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Budgeting & bank accounts

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

Worst Banking App in your opinion?
I have been around the block when it comes to bank accounts, and credit cards. Making sure to get the most out of the Switching Offers, I have found most banks to have a very similar generic banking app experience that has been somewhat fine to use. Chase being one of my favourite, but not having much to complain about..…
NatWest Rewards
Does anyone know how long it takes rewards on Natwest to be payable? They seem to sit for a long time in pending, even the ones for Direct Debits.
Cashback from Barclays blue?
Hi i had an email from Barclays saying as a Barclays blue customer I can now receive Cashback when spending. Quick bat round their website and came across this… please see photo attached. Barclays are really giving me 5% cash back on all UK spending?? This can’t be right? Anyone please help! Thanks
Subject Access Request data format
Wondering if it’s possible, or do I have a right to request the data retrieved from a successful Subject Access Request ( SAR) in .csv or . SQL format? this of course will enable easy porting into a relational database for interrogation SAR could be to any institution
Kids Sports Club Bank Account
Hi everyone, I’m seeking advice,.I coach a children's rugby team, and each year we fundraise for our end-of-season tour. Last year, we managed to raise £10K. Could anyone recommend a bank account suitable for clubs and societies to save our funds? Ideally, we want three people to have access to this account. Any advice or…
nationwide smart switch went wrong
i switched to nationwide from lloyds bank the switch all went through on the 2nd may.i noticed none of my direct debits have been taken out.ive contacted nationwide many times over this as am starting to get letters off companies saying that ive canceled my direct debits .my bills are not getting paid.yesterday i got a…
Help wanted: Couldn't remember one of three memorable questions during phone call
Hi, I had a phone call out of the blue from my bank asking me to confirm my details for security. It will have been in connection with a withdrawal request. The woman was quite brusque and I couldn't remember my third of three security answers (First car etc that sort of thing) but I know I got the first two right. She…
HSBC alternatives.
Hello. Not a regular poster on these boards so please forgive me if I make any mistakes in etiquette. I have been with HSBC and Midland bank for over 40 years. I have stayed for convenience more than any form of loyalty. I currently have an advance account. I use this account for my day to day banking in which my salary…
Cifas data subject access request
Are there any negative implications that could result from making a Cifas data subject access request (DSAR)? I had an account closed by Santander last year for no reason that I could think of and I'm just curious to know if I might be on the Cifas database. I don't want to do this if there could be some downside that…
Bank Rules and Regulations
I am new to the forum and wonder if anyone on here has any idea how to overcome so called Bank Rules. A very close relative recently lost his wife. His wife cared for her mother who lived with them. My relative who is in his 70's now cares for his mother in law but doesn't have power of attorney. He has put her into a…
Is it easy to get statements of closed bank accounts?
Is it as easy as just contacting the bank and requesting statements? Do they charge for this?
Bank customer profiles how long is data held for
Out of curiosity more than anything, does anyone know how long banks hold customer information for? I know that there is a 6 year limit for certain things but say you close an account down and you join after 6 years, will they still have a profile for you on file or does it get deleted?
Switching question
Hi, probably a stupid question but wanted to check: have never switched before but been tempted by the Santander offer, but want to check. I have my individual current account, and two credit cards, and our joint account and our joint savings account at HSBC; can we just swap our joint account to Santander,and keep my…
HSBC 2FA failure
Recently, when using my credit card to do an online transaction, I realised my mobile wasn't handy, so cancelled at point of requesting my OTP during authentication. Unfortunately, HSBC still "cleared" the transaction and a payment to the merchant went thru. Merchant refunded me, but HSBC initially refused to accept that…
Is a cheque always upside down when you deposit it using an Android tablet?
I had great difficulty today in depositing a cheque using the banking apps on the two tablets that myself and partner own, as on both differing makes of android tablet and both differing banking apps it would only show the image upside down, making it very difficult to position the tablet to take a decent image of the…
Receiving overseas funds
In the next few months I am to receive funds from overseas. A while back my brach closed and I never bothered to check for an update until today. My latest online statement provides the new branch information but the bic / swift code is still the old one. I then dealt with a person online and he said thst I could use the…
Deposit Money into my Nationwide Current Account?
Does anyone think it would be worthwhile to deposit £100 into my Nationwide Flexdirect Current Account (currently £0 balance) and open a savings account to maybe get £100 bonus from Nationwide?
HSBC Advance - free £205 offer
So, I set up the advance account last year and was also accepted for a global money account, I carried out all the necessary requirements and received the initial £125 in to my global money account, all good I then spent 5x on my global money card to allow me to qualify for the additional £80 payment due between 1st-8th…
Possible lost account with Halifax....
Hi thereI'm wondering if someone out there can help.A LONG time ago (around 2010), myself and my mum opened a special savings account at the Halifax. We were trustees for the account in my daughters name.They never sent me bank statements but my mum (different address) did manage to find an old statement that had been sent…
Starling Bank... good?
I am in the position of separating from my partner of 30 years, so looking for a new place to live and figuring out how to be financially independent, even though my partner has always "done" the finances! Looking into opening a new bank account, and following some research, Starling Bank is coming up top for my needs -…

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MSE News

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.
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.

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Budgeting & bank accounts

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