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Budgeting & bank accounts

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

Anyone Used the Revolut app/bank for holidays
Just signed up with revolut and wonder if anyone has any advise on how to get the best out of it on holiday. Going away for just over a month and signed up for the standard account with no fee. I see you can have different currency accounts, does this mean buy the currency now at a good rate and when I use the card on…
Santander Switch offer ended 4th April 2024?
Santander Switch offer ended 4th April 2024?
Virgin Money Customer Survey
I have just received a customer survey from Virgin Money, Brighter Money Matters. I had signed up for their Brighter Money Matters a few weeks back so was happy it was not an unsolicited email. The survey was about a specimen letter asking for KYC information and VM wanting to know what I felt about it. It included the…
Challenger Banks
Hi everyone, Long time reader, first time posting. Just wondered if anyone could offer any clarity on requirements to open an account with the challenger banks? Adult son (early 30's still at home), currently unemployed due to long term health conditions. Regular benefit payment into current account, for which he has a…
"Pending" Credits in Nationwide flex account
The new android app has missed these out - at least - I can't see themAnybody know where they are hidden ?
Transferring currencies, setting rate
I used to use Currencyfair quite a lot and it was very handy. You could set your own rate and when it's hit, the money would transfer. They have since changed their policies where rate setting is not possible anymore and also you the rates aren't that good anymore. Does anyone know of a good alternative? I basically…
Santander switch account with 2 Direct Debit
It said "Within 60 days of telling us to switch your account, you’ll need to complete the full switch using the Current Account Switch Service, set up 2 active Direct debits" Do I need to set up 2 direct debits OR I can bring the direct debit from old bank to new Santander?
Instant spending notifications [Merged]
Hi does Bank of Scotland have instant spending notifications on both of their debit and Credit cards? Thanks, DevonRiz123
Santander Switch offer.
I already have a Santander account so I was wondering if I was still eligible for the switching bonus. As far as I can remember, I’ve not had a switching bonus from them before.
legacy RBS account help needed
Hi there, Any help in advance much appreciated as I need a first port of call. I am a joint account holder on an RBS account opened in 2004 the account hasnt been used for 15 years and addresses etc never updated, plus I have no online or phone access. Yes I should have closed it but its one of those things. 2 months ago a…
Lloyds Switch Mar 24
Hello, we have recently done a current account switch to Lloyds. It was suggested on MSE as one of the best switches at the time (19th March 2024). We now can’t find anything on MSE about the Lloyds Switch, and they have said we are not eligible because of the type of account we signed up for. However, we don’t recall MSE…
Monzo account was hacked, need help.
Hi, I am asking on behalf of my sons girlfriend, before i start i will give some background. She's 21 years old and recently moved to the UK to go to University, her father sends her £900 each month for rent/food etc etc to her Monzo account. Whilst she was at college her card was stolen and somehow they got her Vinted…
Fraudster capabilities and very suspicious account activity
A local business owner has had some real difficulties with fraud of late which I'd love to have and explanation for but I don't! Hopefully someone on here does, however I doubt it's going to offer any reassurances. Starting from the beginning, he tried to buy an old shipping container for extra storage, paid by debit card…
Switching current account but keeping joint account at old bank
My wife wants to move her current account from Barclays to another bank (not happy with a few things). We have separate current accounts (both with Barclays) but also have a joint account that we use to pay our mortgage/life insurance etc. If she were to switch her current account to another bank, would this affect our…
Metro Bank - Cute or Tardy Housekeeping ?
Interest on my fixed term bond is normally made available on or around the last working day of the month. In March there was no interest entitlement appearing in the app when I checked several times between 28 and 31 March. The entitlement eventually did appear on the app this morning (2 April), dated 28 March 2024 Now I…
CO Operative Bank Cutting 400 Jobs
I thought CO Operative Bank was already bad https://www.gbnews.com/money/co-operative-bank-jobs-cut
Bank accounts closed for a 19 yo - apparently fraud
NatWest closed my 19 yo son’s account apparently for money laundering/fraud. Someone put £1000 in his account, he won’t tell me what’s happening. He either doesn’t know or he is threatened. He tried opening another account with Lloyds but they closed it after a few days without reason. Where can he enquire what is about…
Removal of a joint account holder
My (ex) partner has not used our joint account since we split up about 14 years ago. I still use the account. Because of the account my partner is still listed as a 'connection' on my credit reports. I would like to remove her name and she would have no objection. However - I do not want to / cannot contact her. Online…
Refund to closed bank
I switched my bank from Monzo to Barclays but ended up closing my Barclays. I’m expecting a refund to my Monzo account which I switched Barclays (now closed) I assume this will bounce back to the retailer of both accounts are now closed? Sorry if that’s confusing!
How's this for identifying genuine/fraudulent phone calls?
I've just received an email from my bank announcing a new measure in place, which seems to be a simple but effective way to verify that it's genuinely the bank calling me, and not a fraudster, when I receive such a call: I realise that not everyone wants to use banking apps, and the system may be less simple for banks that…

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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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