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Budgeting & bank accounts

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

Children's account at the post office?
I am trying to find a simple savings account that my child can use which allows deposits and withdrawals at the post office. I didn't realise it would be this difficult! When I grew up in a village with only a post office some 40 odd years ago, my National Savings account was great for learning about money, paying in cash…
Banking problem on holiday that could have left me stranded
Not sure if I'm posting in the right place or not and want advice on how I could have been best handled this and what to do in the future. I don't normally go on holiday so I'm a bit wet behind the ears on this but have always wanted to go to Japan. I booked two weeks to travel from Tokyo to Kyoto, then Osaka. I bank with…
Santander closed accounts
My sister sent some money from Iran through 3rd party in 2 transactions from two UK bank accounts. Sadly, this is the only way to transfer money because Iran and UK have no direct banking. Santander asked where the funds have come from. I provided evidence from my sister and a letter from the 3rd party person that sent me…
NatWest & RBS App can't connect
Their Android Apps worked fine last night, can't connect to either service this morning, anyone else have the same problem?
Joint account advice
Just looking for some advice in credit card debt and in a self managed DMP at moment me and partner have a joint account with Halifax. Its same as mortgage All our bills come out of the joint. Few in my name Do we contact the bank to make it a sole account in my partners name? What will happen to the bills etc that are in…
TSB Switch Offer, Pending Transactions
I left it a bit late to do the TSB switch offer and by the time my card arrived with PIN etc I did the 5 transactions as soon as possible. As a couple of them were showing as pending for a few days they finally showed as completed transactions in the app on the 27th September. The ts and cs state the 5 transactions must be…
Santander Edge account without fees?
I've seen a few times that it's theoretically possible to open an Edge account and not pay the fees. Reading through the details of the account I don't see how that is possible? There would be no DDs coming out of the account, but there would be more than £500 going in each month, I'd think the £500 would trigger the fees?…
Natwest Statements
Anyone with NatWest know if you can order copy statements that looks like picture (Personal info Blanked out) just wondering for future reference if need one for Mortgage etc As when I ordered (Before ages ago) Official copies were A5 printed cost like £3 something and the other lot were list of transaction, Natwest…
I need a UK bank account but live abroad.
I have UK income but live abroad and need a bank account that does not require UK residency. Ideally providing a debit-card that offers worldwide free ATM withdrawal at mid-market exchange rates. Starling Bank is ideal but does not support foreign addresses. Are there any similar debit-cards on offer from any banks that…
Chase Bank Account - Cashback sites
I'm looking to open bank account with Chase and I was wondering if anyone knew if they paid the 1% cashback on purchases made through cashback sites such as JamDonughnut, where you buy gift cards from their app which is paid from your account. The exclusions mention account and prepaid card funding so i'm guessing no. Can…
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…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
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.

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Budgeting & bank accounts

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