We'd like to remind Forumites to please avoid political debate on the Forum... Read More » This is to keep it a safe and useful space for MoneySaving discussions. Threads that are - or become - political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Budgeting & bank accounts

Discuss bank accounts, banking apps, budgeting hacks and how to organise your money.

Visa payment error
Advice appreciated for an error i made while trying to pay for a product via VISA. The product was on a website that corresponding to a business in Belfast and i received a mobile text confirmation code but didn't check the details of the payment properly as code arrived just as was waiting for it. In hindsight the details…
First Direct £175 switch offer. 26/03/24
First Direct are offering £175 on switches to new accounts opened between 26 March and before the offer closes on April 22 or is withdrawn. Criteria: Go through a full CASS switch process to transfer their everyday banking, including switching at least two direct debit or standing orders within 30 days of opening the…
Cheap direct debits for Barclays Blue Rewards
Hello. I am considering getting Barclays Blue Rewards to allow me access to the linked 5.1% savings account, which is only available to customers who are members of Blue Rewards. I understand that you need to have 2 direct debits paying out per month to meet the eligibility criteria for Blue Rewards (and consequently, the…
Simplest way to move Direct Debits?
I have two bank accounts, both have money paid in monthly, one has all my DD and SO. I'd like to change the DD to go from the other account - is there a simple way to do this, or do I have to cancel them all and set them up again? Although I've just realised why I left them there in the first place; they all go out monthly…
2+ standing orders to myself for switch bonus?
First Direct offer £175 switch bonus. T&C's say: "at least two Direct Debits or Standing Orders".I have an account with Chase and HSBC and plan to switch HSBC to First Direct (same parent company).Would two standing orders both going from HSBC to chase (each with a reference saying: "to myself") be a good idea?Thanks.
Kroo Bank - standing orders regularly collected early (excluding weekends and bank holidays)
I am in a dispute with Kroo. I have standing orders that are regularly being collected earlier than the date I have specified, excluding any justifiable consideration for weekends and bank holidays. For example, a standing order due to be paid on the Friday of a normal working week is being collected on a Wednesday. Kroo…
Revolut hacked and no refund
Hi all,I was on holiday in Portugal and received an authorisation prompt around 5.30am for payment to Metapay. I quickly went on to the app and declined the payments, blocked and future payments to metapay and froze the card in question. I tried to use my Google pay to buy dinner that evening and it wouldn't work so the…
Nationwide fairer share £100 payout
Hit my account today. You may want to check
Cash machine didn't dispense cash but money taken from bank
I hope I've chosen the correct forum to post this in, if not let me know which would be more appropriate. What happens when a cash machine crashes before dispensing money, but the transaction completes anyway? I was recently asked to help my parents withdraw £250 from a Sainsburys cashpoint. Everything progressed normally…
Two current accounts two saving accounts??
Hello. So was wondering if you have 2 current account with same bank/BS would you be able to have 2 saving accounts as well?
Chase 2nd account to switch
What's the most "second" account has anyone opened with Chase just for switching? Anyone had a warning?
Hyperjar instant cashback vouchers
Can anyone confirm exactly how instant cashback vouchers work in Hyperjar - for example, if I buy a £100 5% Argos instant cashback voucher, then use it buy a £100 item at Argos, is my Hyperjar credited with £5 as soon as I spend the voucher?
Advantages and disadvantages of having more than one bank account?
As the title says; I have two bank accounts as I have two income streams but I do wonder if this is unnecessary. Once of my banks is Monzo, so I have different 'pots' within that account anyway to put away money for various things. My other account is Nationwide and I pay all my DD out of this account
Which account to switch?
I've recently successfully completed switches to Halifax rewards and Santander edge and I'm now thinking of going for a first direct switch. I'm keeping the Santander as my main bank which leaves the Halifax rewards or chase. Can't make my mind up which to leave as I like the travel and mobile ins plus the breakdown cover…
Which Bank
I am currently with Lloyds and have just opened an account with Barclays, i have monzo , revolut and Chase, I always use Lloyds but bored, money i have savings in there and Barclays has only been open for a week or so. I don't use revolut and chase although i am interested in their 5.1% savings. Do i switch to Lloyds to…
Management of finances
Is there such a thing as Appointee for folks who are not on benefits, would this be POA? There used to be a service that managed payment of bills when you sent the required amount. I'm guessing it would be a family member otherwise.
Should I switch Current Account?
Hello, I have had a BOS Current Account for many years. I recently received an invite from Nationwide to transfer to switch to one of their CAs for £200. I'm aware that switching has a relatively minimal impact on credit score, and that it is usually advisable not to do this when planning on getting a mortgage in the next…
Can a Bank close your account without notice?
Hi everyone. I just switched to Santander without ever having an account with them. Everything looked good, they sent log on details and even notified me that my card should on its way. However when I tried to log on online banking it didn't worked and I found out that my account had been closed during a phone call to…
Santander Switch Nightmare
On 30th May I applied for the current acc switch to take advantage of the £175 switch bonus offer. I am moving from halifax ultimate reward to santander edge up. The whole process has been a nightmare from the start and not yet finished. After i received my new debit card I went online to register for online banking only…
Insurance company forgot to take my direct debit over a year ago
My insurer forgot to take a direct debit for insurance that is now cancelled. They thought a credit company was taking it but their financial audit has found that many payments were not taken (including mine). The insurance was not renewed and six months later they are asking me for the money ? Is that my fault ? Do I need…

★ ★ ★ Meet your Ambassadors

Confirm your email address to Create Threads and Reply

MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

View All

Budgeting & bank accounts

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Categories

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free

Budgeting & bank accounts

Discussion List

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Categories

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free