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Budgeting & bank accounts

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

Topcashback £25 bonus for opening a Santander Edge Current Account
For those who are contemplating opening a Santander Edge Current Account for the various benefits not least the linked 7% Easy saver (maximum balance £4000) go to Topcashback, follow the link to Santander Edge Current Account and benefit from £25 cashback. It takes a while to come through, but my payment has just arrived.…
Ombudsman Complaint
How do I go about Complaining about someone who dealt with my case at the Ombudsman? They have said my case would be live publically but its not. I've also asked them that I want Nationwide policies changed around joint accounts and let both parties aware. They said they would propose this but Ive not seen any changes.…
Issue with Santander online banking
Having a issue when I login opens on the account page OK but once I attempt to navigate anywhere it brings up screen online banking not available. Sometimes if I click on the back arrow it does take me back to the accounts page. Hitting the log out button has the same result Hitting the back button sometimes restores…
Standing orders in and out of account
I have just opened a Club Lloyds account in order to benefit from the Disney+ lifestyle benefit. I need to deposit £2,000 per month to avoid the monthly fee. I don’t want to leave it there. Can someone recommend the best way to set up standing orders to and from the Lloyds account please? If I set up one to pay in on the…
Need Advise-Looking for Bank Best Rates For Receiving Funds in €
I am planning to move back to the UK after having spent many years in France. My pension will be paid directly in € to a UK bank. Can anyone recommend a UK based bank (online or with a branch) that has the best rates for exchange in foreign currency? Thank you.
How much does your credit score affect getting a Santander Edge current account?
I’ve been doing a lot of switching lately with a burner account so my credit score’s dropped to the lowest rung of ‘good’ on Experian. My sole income outside my husband’s salary is tax credits and child benefit, so I’m probably not an attractive customer based on money coming in. I have a couple of joint savings accounts…
Changes to FCA & my bank account
Martin, I've been subject to multiple calls from bank regarding changes to FCA guidelines that require me to explain transactions on my bank account. My initial call with my bank was quite threatening and made me feel like a criminal. I'm very thick skinned so don't take offence easily but the first phone call I received…
Issue between RCI Bank and Lloyds
I've held my savings with RCI Bank for about 6 years, and current account with Lloyds for about 20 years. Regularly transferring between the two accounts. At the beginning of January, I realised that any withdrawals I made from my RCI account weren't making it to Lloyds - they were deposited straight back into RCI. As…
Nat West can’t find account
My son has an account with Nat West which he took out as a student several years ago. He has an outstanding debt of £2000 on the account, which he wants to clear. He doesn’t have the account details so can’t pay it off and Nat West can’t find it either. They told him to use mylostaccount to find his account and this hasn’t…
Halifax bank repeatedly declining payment
My ancient iPad is coming to the end now, so I saved up enough money for a new one and placed the order with Apple. Only problem is, Halifax declined the payment. I contacted Halifax, and they said something about daily limits, only I have actually spent over that amount in the past. They suggested I buy a cheaper iPad. So…
Co-op Bank registration for online banking.
Applied for a current account with the co-op. Was accepted, and got 2 emails plus one today with the account number and sort code. Nothing by post yet. What is the process now for the registration for online banking. The Co-op app. Is asking about a Username, Password and 6 digit security code. How are these set up?…
Current Account Switching Service
I had cause to write to CASS about a suggestion that I felt worthwhile. Their reply was that they do not operate the switching service. Their role is to advertise and give advice. This normally means referring you to one of the switching banks. I therefore do not know who to approach with my suggestion which is:- The bank…
Barclays bank put account under investigation
Hi All I am wondering if anyone can help me. 3 weeks ago Barclays put my account into investigation and have put a block on all my cards and online banking. i have banked with them for over 10 years, pay in lot of money from my employer ( through BACS and from their official account) and have not had any issues. Have a…
Revolut UK transferred funds to HSBC UK (DEBIT) charged a fee
I transferred £15 to my friend from my revolut card UK to her HSBC UK debit account. However she only got £14.83. and it seems like HSBC UK took a fee. Why is this?
RBS - Closed my account and held funds during switching - Help!
So like many other people I saw the RBS/Natwest £200 switch offer last week and decided to have a go as ive never done a switch before. I opened a RBS account on the Tuesday and passed all the credit checks etc inc the 3rd party Hooyou one. All was good and had various SMS and Email over the next few days saying my account…
Banking and nationality
Say someone was born in the UK and always lived here, with British nationality and no dual nationality. Then at some point, in adulthood, they choose to apply to gain French nationality (through family links making this possible) to become a dual national, even though they intend, probably, to remain resident in the UK. If…
Best/cheapest way to transfer larger sum for buying property abroad.
Hi all! My good friend is looking to buy a property with her BF in Portugal and she asked me if her Revolut is the best way to transfer a large lump sum to pay for her part. Not sure how much exactly, but let's say £50,000 . I think Wise might be a tiny bit cheaper, but aren't there some brokers who specialise in this kind…
Complicated third party payment process with First Direct - same for all banks?
Hi I wanted to transfer some money to my Wise account from my FD current account. It gives the option to pay with the app using a QR code or else via the desktop. Thinking it would be easy via the app, it then entered an extremely complicated process where I had to manually login to FD using a username and a security code…
Paying coins in
I know this comes up a lot and after building up quite a substantial amount of coins at home it's time to pay it in. I had thought it was going to take me 6 trips to the bank with a 10 bag limit, however after asking at our local friendly post office they will allow me to pay in over £500 in one go. They did advise a time…
Advice on Sending Money to the US
Apologies if this is not the correct part of the forum to post this but I want to send some money to an organisation in the US and the choices are PayPal, debit/credit card (not using PayPal) or bank transfer. For a bank transfer it says they use Stripe but I've no idea what it is. What would be the cheapest way for me to…

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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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