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Budgeting & bank accounts

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

Lloyds Bank online does not show pending credits or debits.
We recently switched from HSBC to Lloyds, opening a Club Lloyds Account for a nice £200 bonus plus free Disney+. With HSBC we could see upcoming credits and debits a day or two before they were posted. This gave us time to ensure that they were valid and that there was enough money in the account to cover debits. On a…
NatWest Rooster & Google Pay
I was wondering whether anybody is having the same issues I'm currently having with my teenagers (13 year old) NatWest Rooster account. The account is advertised as being compatible with Google Pay, allowing teenagers to use their mobile phones to make contactless payments. I have followed all of the instructions on the…
HMRC cheque cashing recommendation please
Hello, Today I received a £670 cheque from HMRC, for overpayment on a private pension lump sum, £500 is the most I can pay into Monzo via the app. I can post it in, but normal wait times for it to clear are up to 4 weeks, and we all know Royal Mail Tracked means absolutely nothing apart from proof you sent it at this time…
Cryptocurrencies inc. Bitcoin
Dear Forumites, I'm already invested in various things which I largely understand e.g. Innovative Finance (Peer-to-Peer lending) and Stocks and Shares by way of a global index tracker, and have been keen to diversify into other things for many years. Currently, I wish to educate myself regarding Bitcoin and other…
Santander current account switch offer - DD question
Hi, I'm thinking of switching (my secondary) current account to Santander to get the £150 switch bonus. It needs to have 2 DDs set up to qualify. Do they have to have payments happening every month or do less frequent payments count too? I don't want to be caught out by a technicality... My council tax is paid by DD but…
Banking for Teenagers
My daughter would like a bank account with a mobile app which also allows her to have a savings account (easy access) so she can move check then and move between them easily. Does anyones children have this? , looking for recommendations. I have a Ch@se account but in the UK it didn't seem to have accounts for. Children,…
Trading212 1.5% cashback on spending
Hi, Just seen that trading offers 1.5% cashback on debit card spending up to a max of £20. Has anyone tried if this works with the usual suspects e.g. buying premium bonds with NS&I or even to use the virtual debit card to pay in some cash to a building society e.g. Skipton? Could be an easy £20 if that works so wondering…
Advice Needed: Considering Moving Banks Again
Hi everyone, Here’s my thread for context: Rejected Twice for Starling Easy Saver and New Line with O2. I left NatWest earlier this year to save money on my business banking, and after doing my research, I decided to switch to Starling for business and personal. Unfortunately, based on my experiences over the past few…
Change Direct Debits To A Different Santander Current Account
I have two Santander current accounts, so can I change my direct debits from one account to the other online?
Nationwide "Fairer share payment" announced?.
This was published yesterday. https://www.edinburghlive.co.uk/news/uk-world-news/nationwide-confirms-accounts-eligible-100-30542150
Monument easy access savings account
I am hoping someone can give me a little reassurance. I am looking to open the above account and am hoping I can just draw the interest out each month but still have access to the funds at short notice as and when as we are looking to buy a house and just want to get our money to work for us. Have read through most of the…
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Packaged Current Account
With Nationwide hiking flexplus from £13 a month to £18, are there better value packaged accounts around?
Nationwide Online Current Account Statements missing
We used to get our FlexAccount statements as pdf from online banking. Nationwide have changed their website so that you now have to select the account for which you want a statement from a drop-down list. The drop-down list shows all my savings accounts but does not show my FlexDirect account, so I am unable to get the…
Barclays app asking to register every time
I’ve got the Barclays banking app on my iPad (only for the mortgages, I don’t bank with Bar lays but do have a current account with them) I’ve used the app previously many times but recently when I go to it it only lets me ‘Register for the app’ or ‘I’m new to Barclays’, not log back on etc. any ideas please? The…
Monzo - can you ….
In Monzo, can you have 2 current accounts in the app ?
Switching current account
Just watched Martins programme about switching current account to get cashback (up to £180). My wife and I have been with Santander for over 30 years and feel a bit stupid for not having switched sooner but thinking about it now. Currently we have a Santander 123 joint account that our salaries get paid into and direct…
Revolut - International Fees for Transferring GBP from UK Revolut Account to UK Bank
Hi, I thought I should warn other users of Revolut charging international fees, despite money not leaving the UK or being transferred into another currency. It seems it all depends on where you set up your initial Revolut account. The full circumstances are: I initially opened a Revolut French euro account, as navigating…
Lloyds switching offer ending soon.
Hi, it's reasonably clear that the offer says one must have 3+ active DD's at the time of the switch. I have 3 but one has yet to have made a payment due to the comms company concerned basically messing up last month. Does 'active' mean some payment has had to have been made or if it's showing on there as listed will that…
Budgeting in 2025
I do love a new year! Anyone planning to do anything different with their budget next year? I bought a house this year, due to expenses and up front costs, and refunds and reimbursements I 'broke' my pots and put it all in one place. I've very much felt like I've been winging it by not having, for example my Christmas pot.…

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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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