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Budgeting & bank accounts

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

Chase app on multiple devices
I been wanting to use Chase as my primary current account, but the only thing stopping me was the info from Chase saying the app only works on one device. "While you can install the app on another device, it's currently not possible to have more than one device registered to use Chase." Then it goes on to say "you need to…
A Smartphone and online banking
I have always used a public PC with inPrivate browsing to check my bank balance and transactions . Now i use my own Android 12 Smartphone to do it My question is how safe is it to use my smartphone to do it ? is it 100% safe to do it ?
Cheque advice
Hello all I was wanting to know if someone can help me so I got into a car accident and I got a cheque for the damages I've took it to my local bank just waiting for it to clear I looked on my online bank and I've all ready received it via bank transfer what should I do
HSBC blocked account after mortgage deposit
I just wanted to share a bad experience I have been having with HSBC over the last couple of weeks with regards to my account being frozen over two transactions. Currently, my wife and I are in the process of purchasing the flat we currently rent from our landlord. My mum has very kindly gifted us the deposit to get us…
Making an international payment
Hello, please can anyone help? I want to make an international payment from either Santander or First Direct (approx £180) to a bank in Vietnam, for a hotel deposit. When logging into our accounts the country is showing as Vietnam but Vietnamese Dong is not an option to select under the currency. We appreciate there will…
Transferring money from my Spanish account to my UK account
My daughter who lived in Spain until April 2023 is being marred with endless documentation, both from Spain and from the UK- in order to have her money transferred into her UK account. Help please
Help with Chaps
Hi. Not sure if this is in the right place but here goes. I'm in the process of selling my late mother's house. Sale agreed and due to exchange & complete on the 29th April. His solicitor made CHAPS payment from Lloyds Bank to AIB. As of now 10th May the money hasn't arrived. His solicitor has received notification that…
Should we contact ActionFraud ?
Elderly parent has had a formal letter containing personal information go missing. Post is delivered to an box at the end of a long drive. Is this something worthy of registering with AF over would you think?
Receiving USD into UK Bank Account
I'm about to receive a USD dollar payment of over £100 into a UK bank account and I checked all available current accounts I have to see the cheapest fees. Both Santander and Nationwide have zero fees to receive USD payments over £100. Does anybody know which one will have better exchange rate from experience? All other…
Regular Payments Without CPA?
I have had to cancel some recurring payments to debt management companies and most were on my bank app's list. One wasn't though so I contacted the bank and they said there isn't a continuous payment authority in place, the company is manually taking a payment each month. Is that legit? I had assumed that if a company was…
Cynergy Bank
Opened an online easy access savings account with this bank yesterday. Received the user ID but then got locked out of my account as the 2 step authenticator did not work. So I called today and failed the security questions?! How is this even possible? I was asked several questions I was not asked in the application and…
Barclays pin blocked
I have unblocked my pin online at Barclays. I have now heard my pin on the phone from their system. When I look online, it says To unlock your PIN, visit a UK Barclays cash machine and enter your PIN correctly. As Barclays is a long car journey for me, anyone know if it is possible to do this at any old ATM machine??
Power of Attorney access to Nationwide accounts being limited
I've finally got Power of Attorney for an elderly relative who does all her banking with Nationwide and has a lot of money there. I'm in the process of contacting Nationwide with the POA document, but I've discovered that as I don't personally bank with them, they will allow neither Phone banking (beyond enquiries only)…
Raisin as a feed account?
I want to manage a pension drip feed into my current account. I thought I’d open a raisin instant access and put personal savings into it and drop 20% income tax limit into raisin and then extract the desired amount monthly help with budgeting and optimising 5% interest but I’ve read that Raisin are not great at automation…
Santander cashback
Hi Guys and Gals, i have just asked for a refund from my energy supplier as in credit and have recently joined Santander, for the cash back on utilities and the savings account. Just realised that if i get a refund will i lose cashback as will counter act what ive paid? altho not through santander?
payments from german bank to Lloyds bank
I am expecting money into my Sterling Lloyds account from a German bank. I gave the company i did the work for an invoice in Euros so they have paid Euros. They made the payment on 30th April and we are now at 8th May and I am still waiting for the money to come into my account. Is this normal ? Lloyds say that the German…
Bank of England holds base rate at 5.25% for the sixth time in a row
The Bank of England has held the base rate at 5.25% for the sixth time in a row. This rate is used by the central bank to charge other banks and lenders when they borrow money – and so it influences what borrowers pay and what savers earn. Read the full story: Bank of England holds base rate at 5.25% for the sixth time in…
Transfer to closed account
Good morning, I'm looking for advice as my mother who is in her very senior years transferred me money earlier this week into my bank account using telephone banking, this was from a BOS account to my Santander account. Unfortunately I had very recently closed this Santander account. I had messaged her trying to warn her…
Money to unknown account
Some time ago I transferred money to an account which apparently is not that of the intended recipient. What obligations do the banks involved have in regard to discovering where the money has gone ?
MSE News: TSB to close 36 branches in 2024/25 – here's the full list, plus alternatives
TSB will shut at least 36 of its branches in 2024 and 2025, the bank has announced. In the article linked below we list the branches disappearing and what the alternatives are if you still want face-to-face banking. Read the full story: 'TSB to close 36 branches in 2024/25 – here's the full list, plus alternatives' If you…

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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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