Budgeting & bank accounts

I've just got the 212 card added to my app/Google pay. I went for the virtual version as you have to pay for a real card. Anyone else using this? Are there any downsides/difficulties/limitations or is it just a case of add money to the card and use it for everyday spening?

Hi. I have always been terrible with money, and despite trying to save, usually end up each month overdrawn, and not knowing where all my money has gone! I know there are a lot of apps and software available that claim to help with this, and also to help with how one thinks about money. YNAB is one, though I gather it is…

Can’t see if this has been posted previously so apologies if it has but I’m curious on what each banks offer with their apps? for example I like my chase app as it notifies me of any transactions, something I never thought I needed until I got it. Now chase are no longer doing their Cashback the way they were my day to day…

Hi We have a Santander 123 Lite account that we use to pay our bills from. It's a joint account. Moved from Lloyd's as they were a pain when we wanted to open multiple accounts - we both had to attend an appointment in the bank and watch a video about coercive behaviour. I understand why but we've been married for nearly…

I see there are still a few inducements to switch banks (up to £175, with a few other perks). Could you sign up for it, jump through the hoops for however long (a month or two?) then move onto the next one. Then go back to your original bank when you've used up all the offers, if you wanted to. I wonder what the 'hourly…

I've never had a switch bonus from Barclays but currently have an active premier account. I'm wondering if i were to close the account would I become eligible for the 25k avios sign-up offer again? Has anyone gone down this route? The terms all seem to refer to "opening your first Barclays current account" but don't know…

The Background - I have accounts with 2 banks, 2 building societies. I changed my name to my maiden name and did this by Deed Poll to make the paper trail easier and smoother. Two building societies and one bank had no issue with this. One bank has refused to change my name unless I pay for certified verification in…

Hello All I hope everyone is well. Me and my wife have had a joint current account with Halifax since 2016. I opened an Everyday Saver account last week and rang Halifax to add my wife onto the account. The lady I spoke to said their is no need for us to go to branch and all we have to do is sign the forms she is sending…

Ive got nfc working with my virgin card but it wont allow me to get cash out. Do some banks allow it?

Asking on behalf of a friend... My friend is a trustee of a small charity - there were just 3 trustees now down to 2 because one sadly passed away recently. Someone else has agreed to become the third trustee. The problem is that the first trustee on the bank account is now elderly and has some memory loss, my friend is…

This is peculiar - NatWest SMS received when I made a purchase from Amazon who sent a confirmation code (as they do from time to time) but phrased very differently: WARNING if somebody has asked for this code they are a criminal. Code: xxxxx confirms a purchase on your card of x.xx GBP to Amazon The code worked just fine…

I don't know how I achieved this but since May 2020, I have been basking in the warm glow of an MBAM Premium Licence; courtesy of those nice people at NatWest! Thing is, I'm not a customer of theirs, I'm with Halifax - who are also part of Lloyds Banking Group, non the less, I feel a bit of an interloper. Just checking my…

Can I do a straw poll please? How many people think that an OTP ie One Time Passcode for an Applecard purchase on line is a “One Transaction Passcode” ie to make that particular purchase only? I’m asking because it apparently isn’t! It apparently gives the vendor permission to use your Applepay whenever they want! Did you…

I’m running the latest Apple iOS and used the Santander app for years with few problems. Tonight I tried to log in and it has lots of proud boasts about its new app and then asked me to Accept or Decline its conditions dated 2018?! I did this and had to enter my ID, five digit pin and receive a text and enter the number…

Hi,Only just noticed that Nationwide have a 'round-ups' function (Impulse Saver) and wondered if this works on their Regular Saver too, to increase the maximum £200 mth allowed? I know I am able to do it with Nat West Regular Saver account but not seen anything on here to suggest that it can also be done with Nationwide.…

Hi all, I am looking at opening a new bank account to use for spending on holiday as my current bank charges, I’ve seen revolut and chase advertised, however chase doesn’t allow joint accounts which is what I would prefer but I have seen some negatives about revolut can someone suggest which one is best or a different one?…

We have the Virgin packaged bank account that covers children under 18 on the travel insurance. We are going on holiday later in the year and our oldest turns 18 during the holiday. Do we need to get separate travel insurance to cover him for the last few days?

My daughter (age 10, just about to turn 11) has received a cheque. Only problem is I cannot pay it in! At the moment she has a junior Monzo space under my Monzo account but having asked them, it does not allow cheques to be paid in…. Does anyone have any helpful advice or info? I just want to pay the blooming thing in so…

I recently received an advert for zopa's current account on instagram and on closer inspection of the url found out that they were offering me a better deal than usual. I tried multiple endings of the url and found the following 3 offers. I thought this might be useful for anyone wanting to open a zopa current account,…

So six months ago my Apple Pay stopped working. I set up a chase and TSB to use google pay for my work phone and Apple Pay. Apple Pay now works fine. Anyway I bought my wife a new engagement ring it was around £800 and the jewellers sent me a payment link and it kept declining maybe 2-3 times fraud as it was high amount.…