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Budgeting & bank accounts

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

Cashplus Bank - genuine email?
Hi everyone, I had an item for sale on Facebook Marketplace (DJ decks) which yesterday a lady asked if she could buy as long as I posted it to an address in the UK as it was a surprise gift for her cousin. She was offering the full asking price plus extra for postage. The lady asked me for confirmation of the price, bank…
Tax Rebate/Refund
Hi all, I owe hmrc money which I’m paying back monthly from a previous years personal tax accounts. this year I’ve overpaid and I’m likely to be owed a refund. My question is where does this money go? Direct to hmrc or paid to me directly as it normally would?
Bank Cashback/Reward Schemes
NatWest/RBS Virgin Money Barclays TSB Possibly others Am I right in thinking they use the same system?🤔
RBS Digital Banking down
RBS digital banking is currently down for me. According to Downdetector, RBS and NatWest both went down at 7:00 am but NatWest came back at about 10:00 am. RBS still appears to be down. This was acknowledged on NatWest X but not on RBS X.
Cheapest DD for bank switch?
Hi im struggling to find the thread for the cheapest DD for the bank switch? I need to set up 2. Thanks
Nationwide FlexPlus Travel Insurance Change to Aviva
Do you know what the definition of a dependent child is under the new travel insurance from Aviva which commences 1 May 2024? It states under 23 and no need to be in full time education, so does that mean any of your unmarried children, under 23 that live at your home? I don't think of my son as dependent as he has has a…
Missing Balance Transfer
I'm in need of help and advice. On the 23rd Feb I started a balance transfer from my new M&S CC to my Natwest CC via the M&S app. I checked my Natwest balance on the 28th but it still haven't been recieved. I called them just to be sure and they knew nothing about it. I gave M&S a call that same day, the balance had been…
How 'new' can a direct debit be for switching?
Apologies because I feel like this question has come up before but I cannot find a solid answer using the search function. I am looking to start switching accounts for the incentives. I have set up a second chase current account to be the one switched. I have moved my direct debits to pay my 2 mobile phone bills (sim only…
Bog Banking
"Furious MPs attacked bank bosses over the strategy which means customers are left having to use the pop-up sites in unusual locations including a garden centre and even a public lavatory."https://www.thisismoney.co.uk/money/markets/article-13220625/Shameless-shameful-Bank-bosses-fire-branch-closures.htmlPerhaps I should…
card readers
How compatible are card readers from different banks? My RBS card reader is complaining about a low battery. I tried changing batteries but either the new ones are faulty or I did something wrong as it didn't work after I had changed. I've just got (as part of their switching offer) a card reader from NatWest which I think…
Bank complaint voided
Hi all I have recently been dealing with BoS/Halifax, regarding an issue I’ve had with an account. I won’t go into specific details, however I wanted to ask if anyone has ever had a complaint ‘voided’ by a bank or insurer? I had raised a complaint over the phone about 4 weeks ago but had not received any update so called…
Switch Questions
1) Has anyone on MSE thought about creating a Switch Board? 🤔😉😏🙄, noticed a lot of switch threads recently. 2) Am I dreaming or was there talk about extending switching to savings accounts as well?
Lloyds, BoS, Halifax App Error
The Google apps on my phone for LBG keep giving an error when I try to open any of the apps. The app inserts a "xxx has stopped", "App info", "Close app". I cannot get rid of this error. I have tried restarting the phone, I have tried removing each app and adding the app back individually, and I have tried removing all…
TSB switch
Has anyone received the switch money yet?
Bank of England holds base rate at 5.25% for the fifth time
The Bank of England has held the base rate at 5.25% for the fifth 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 fifth time –…
HSBC switch offer
Looking into the HSBC £220 to switch offer. But reading the small print, its actually only £100 up front, and then £10 per month for 12 months but to get it you need to jump through numerous hoops. It reminds me of the mid-noughties phone offers where every 6 months you have to remember to send off for a rebate. Question…
USD TO GBP Bank Account
Looking for some advise, my partner works for a US company and gets paid in USD, he then has an high street bank. the EX rate isn't great, and with him getting paid every two weeks, he seems to be losing quite a bit of money. I was wondering if there was a bank account that would be better for him, especially with the EX…
was I mis-sold when taking out a mortgage and bank account
Posting here as I think i put it in the wrong category and cant work out how to change it eek) Ever since the PPI scandal Ive been saying to my husband that we were mis-sold all the insurances we took out at the same time as our mortgage. It was a LONG time ago in 2001 with Midland bank ( who became HSBC)and I can really…
Halifax / Lloyds £1.50 FX Counter Withdrawal Fee
Just seen mention of a £1.50 foreign exchange fee when withdrawing cash on the back of a .pdf statement. I remember these charges a long time ago and as I recall they were levied by Visa - some banks used to absorb the fee and others passed it on. Has it made a comeback?
Metro Bank is the experiment over?
https://www.bbc.com/news/business-68554199 Jobs going and branches shutting Sundays etc

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MSE News

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.
Which NatWest and RBS branches are closing from 2025? Here's the full list – and banking alternatives
NatWest and Royal Bank of Scotland (RBS), which are both part of the NatWest Group, will shut at least 108 of their bank branches in 2025 and beyond, after the Group announced a further 52 NatWest closures.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
Winter Fuel Payments will be reinstated to all pensioners in England and Wales this winter – but will be clawed back automatically from those earning over £35,000 a year, the Government has confirmed. It means nine million pensioners will get the £200 or £300 top-up. MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis.
Car finance mis-selling update: regulator prepares for compensation scheme – and warns against using claims firms
Payouts for mis-sold car finance could be another step closer as the financial regulator has set out the factors it will consider if it were to introduce an industry-wide redress scheme – though we won't know more about how this will work until after a key Supreme Court decision expected in July. In the meantime, the regulator has warned that you DON'T need to sign up with a claims firm to be included.
Winter Fuel Payments to be extended to pensioners earning £35,000 or less – here's what we know so far
Winter Fuel Payments will be extended to all pensioners with incomes of £35,000 or less this winter, the Government has confirmed. It means nine million pensioners will get the £200 or £300 top-up.
Winter Fuel Payments extension confirmed for this winter – watch Martin Lewis' instant response and his message to the Chancellor
Winter Fuel Payments will be extended to more pensioners this winter – though not to everyone – the Chancellor has today confirmed. However, exact details of who will now qualify still remain scant. Watch MoneySavingExpert.com founder Martin Lewis give his instant response, as well as his key message for Rachel Reeves.
Nationwide Fairer Share: Free £100 bonus confirmed for 2025 – here's who will get it
If you bank with Nationwide, you could get a free £100 paid into your account in June or July as part of the building society's 'Fairer Share' scheme. The bonus will be paid to millions of its current account customers who also have savings or a mortgage with it.
Forced onto a prepay energy meter? You may be due money back as 10,000s to be compensated
If you had an energy prepayment meter forcibly installed or your smart meter was remotely switched to prepay mode without your permission, you could be entitled to compensation of up to £1,000 and may even be eligible to have your energy debts written off.

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Budgeting & bank accounts

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