Whole transaction history 16 December 2022 at 1:11PM in Budgeting & bank accounts 6 replies 343 views

STEFF198465

Hello

What is it at a bank where by you can get whole transaction history for a flat fee or £12 or £5. The wording important at bank

Thanks

SiliconChip

Subject Access Request (SAR), in most cases this will be free of charge. Most banks will have a section on their website to advise the best way to word and submit the request. You should note that what they send you may not be the easiest to understand.

eskbanker

Perhaps also worth bearing in mind that they'll typically purge off old transaction records after a DPA-compliant retention period, so if you're looking for something more than a few years old, don't be surprised if it's no longer available....

alternate

Most banks only hold 6 years it seems - so I would imagine that is the minimum required.

p00hsticks

alternate said:

Most banks only hold 6 years it seems - so I would imagine that is the minimum required.

And if you use online banking then you should be able to access statements showing all the transactions going back that long from there straight away, which will be considerably quicker than putting in a SAR

pridehappy

Most banks offer this for free, requested one in the past from HSBC, Nationwide and Virgin Money and they've sent it out with no problem, as long as you call them to request it. Lloyds Bank charges I think £5 for each 12-month period, it is typical for them to charge more than the other providers. If you've had online banking for an extended period of time, monthly statements are sometimes stored for 5-8 years even just on the app and are available for viewing. Saves you from paying or even having to request one.

born_again

SAR may not get your transaction history. Only your personal file details they hold on their system.
So if you want transaction details, you need to ask for statements for the period required.