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Budgeting & bank accounts

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

Linking Paypal accounts for direct debit - does this work?
Hi, would like advice/confirmation from anyone who may have done this and whether it works.- I have 2 bank accounts that require me to have 2 direct debits for switching/bonus etc- I have a Paypal account set up with 1 monthly bill to be paid- I have linked this Paypal account/bill to Bank Account A alreadyQ1: Would it…
Accessing historic statements from Egg
I would like to access statements from my online egg online account for 2012-2014. I no longer have the account. Egg got wound into YBS. When I spoke to them in person, they said they did not hold any account data for now closed egg accounts. The information will be held somewhere and I would be grateful for any pointers…
RBS bank joint account name not recognised online
Just opened a new RBS account in joint names of wife and myself. The only way this can be done with RBS is to open account in my name (Smith C - fictional for this thread) and then add wife (Brown - using her own surname, not married name). Account is opened with name Smith C. We add wife and eventually RBS confirms change…
Whatever Happened To Offset Accounts?
I was reminded of these accounts today, where your mortgage was essentially a giant overdraft on your current account. I think Virgin was a big proponent of them early in 2000s. The idea was that you would pay less interest on your mortgage because you had all of your current account money bringing the overall total down.…
Third party mandate with bank
I just wondered if you had a view on this issue? I am 64, in good health and have Lasting Power of Attornies in place for health and finance. I have recently heard about Third party mandates which you can set up with banks and wonder whether its a sensible idea to have one in place so my daughter could always have…
Danske bank notes
Will post offices and/ or banks in England accept these ?
Bank problem maybe
I have an account with Barclays for over 30 years . In 2019 I sold my house, unfortunately the next property fell through and I became of no fixed abode. I lost my debit card in the meantime and needed a new one sent out. I told Barclays I was in between addresses and they told me they could send it to a care of C/O…
Transfer to UK Bank Account from US Share Registrar
I was hoping to get some guidance on the below. I am employed by a UK entity, however as part of my remuneration, I receive equity/stock/shares from the US parent company. As the stock is listed on the Nasdaq, the stock/shares are valued in USD. Currently, when I sell stock/shares, the share registrar (Shareworks) pays the…
Banks
I need to deposit cash in bank. All area branches do not exist any more. There is one main branch in town. I cannot get to town until the afternoon. It closes at 3pm!! How on earth can people bank any more. Yes I do have digital but that’s not the point. I often still need to do this. It makes me so angry 😡.
USD Bank Account in the UK
Hi, I work in the UK for a US based international company. My company offers shares (ESPP) for employees at a discount and I have registered to buy shares regularly every quarter. The fund to buy the shares will be deducted from my salary. One of my friends suggested that I consider opening a USD account in the UK to help…
VERY simple spreadsheet to track a single bank account.
Hi all My elderly mother in law wants to keep track of her bank account on her computer. Is there a spreadsheet that will be simple to use and just has money in and money out (with a description of what the income expenditure is out with a running total. It doesn't need to have any budgeting features but just a running…
Revolut Salary
Hi, Looking for some advice on the above. I am getting my salary paid into Revolut for the first time and I have got to say I am nervous. My salary is due on Friday. I have received my payslip from my employer. Should it be showing on my revolut statement as pending? Nothing is showing. Also it seems to indicate on the…
Looking for a UK app to track money
I’m hoping to find an app that will monitor direct debits, spending, income etc on more than one bank account and send out alerts if a purchase is going to mess up paying bills that are coming up, before more money goes in. I can’t seem to keep track of how much money I have compared to when bills are coming out. I’ve…
Tesco asks Goldman Sachs to find buyers for banking business
Bloomberg reports Tesco has started the process for the potential sale of Tesco Bank. They've appointed Goldman Sachs as an advisor to seek out buyers. No comment yet from Tesco nor GS.Tesco Bank sold its mortgage book to Lloyds in 2019 and shut down its current accounts in 2021. Its main offerings now are savings…
registering for santander online banking
I keep trying to register for online banking with Santander, I have a new mortgage with them, no bank account. they keep sending me emails saying I can register for online banking with just my mortgage number and mobile. when I enter in the details (mortgage account number) it keep asking me for a banking sort code despite…
Deposited cheques at post office gone missing
I deposited cheques at my local post office for paying into my bank account. The cheques have gone missing. I rang my bank, but they say that they have no record of the cheques. How do I contact the post office to start tracing the cheques? David
Money Transfered, or has it?
Looking for some advice.. Monday night I transfered £375 from my Virgin M Plus saver to my M Plus current account. I then tried to transfer it to my Llyods current account. The Virgin app errored a couple of times. I force quit the app, tried again and gave up. A few minutes later checked my Llyods account and the money…
Help. Am I at risk?
Anxiety through the roof (because of my own stupidity) I stupidly fell for a telephone scam today (please no hate, I am aware of my own stupidity). I gave the guy my address, postcode, DOB and full name before I cottoned on and hung up - he called me back several times from an unknown number but I did not answer. The scam…
How many RBS or NatWest current accounts can I hold?
Does anyone know how many RBS current accounts you can have open at once? (Or NatWest ones as I guess the answer would be the same.)
LBG paper statement "issues"
I've just had interesting emails from Halifax, Bank of Scotland and Lloyds saying "We’re experiencing some issues and may not be able to send as many by post as we normally do. As you use Internet Banking, we’ll only send your statements to you digitally." This takes effect from 1 November 2023. The email also makes the…

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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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