Santander 123 - Pending transactions show in the app but not desktop website

Daliah

Gas/electric is a fabulous example, particularly right now, where looking at the previous DD amount could be pretty meaningless. Usage varies, and unless you are on a fixed deal, prices can go up, too. Credit card payments another - if you pay off the full amount, there’s almost certainly a different DD amount each month.

I am getting regular email advice with precise DD amounts and dates for my gas, electric, broadband, mobile, and for my credit cards, several days before each DD. I didn’t have to do anything to get these emails. Don’t you get similar?

I have some DDs (gym, council tax, health insurance, water, some subscrptions) for which I don’t get monthly advice as the amount is the same each month, and the date is near enough the same, too.

Entering these DDs into my personal finance manager, and updating the amounts as necessary, is a doddle, and I have at any point in time a current and complete picture of not only my forthcoming DDs but of my entire net financial worth.

You are completely right that it is a personal choice whether you want to be in control of your financial commitments. If you choose not to record them in some way or other, that’s fine but don’t be surprised if you get caught out at times.

molerat

Is there actually any bank account that shows DDs as pending once the bank has the day 2 notification ?

Ballard

Daliah said:

Gas/electric is a fabulous example, particularly right now, where looking at the previous DD amount could be pretty meaningless. Usage varies, and unless you are on a fixed deal, prices can go up, too. Credit card payments another - if you pay off the full amount, there’s almost certainly a different DD amount each month.

I am getting regular email advice with precise DD amounts and dates for my gas, electric, broadband, mobile, and for my credit cards, several days before each DD. I didn’t have to do anything to get these emails. Don’t you get similar?

I have some DDs (gym, council tax, health insurance, water, some subscrptions) for which I don’t get monthly advice as the amount is the same each month, and the date is near enough the same, too.

Entering these DDs into my personal finance manager, and updating the amounts as necessary, is a doddle, and I have at any point in time a current and complete picture of not only my forthcoming DDs but of my entire net financial worth.

You are completely right that it is a personal choice whether you want to be in control of your financial commitments. If you choose not to record them in some way or other, that’s fine but don’t be surprised if you get caught out at times.

As I think I’ve said, if keeping track of your DDs works for you then great but not everyone thinks that it’s necessary so there’s no point trying to persuade me that your way is better. It is for you but not for me.

My gas/electric DD doesn’t change Willy nilly. As and when it changes they advise me so I’m never taken surprise with it.

My credit card required amount is available online. I check it every day, at the same time I check my other account balances, so it’s easy to know what to expect.

I am in complete control of my finances so don’t make I’ll judged assessments and feel that you have a superior handle on your finances than I do of mine. 

tempus_fugit

Ballard said:

Daliah said:

Gas/electric is a fabulous example, particularly right now, where looking at the previous DD amount could be pretty meaningless. Usage varies, and unless you are on a fixed deal, prices can go up, too. Credit card payments another - if you pay off the full amount, there’s almost certainly a different DD amount each month.

I am getting regular email advice with precise DD amounts and dates for my gas, electric, broadband, mobile, and for my credit cards, several days before each DD. I didn’t have to do anything to get these emails. Don’t you get similar?

I have some DDs (gym, council tax, health insurance, water, some subscrptions) for which I don’t get monthly advice as the amount is the same each month, and the date is near enough the same, too.

Entering these DDs into my personal finance manager, and updating the amounts as necessary, is a doddle, and I have at any point in time a current and complete picture of not only my forthcoming DDs but of my entire net financial worth.

You are completely right that it is a personal choice whether you want to be in control of your financial commitments. If you choose not to record them in some way or other, that’s fine but don’t be surprised if you get caught out at times.

As I think I’ve said, if keeping track of your DDs works for you then great but not everyone thinks that it’s necessary so there’s no point trying to persuade me that your way is better. It is for you but not for me.

My gas/electric DD doesn’t change Willy nilly. As and when it changes they advise me so I’m never taken surprise with it.

My credit card required amount is available online. I check it every day, at the same time I check my other account balances, so it’s easy to know what to expect.

