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Budgeting & bank accounts

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

Please rate my budget - is this workable?
Hello! We have just bought a house and I want to see if my budget is workable and if there's anything we can do to improve our finances. We are DINKS. Total income per month (take home): £4336 (roughly, tax changes due to BIK) Bills: Mortgage: £1220 Insurance (life): £23.88 Income protection x2: £70.63 Home insurance:…
Best bank in Jeddah for transfers back to UK
I am shortly moving to Jeddah for work & was wondering what would be the best bank/way to send money back to my wife in the UK with minimal cost. TIA, LA
Co-Op withdrawing Everyday Rewards
Should save me some time each month
CIFAS report
Hi i requested a CIfAs Sdar and it said Santander undertook a search on 03 April 2024 using your details - please contact Santander for further information Can anyone explain what this means and would it stop me getting a new rental property? Thanks
Nationwide incoming payments delayed again
Just 2 weeks after the last payment issues, once again payments to Nationwide accounts are not being received. Still no sign of a Faster Payment sent more than 5 hours ago.
What time of day do Marcus calculate daily interest?
Curious about this, it helps with getting the timing of moving money out to be as accurate as possible with regards to maximising interest. I tried searching first and found this old post on a now closed discussion https://forums.moneysavingexpert.com/discussion/comment/65197815/#Comment_65197815 It appears to details how…
Calling Barclay’s
I had an offset current account attached to my Barclay’s mortgage years ago, despite never using Barclay’s as my main current account and only ever using it to pay my mortgage. The mortgage was paid off around 5 years ago, and thus I assumed that the current account would be closed at the same time as the mortgage.…
Is payment from joint account (my login) to wife's ISA taxed? Maybe income or gift?
Hi. My wife and I have a joint bank account and manage under my login. We've set up new ISAs with a different bank. If I make a payment from the joint account to my wife's ISA, will it be treated as income to her or a gift in some way, and taxed? I read there is a limit to gifts you can give before getting taxed, or…
Santander - pending payments
I just setup anew payee from Santander current account. I set a payment of £100 to go to this new payee on 9 April. I wanted to check that it was set right, but I couldn't find details of this future payment. I messaged Santander, and apparently it is the case that you cannot see future payments set in this way. Though I…
Direct debits have not transferred with CASS
Hello, we have just switched our longstanding joint current account from Triodos to Starling using the CASS (of which they are both members). None of our direct debits have moved across. There are no direct debits active on the new account. This is our main joint account from which all of our bills including mortgage,…
First Direct closed my account without warning during a switch? What will happen
So I came across the cashback offer on Monday and decided to give them a go. Account and credit card opened instantly, I had a couple of bank accounts that I didn’t use and decided to switch them over to FD. And in order to get the cash back I switched my current account with chase over. All good. I went into the app…
Overdraft, when not really needed
Hi, I’m eligible to get an interest free overdraft on my TSB Student Account. I don’t anticipate I’ll need it, and if I did it’d only ever be for a couple of days while waiting for money from Coventry BS to come across. Presumably it’s a good idea to go for it even if I won’t really use it? On one hand, I’m thinking other…
Does Lloyds Bank Computer Take The Weekend Off?
I've just gone into Lloyds Online banking to make a 20k deposit into an ISA in a building society for tomorrow (6 Apr) by Faster Payment. I noticed that having completed the procedure the on screen message said if the payment date falls on a weekend payment will be made on the next working day! Does the last man at work in…
Santander Edge Question
Applied for a Santander Edge account early this morning, it seems they've done both soft and hard searches (soft affordability & hard credit) on me, is that normal for them & specifically for that account?.
Monzo pay at Post Office
Just had an email to say you can now pay into your account at the Post Office. You can still do it at Paypoints but I know people have had issues doing that.
NatWest Branch Closures - Misleading Info on Customer Use?
So Natwest have announced another round of branch closures. I completely understand the reasons for this but the information they're giving to support the decisions seems completely fabricated. Our local branch has queues every time I go past yet according to Natwest only 2 customers used it per week so for 3 days out of 5…
Santander Switch offer ended 4th April 2024?
Santander Switch offer ended 4th April 2024?
Bank Statements/Bank Mail/Royal Mail
Royal Mail are looking to cut down 2nd class letters to 3 days a week if that maybe scrap it! So will banks still send letters/statements 2nd class or will they change it to 1st class and charge us for Bank statements E.G £0.50 or £1 per page up to £10 max or set price per month e.g £5-£10 like package bank accounts then…
Standing order issues - advice please
Cancelled a standing order as I was told the entire fees were paid and no further payments were due. However, the standing order still went out. I reached out to the company concerned but they are saying they do not do refunds bizzarely. When I spoke to the bank, they are saying I cancelled the standing order on a bank…
Virgin Money Customer Survey
I have just received a customer survey from Virgin Money, Brighter Money Matters. I had signed up for their Brighter Money Matters a few weeks back so was happy it was not an unsolicited email. The survey was about a specimen letter asking for KYC information and VM wanting to know what I felt about it. It included the…

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MSE News

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.
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 Payments 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.
Which NatWest and RBS branches are closing from 2025? Here's the full list – and banking alternatives
NatWest and Royal Bank of Scotland (RBS), which are both part of the NatWest Group, will shut at least 108 of their bank branches in 2025 and beyond, after the Group announced a further 52 NatWest closures.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
Winter Fuel Payments will be reinstated to all pensioners in England and Wales this winter – but will be clawed back automatically from those earning over £35,000 a year, the Government has confirmed. It means nine million pensioners will get the £200 or £300 top-up. MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis.
Car finance mis-selling update: regulator prepares for compensation scheme – and warns against using claims firms
Payouts for mis-sold car finance could be another step closer as the financial regulator has set out the factors it will consider if it were to introduce an industry-wide redress scheme – though we won't know more about how this will work until after a key Supreme Court decision expected in July. In the meantime, the regulator has warned that you DON'T need to sign up with a claims firm to be included.
Winter Fuel Payments to be extended to pensioners earning £35,000 or less – here's what we know so far
Winter Fuel Payments will be extended to all pensioners with incomes of £35,000 or less this winter, the Government has confirmed. It means nine million pensioners will get the £200 or £300 top-up.
Winter Fuel Payments extension confirmed for this winter – watch Martin Lewis' instant response and his message to the Chancellor
Winter Fuel Payments will be extended to more pensioners this winter – though not to everyone – the Chancellor has today confirmed. However, exact details of who will now qualify still remain scant. Watch MoneySavingExpert.com founder Martin Lewis give his instant response, as well as his key message for Rachel Reeves.
Nationwide Fairer Share: Free £100 bonus confirmed for 2025 – here's who will get it
If you bank with Nationwide, you could get a free £100 paid into your account in June or July as part of the building society's 'Fairer Share' scheme. The bonus will be paid to millions of its current account customers who also have savings or a mortgage with it.
Forced onto a prepay energy meter? You may be due money back as 10,000s to be compensated
If you had an energy prepayment meter forcibly installed or your smart meter was remotely switched to prepay mode without your permission, you could be entitled to compensation of up to £1,000 and may even be eligible to have your energy debts written off.

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Budgeting & bank accounts

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