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Budgeting & bank accounts

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

Easiest way to create a joint account for switch incentives
Hi everyone, we have pretty much exhausted most switch incentives and now looking at opening a shared/joint account to be able to go through the incentives once more. When I tried a few ago, they asked us to go in Branch which is quite a bit away. With all the bank closures, this is a hustle. Any suggestions of applying…
Recycled Bank Account Numbers
I have had Easy Access Savings accounts with Cynergy Bank now for a number of years. Previously every time I opened a new account, the new account number would just increase by 1 digit, i.e xxxxxxx1, xxxxxxx2, However, when I opened a new account this time, I was allocated an account number I had previously had that was…
Missing cheque
Taking me months to receive a refund from 02, paid cheque in at the post office now missing, so annoying but who takes responsibility? . Unlikely for o2 re-issue as they said they have sent cheque prior to this one that I actually got to pay in . It’s obviously a very common occurrence looking through the threads on here…
Don't forget to cancel Blue Rewards when...
Don't forget to cancel your Blue Rewards account if you cancel, say, a Rainy Day Saver account. I cancelled just the latter, thinking the Blue Rewards was linked and would also be cancelled... only to discover that I have been charged (twice!) for a Blue Rewards account that I thought had gone! :) (Barclays' response was…
Bank account advice (Paragon)
Really need some advice. My Wife sold her house earlier this year, the plan is for us to buy something new together. For safety she spread her equity amoungst a couple of banks, to keep within the FCSC protection limit. We are now in the process of purchasing our together home and she has started contacting the banks to…
TSB switch - cashback on 20 debit card payments per month
I switched to TSB recently for the switching payment plus the additional cashback offered on making 20 debit card payments per calendar month. They took a while sending the PIN through the post so I didn't have much time to rack up the 20 payments for September but I thought I'd done it in time, however I have noticed that…
Lloyds Bank delayed transactions
Recently the android app and online portal has shown a change for the worse. I use Lloyds as my major hub for movement of funds to/from other banks and savings providers. Lloyds used to show BACS transfers 15 mins after midnight, SO out actioned 30 mins after midnight, and DD actioned 1 hour after midnight.Now Lloyds don't…
Victim of Scam site. Contacted Bank. Next Steps?
I Googled "changing driver licence address" and didn't notice that the first link was a sponsored advert. It looked legitimate. It was www.changeukdriver.net. I inputted all my details including driving licence number, National Insurance number etc and paid the £39 fee. Afterwards I mentioned it to my brother who…
Transfer - Missing Money
Like most I have a selection of bank accounts for different things, recently I completed a transfer of £100 from my Halifax account to my Shawbrook account which went through fine and no problems so the next day I sent through £4900.00, I received a text to say the money had gone into my account however the next day I…
Lost banking details - what to do?
My wife wants to apply for a Natwest credit card (to take advantage of a no-fee balance transfer). She had a personal bank account with them several years ago that was closed down in 2022. When she tries to apply, she is told that she is an existing customer and to log on to online banking. However, while she has her…
Card fraud attempts - is it me?
HiSorry this is bit of a rant/moan. No I have not been defrauded.Earlier this year somebody called up about a suspect transaction on my credit card. They wanted me to go through security. I didn't but called my bank instead who cancelled the card and sent me a new card.Then 2 months after receiving this new card, another…
International transfers - Revolut is a joke
Hi All,I expected a transfer in USD to Revolut. Yesterday I have even upgraded from Free to Metal(more than Premium) plan 5am - information that the transfer is waiting and they need to verify some information and lift the restrictions. 10:30am - the face recognition + I selected what is this about + attached the…
Kroo dropping interest rates (change in calculation) from November
Just had the email, they're now setting the tracker interest margin at base rate -1.1% instead of -0.9% so from 26th November it'll be 3.9% instead of 4.1% (until the BoE drop rates) Pondering alternatives to store cash - I want a monthly payment of interest so any linked easy-access saver would have to do that. I am not…
Unknown monthly bank credits
My elderly mum has credits into her Santander current account, in the sum of £221.67 every month. They appear as BANK GIRO CREDIT REF PLL, PPA followed by a series of numbers which vary each month. She cannot remember what they are, and the bank say they don’t know and can’t help. Does anyone know what they might be or how…
Is this a scam
I sold an item this morning, to be delivered Friday. 550 appeared in my bank account under transaction description automated credit. Purchaser has just messaged me his bank details and requested a refund as his circumstances have changed. Is this a bacs payment or another payment type? Am I right to delay the refund?
Cashback on Gift Cards?
I have a Santander Edge Current Account and get 1% cashback at supermarkets. I give my daughter £100 cash a week to help her pay her bills which she spends mainly in Asda. If I bought a £100 gift card along with milk and bread in Asda, would I get 1% cashback for the Asda shop of £102.85 or just on £2.85?
Getting hold of deceased Grandma's bank statement
Hello everyone, hopefully someone can give me some guidance of an issue we have with getting visibility of my grandmas bank statement. My grandma passed away in 2021 and my mother and uncle were beneficiaries and executors of her will. Until 2020 my mother was in control of my grandmas finances for paying the care home and…
Are my bank details on a faster payment to my sons account?
Hello, I have sent some money from my Santander account to my sons Monzo account by faster payments. He has let me know that he doesn't need the money and will return it to me. Will he have my bank details from the original transfer or will I have to give them to him? tia sx
Asked to pay for course via bank transfer.
I'm attending a practical course by a medical doctor who sent me payment details for their bank account - should I be concerned or is there any way I can protect myself? Many thanks
Santander Edge internaltional money transfer rates
Hello, My wife regularly sends money home to her family in Malaysia. She has used Nationwide in the past but is thinking of swicthing to Wise. Some friends use Santander Edge which waives the transfer fee (but probably includes a markup on the exchange rate). Can I find out what the current Santander exchange rates and…

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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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