I am in complete control of my finances so don’t make I’ll judged assessments and feel that you have a superior handle on your finances than I do of mine. 

But as you said you had lost track of which DDs come out of your account and when, then that suggests that the statement highlighted in bold is not 100% true. In this particular case I think that a list of your outgoing DDs, amounts and dates, WOULD have been beneficial, even if you don't think so, as you would have known what would be coming out soon and needed funding. I have also switched accounts in the past but have never lost track of my DDs, when they are due and from what accounts, which would suggest that I am more in control of my finances than you are.

Ballard

tempus_fugit said:

Ballard said:

Daliah said:

Gas/electric is a fabulous example, particularly right now, where looking at the previous DD amount could be pretty meaningless. Usage varies, and unless you are on a fixed deal, prices can go up, too. Credit card payments another - if you pay off the full amount, there’s almost certainly a different DD amount each month.

I am getting regular email advice with precise DD amounts and dates for my gas, electric, broadband, mobile, and for my credit cards, several days before each DD. I didn’t have to do anything to get these emails. Don’t you get similar?

I have some DDs (gym, council tax, health insurance, water, some subscrptions) for which I don’t get monthly advice as the amount is the same each month, and the date is near enough the same, too.

Entering these DDs into my personal finance manager, and updating the amounts as necessary, is a doddle, and I have at any point in time a current and complete picture of not only my forthcoming DDs but of my entire net financial worth.

You are completely right that it is a personal choice whether you want to be in control of your financial commitments. If you choose not to record them in some way or other, that’s fine but don’t be surprised if you get caught out at times.

As I think I’ve said, if keeping track of your DDs works for you then great but not everyone thinks that it’s necessary so there’s no point trying to persuade me that your way is better. It is for you but not for me.

My gas/electric DD doesn’t change Willy nilly. As and when it changes they advise me so I’m never taken surprise with it.

My credit card required amount is available online. I check it every day, at the same time I check my other account balances, so it’s easy to know what to expect.

I am in complete control of my finances so don’t make I’ll judged assessments and feel that you have a superior handle on your finances than I do of mine. 

But as you said you had lost track of which DDs come out of your account and when, then that suggests that the statement highlighted in bold is not 100% true. In this particular case I think that a list of your outgoing DDs, amounts and dates, WOULD have been beneficial, even if you don't think so, as you would have known what would be coming out soon and needed funding. I have also switched accounts in the past but have never lost track of my DDs, when they are due and from what accounts, which would suggest that I am more in control of my finances than you are.

tempus_fugit said:

Ballard said:

Daliah said:

Gas/electric is a fabulous example, particularly right now, where looking at the previous DD amount could be pretty meaningless. Usage varies, and unless you are on a fixed deal, prices can go up, too. Credit card payments another - if you pay off the full amount, there’s almost certainly a different DD amount each month.

I am getting regular email advice with precise DD amounts and dates for my gas, electric, broadband, mobile, and for my credit cards, several days before each DD. I didn’t have to do anything to get these emails. Don’t you get similar?

I have some DDs (gym, council tax, health insurance, water, some subscrptions) for which I don’t get monthly advice as the amount is the same each month, and the date is near enough the same, too.

Entering these DDs into my personal finance manager, and updating the amounts as necessary, is a doddle, and I have at any point in time a current and complete picture of not only my forthcoming DDs but of my entire net financial worth.

You are completely right that it is a personal choice whether you want to be in control of your financial commitments. If you choose not to record them in some way or other, that’s fine but don’t be surprised if you get caught out at times.

As I think I’ve said, if keeping track of your DDs works for you then great but not everyone thinks that it’s necessary so there’s no point trying to persuade me that your way is better. It is for you but not for me.

My gas/electric DD doesn’t change Willy nilly. As and when it changes they advise me so I’m never taken surprise with it.

My credit card required amount is available online. I check it every day, at the same time I check my other account balances, so it’s easy to know what to expect.

I am in complete control of my finances so don’t make I’ll judged assessments and feel that you have a superior handle on your finances than I do of mine. 

