Budgeting & bank accounts

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

why is salary calculator giving me a take home calculation much lower than my actual take home?
https://www.thesalarycalculator.co.uk/salary.php Does this website give accurate take home pay calculations? My actual monthly take home pay is £200 higher than what this calculator suggests it should be and I’m worried my employer is calculating it wrong and I would owe a lot of tax at the end of the year. Can starting a…
Santander Edge Account application
I quite like the idea of the Edge Account Savings account with Santander so I thought i'd look in to it a bit more. I then thought i'd consider the application of the Edge Current Account as cannot have the savings account without it. During the application stage it seems to be asking the ins and outs of a ducks behind,…
Free cash for opening account without switching
Hello, I'd like to open a new bank account, so I can keep some of my finances separate from the rest. I currently have a Club Lloyds account which I'm happy with. Are there any banks or banking apps that offer introductory cash just for opening an account, without the need for switching and closing my Lloyds account?…
How long do DDs take to be lodged with your bank?
I set up 2 DDs a week ago with first payment to be taken on 27th but they still haven't appeared in my list of DDs is that normal?
So, who do you bank with?
We keep seeing these switching offers, people making a lot of money, using burner accounts, DD's that don't pay out, etc, etc. But, we all need a bank account so who do you bank with, intend to stay with and why? I'll start. I'm with Santander. I'm staying with them for the 7% and 5.2% savings accounts and the cashback on…
JNBank What ia going on?
JNBank seemed to be offering a good interest rate so I applied for an account. To fund it, to make sure it all worked, I just transferred £1 from my normal bank to my new account. That was over two days ago. It left my bank immediately but apparently has still to arrive at JNBank. I've just tried ringing them but gave up…
Chase bank, universal credit and bank statements
I have to prove my savings amounts from the 7th November for my universal credit application. The job centre will want proper bank statements. I assuming I will have to wait until after the 2nd of December for my statement from chase , there's no other way of getting a statement before that date? Thanks in advance for any…
Barclays app: "Video capture didn't work. Please try again.'
I've tried about a dozen times to submit the video re identity but every time I get that message. is there no way round it? I've restarted phone, reinstalled app etc but it's made no difference. I asked for help on their X page and got nowhere. You' d have thought you'd be given an alternative way to verify identity
Recommended 'burner' bank account for switching bonuses needed
I need a recommendation for a retail bank I can open a current account for online that will never offer switching bonuses, so I can use this as a bank to switch away from to start getting switching bonuses. TIA
Barclays Basic Account
Well I guess it had to happen eventually but Barclays have refused my application for a current account and offered me a Basic Account. Despite having ( or have held ) accounts at almost every bank there is ,and being a veteran of the switching process, I encountered multiple issues with opening the account necessitating a…
Switch Current Accounts
Hi All, I have been with my current Bank Citibank for 24 years and need to find a new current account. To use the Switch Guaranteed service, I have been informed the full name on my previous bank and new bank need to match. When I setup Citibank in 1999, I used my short first name, which isnt my birthname. My new current…
quickest cheap DDs to set up for a switch?
I'm maxed out on my existing DDs to get rewards so need 2 more DDs - preferably £1 ones- for Barclays, which are the quickest to set up?
Next switch?
Hi All New to account switching but just got a Barclays switch underway. Question is, what to switch next, I have a Nationwide A/C for my regular banking and I used an old First Direct account to switch to Barclays so can't go there again. I have x2 DDs on the First Direct ac so once I get the £175 from Barclays I'd like…
Tsb Monthly Saver linked to Account?
Hi, I have had a TSB spend & save account since March 2023, opened the monthly saver at the same time. Paid in the max £250 monthly (except 1 month). Have now opened a second Spend & save account as I was hoping to switch my first spend & save to Barclays for the Switch incentive. (direct debits set up etc) I can't seem to…
HSBC Global Multi Currency Account
OK, so just opened one along with the HSBC Advance account for the £££. I did a test transfer of a few Euros to the Global account and they have changed the euro into sterling. Anyone know how to hold money in euros in the account? Thanks.
sending money to someone abroad
Just back from holiday, and had a tourguide that I was supposed to pay in cash but it was so busy and there were very few working cashpoints so he just casually said "oh yeah no problem just transfer it online, I'll send my details by whatsapp later" and he did, but they are not in the form I recognise, no sort code and…
Barclays live chat!
Anyone having issues with Barclays live chat? It says sorry chat currently available
Burner Current Account Switch - Newbie!
Hi all, Forgive me, I've never done this before and don't want to mess up! I am perfectly happy with my Halifax current account; I want to keep this main account running as it is. I am looking to open the Nationwide Flex account as a 'burner' account (hang head in shame - purely for the cashback as I live on my state…
Honorifics/Titles
Hoiya all I'm new on here so please be gentle. So, I'm having trouble with financial establishments with their persistent use of honorifics. My personal preference is to use Esquire which is placed after my name and not to use any prefixed honorifics. Financial establishments insist that a prefixed title is used and…
Chaps payment from Nationwide
We have a Nationwide FlexAccount and want to use the money in this account to pay off our NatWest mortgage when our fixed rate comes to an end. We went into Nationwide to check what we would need to make the payment and they said you can’t make a chaps payment from a building society to pay off a mortgage. This sounds like…

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