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Budgeting & bank accounts

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

Santander free 16-25 railcard offer April 2024
Good evening, I appreciate this won't be of use to most but Santander are currently offering a free 16-25 railcard to those who have no Santander current account as of 9/4/24, will be aged 20-24 on 30/6/24, open an Everyday, Edge or Edge up account and deposit £500. Full terms can be found below:…
Will a transfer to my pre-switch account be instantaneous?
I forgot that I have a few payments inbound to my old bank account before I switched. So my question is, will those payments be instantaneous or will they bounce back and the payer then have to do something i.e. chase up or call the bank etc? Thanks.
Contacting First Direct (phone and web); button in the bottom right of this screen (AWOL)
Trying to contact FD over the phone has become very, very hard (look at their trustpilot profile and you will get an idea), at least when calling at "normal" times. So whenever I can I have contacted them via their website contact form which was a bit basic BUT DID THE JOB. Nowadays that form is gone (there's just a…
Best UK Euro Account
Hi, I'd like some advice on holding euros in a UK bank account. I'd like to open a UK (I live in the UK) account where I can hold euros. I'd like to have an account where I can get euros paid in and not get big fees to transfer out. For example if I want to wait the convert to GBP when a better rate is available. I'm with…
switching a halifax current account to tsb current account
So, I access this link: https://www.tsb.co.uk/current-accounts/switching-bank-account.html and there is a form. On the form it asks First name, Surname. There is information on the form saying 'Please enter your personal details below. If these are details are different to those on your old account, this could delay your…
First Direct regular saver
My 12th payment comes out today. When can I transfer the money out to another account without losing the 7%interest? Does it need to stay there until the complete 12 months has elapsed ? The first payment was made 7 May 2022.
Anyone else having a problem with the Halifax app saying their phones rooted/Jailbroken
I had this error pop up after the app updated back in Nov.The phone's an Android, never been rooted and has been running the app for over two years without a problem. I was told that the next update would fix it. The update rolled out last Friday and nothing's changed!Called the helpline a number of times, and they have no…
Anyone switching banks not had their salary switched?
My son got his salary for Feb paid into his new account (around 2 weeks after his switch completed) but not his march salary. He's been told today it's because he didn't tell his employer he switched banks and his march salary would have bounced back. I thought payments were automatically redirected anyway? I told him the…
Nationwide new app standing order issues
Anyone having issues with Regular Standing Orders showing incorrect details when you click on them on your recent transactions? E.g. I click on one 'Metro' and it gives details of a different standing order (to a different bank) for the same amount. It does this consistently across standing orders of the same value. I e.…
Safe way to accept payment for a car
Because a bank transfer can be recalled for up to 121 days what other options are there to accept £20,000 for a car sale? Thanks in advance for your thoughts on this matter
1500 pay in Santander switch — how long?
Hi all, I initiated a switch to a Santander current account to get the 185 quid bonus (pre-4th April, so should be okay). I was wondering if anyone knew how long I need to keep £1500 in there to qualify for the bonus. Also, when do you know if you’ve qualified?? Thanks
Bank draft in Euro
Hi Can you help me please I am still looking for a bank that allows me to open a bank account in euros and then accept bank drafts in euros? No luck so far. Any ideas? Thank you
TSB Bank App chat with support times out and logs us out while typing
While using the TSB Banking App chat feature if we type a longer than usual message, the App times out and logs me out. I've complained to TSB Bank. They've said only sending and receiving messages count as 'actions' and typing does not count as an 'action'. They've said it's a security feature, but they've also said…
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…
Taxable income
Apologies if this was already asked and answered. Are switch bonuses, small rewards (e.g. Blue from Barclays, £5p/m from Natwest/RBS/Halifax), cash back on debit card purchases and small compensations from banks/BS for inconveniences counted as taxable income?
Business Bank Account that allows Bulk Payments via a file upload.
Currently running payroll manually. With HSBC and despite ringing them multiple times they don't seem to be able to set up a facility for me to upload a file and pay people in bulk. They keep asking me to visit a branch to discuss with my business manager despite most of the branches close to me shutting and when ringing…
KYC Santander
Good morning Over the past couple of weeks both myself and my wife have received telephone calls and emails from Santander requesting information with regards to KYC We are a retired couple who receive private pension and house rental income Been with the bank over 40 years They have asked for proof of income, house…
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.
TSB cashback
When I can see the cashback of £5 where I made 20 transactions using TSB debit card?
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

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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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