But as you said you had lost track of which DDs come out of your account and when, then that suggests that the statement highlighted in bold is not 100% true. In this particular case I think that a list of your outgoing DDs, amounts and dates, WOULD have been beneficial, even if you don't think so, as you would have known what would be coming out soon and needed funding. I have also switched accounts in the past but have never lost track of my DDs, when they are due and from what accounts, which would suggest that I am more in control of my finances than you are.

I moved about 8 DDs plus the ones from the switched accounts. In order to ascertain which ones were due on that day I would have needed to log onto each of my accounts and skip back a month. This would be a one time event. Once I’ve had the account a month it will be easy to keep track of it again.

Bully for you and everyone else who keeps separate track of their direct debits. It works for you and that’s absolutely fantastic. I still don’t feel the need to have a separate log of my transactions. I’m not going to keep replying to this thread because people want to prove themselves right. I am more than happy with the way I conduct my financial affairs just as you are happy with your processes. Let’s just leave it at that. 

schiff

Ballard said:

I have recently switched to Santander for their 'lite' account and was notified today that I needed to pay funds in as payments were due to be taken today. No clue as to what these payments are or for how much. I've looked on the app and website but there's nothing. Being as I've very recently switched and have moved additional DDs to this account it wouldn't be easy to work out which direct debit(s) they are referring to.

The available balance is the same as the total balance so that doesn't help but to be on the safe side I've moved £1,500 there which would easily cover any direct debit I have. This will cost me a grand total of 14p interest so I'm fine with that but am I missing something? Is there another place I can look to see pending payments?

Going forward I'll just leave a £500 balance there to cover anything but it would be good to know if there's a way I can find out what's due to leave.

Your original post gave the impression that you were floundering. Several posters offered help. Without apparently using any of the offered help, you now want to be left alone. 

northwalesd

Daliah said:
The only ones who can actually know are yourself and the company you gave a DD mandate to.

Oh, I totally agree.

Ballard

schiff said:

Ballard said:

I have recently switched to Santander for their 'lite' account and was notified today that I needed to pay funds in as payments were due to be taken today. No clue as to what these payments are or for how much. I've looked on the app and website but there's nothing. Being as I've very recently switched and have moved additional DDs to this account it wouldn't be easy to work out which direct debit(s) they are referring to.

The available balance is the same as the total balance so that doesn't help but to be on the safe side I've moved £1,500 there which would easily cover any direct debit I have. This will cost me a grand total of 14p interest so I'm fine with that but am I missing something? Is there another place I can look to see pending payments?

Going forward I'll just leave a £500 balance there to cover anything but it would be good to know if there's a way I can find out what's due to leave.

Your original post gave the impression that you were floundering. Several posters offered help. Without apparently using any of the offered help, you now want to be left alone. 

It did no such thing. It said that I wasn’t sure which direct debits were leaving the account that day and someone gave me the answer (looking at the DD list) The subsequent help offered, whilst well intended, was not the solution that I was after.

I did not appreciate being told that I was not in control of my finances when the opposite is true. 

Daliah

Ballard said:

I still don’t feel the need to have a separate log of my transactions.

I would be tempted to believe you if you had never started the discussion. 

Ballard said:

 I’m not going to keep replying to this thread 

Good-oh. 

Just a final comment on this particular subject in parting: in the time it took you to rubbish people's ideas about keeping records for their DDs, you could probably have created your list several times over.

Ballard

Ballard said:

Daliah said:

Ballard said:

I check every account every day so whilst a list of the DD details is broadly a good idea I don't feel it necessary for my needs. 

Your decision, obviously, though it's a bit like saying "I drive every day on different roads, and I always look in the rear view mirror so I know where I have been".

It’s absolutely nothing like that. I know that my gas/electric DD is, for example £75. I see that amount leaving my account and I know all is well. If I’m not sure of the amount I can very easily scroll back to the previous amount debited in seconds to confirm.

I can see that double checking against a list, however kept, would be attractive for some people and that’s absolutely fine but that doesn’t mean that everyone will feel that that’s beneficial. 

Apologies for anyone who was offended by my rubbishing of other peoples processes for keeping on top of their finances.