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Budgeting & bank accounts

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

Chase app on multiple devices
I been wanting to use Chase as my primary current account, but the only thing stopping me was the info from Chase saying the app only works on one device. "While you can install the app on another device, it's currently not possible to have more than one device registered to use Chase." Then it goes on to say "you need to…
MS Money adding funds from a 3rd party
I am still using MS MOney (why did microsoft ever let that die?) anyway I have an account set up in it that received money from one of my accounts in money, but also from my missus whose account I do not have in MS Money. How should I enter that money into that account, I assume just as a "deposit from"
Bank or Building Society?
Hi everyone, I'm new here so please excuse my question if it has already been answered. Basically, I suffer with severe anxiety and my bank point blank refuses to allow me to pay any money in via a real-life cashier and tells me that I have to use their deposit machine. I have tried on a couple of occasions and to be…
Santander cashback
Hi Guys and Gals, i have just asked for a refund from my energy supplier as in credit and have recently joined Santander, for the cash back on utilities and the savings account. Just realised that if i get a refund will i lose cashback as will counter act what ive paid? altho not through santander?
Bank of England holds base rate at 5.25% for the sixth time in a row
The Bank of England has held the base rate at 5.25% for the sixth time in a row. This rate is used by the central bank to charge other banks and lenders when they borrow money – and so it influences what borrowers pay and what savers earn. Read the full story: Bank of England holds base rate at 5.25% for the sixth time in…
Cynergy Bank
Opened an online easy access savings account with this bank yesterday. Received the user ID but then got locked out of my account as the 2 step authenticator did not work. So I called today and failed the security questions?! How is this even possible? I was asked several questions I was not asked in the application and…
Anyone else been caught out by HSBC overdraft support?
Just wondering if anyone else has been caught out by this/managed to resolve it. I got the temporary overdraft support for 12 months which was 0% interest on overdrafts up to £500. I am currently at this level on both accounts. On 19th Feb and again on 25th March I was notified that this support would come to an end on 8th…
Raisin as a feed account?
I want to manage a pension drip feed into my current account. I thought I’d open a raisin instant access and put personal savings into it and drop 20% income tax limit into raisin and then extract the desired amount monthly help with budgeting and optimising 5% interest but I’ve read that Raisin are not great at automation…
Transfer to closed account
Good morning, I'm looking for advice as my mother who is in her very senior years transferred me money earlier this week into my bank account using telephone banking, this was from a BOS account to my Santander account. Unfortunately I had very recently closed this Santander account. I had messaged her trying to warn her…
MSE News: TSB to close 36 branches in 2024/25 – here's the full list, plus alternatives
TSB will shut at least 36 of its branches in 2024 and 2025, the bank has announced. In the article linked below we list the branches disappearing and what the alternatives are if you still want face-to-face banking. Read the full story: 'TSB to close 36 branches in 2024/25 – here's the full list, plus alternatives' If you…
payments from german bank to Lloyds bank
I am expecting money into my Sterling Lloyds account from a German bank. I gave the company i did the work for an invoice in Euros so they have paid Euros. They made the payment on 30th April and we are now at 8th May and I am still waiting for the money to come into my account. Is this normal ? Lloyds say that the German…
Advice on changing bank accounts please..
Hi there, My parents in law have several accounts including ISAs with NatWest. Both of them are now housebound and frankly NatWest have been very unhelpful and a bit of a nightmare to deal with. They have decided they would like to change to a different bank and my questions are 1. Can they do it all online? 2. Can you…
Caught my bank lying. How can I negotiate a higher compensation?
I raised a complaint with a bank after noticing something in their system not working correctly. I did not suffer direct financial loss but the situation did cost me £100 indirectly and 2 months of correspondence and waiting during the complaint. The issue has likely caused problems for other customers without them…
Nationwide OFX file
I'm attempting to import OFX file generated by Nationwide into MSMoney Sunrise My “flex account” export to OFX appears fine as on import all transactions appear without error . My “credit card” export on the other hand appears to create a fully populated OFX file but only 4 of the 20 transactions are transferred during the…
HSBC blocked account after mortgage deposit
I just wanted to share a bad experience I have been having with HSBC over the last couple of weeks with regards to my account being frozen over two transactions. Currently, my wife and I are in the process of purchasing the flat we currently rent from our landlord. My mum has very kindly gifted us the deposit to get us…
Halifax faster payment limits
Can anyone confirm if the Halifax online FP daily limit of 25k is per current account or per customer?
First Direct switching offer from 7 May 2024
The First Direct switching offer is back: Current Account | Open Online Current Account - first direct Terms and conditions: first direct CASS switcher offer Terms and Conditions Effective from 7 May until the Offer is withdrawn. Who’s running the offer? first direct a division of HSBC UK plc (‘we, us’) is the promoter of…
Transferred money to closed credit card by accident
Hi, I transferred money from my Halifax Current Account to my old Halifax MasterCard account by accident. The MasterCard account was closed 5 years ago. Both accounts are with Halifax and in my name. This happened on Wednesday last week. I have contacted Halifax and I am getting conflicting answers as what to to do. Any…
Joint bank account for UK resident and non resident
I've been searching and am struggling to find an account I could open as a joint account for myself and my dad, who is non resident in the UK. Does anyone know of a bank account that can be held jointly by a resident and non resident? Thank you
Does faster payments work instantly on bank holidays?
They are usually instant or withing 2 hours on a normal working day. Is that the same for bank holidays? Thanks (Sending from Lloyds bank)

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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.

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Budgeting & bank accounts

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