-
New to the Budgeting & Bank Accounts board? Start here
💸 Some threads you may find useful * What's your financial setup? Forumites explain how they organise their accounts * Which simple phrase or motto sums up your budgeting philosophy? * Living with a new partner: organising your finances * An Archived List of Switching Offers * Savings/investment DDs and debit card deposits…
-
Warning to Nationwide customers and a big step backwards
Shocked to find Nationwide have 'switched off' their sms notifications for insufficient funds, without telling me! I noticed two Council tax direct debit payments bounced but, only after a month, as the council did not notify me either. In the past, I have always relied upon Nationwide's sms message alerts to give me the…
-
Lloyds switch for up to £500, 24 February to 30 April 2026
Switch to a new Club Lloyds for £200, or Lloyds Premier for £500. Open a Current Account Online | UK Bank Accounts | Lloyds https://share.google/6K20M5Iy0knuEbtVi https://www.lloydsbank.com/current-accounts.html £200 Club Lloyds switch offer Terms & Conditions. To qualify for the £200 switching offer (“the offer”) you must…
-
Facial recognition
Does anyone here uses facial recognition to log in to their banking apps or approve payments? Would you recommend it or avoid it?
-
Open new Santander Edge and Current accounts?
Hi, my 6% on the Edge saver accounts expired today so I closed them via chatbot. I noticed that if you open new current accounts you also get Amazon vouchers. However, you need to use the current accounts for purchases to qualify for the voucher, which I imagine would trigger the monthly maintenance fee, wouldn't it. Is it…
-
NatWest change to biometric data policy
See here from 20th May 2026 they can use your biometric data without your consent now to prevent fraud for legitimate reasons. https://www.ukbusinesstimes.co.uk/natwest-may-20-2026-alert/
-
Bank Fraud
Hi - needing some direction with my current case. 2 Weeks ago , i noticed money being taken from my account on betting sites. I notified my bank immediately to be advised the transactions were pending and before they could not act on this , the money physically had to leave my account?? Is this normal ??? So, i waited…
-
Advice on Wise accounts please
Hi Until recently I have used Equals Business to provide two prepaid cards but they have introduced a £25 per month fee. So I have been checking out Wise who don't seem to charge a monthly fee. However I'm not sure I fully understand how they operate. They don't provide a contact for non clients. We just need two prepaid…
-
Scottish Halifax Accounts Changing
Just a heads up, it looks like LBG are doing some housekeeping with regards to Scottish Halifax accounts. I received a letter today informing me that , because my Halifax Reward Current Account was originally opened in Scotland (about 30 years ago, and has been my main account ever since), it's changing to a BoS vantage…
-
Halifax login
Hi. Just wondering if anyone else has noticed when logging into Halifax it now states you don't need a password? Seems a bit strange to lower the security and also not inform me about the change. Anyone else has this?
-
Are there alternatives to Direct Debit for monthly fees?
I’ve noticed that some monthly payments (like gym memberships or subscriptions) are still taken by Direct Debit, but they don’t always go through smoothly and can lead to missed payments or extra hassle. I’ve heard a bit about newer options like Pay-by-Bank or Open Banking payments and wondered if these are being used more…
-
Barclays Bank privacy policy is 10 years out of date!!
I know that a huge proportion of people don't actually read the "small print", but sometimes it's important. I recently had to launch civil proceedings against a debt recovery company who were demanding that I pay over £300 for a CCJ that wasn't mine… obviously, the District Judge ruled in my favour but it has made me be…
-
Santander Switching Swizz
I've been sat patiently waiting for the 90 days for my Santander Switch bonus to be paid into the account… only to discover I'm not getting one, because the Direct Debits on my account are eligible by their definition of "Household Direct Debits". Turns out they have a list of companies you have to hold Direct Debits with.…
-
Stick with Santander 123 Current Account or Switch to Santander Edge Current Account?
I have had a Santander 123 Current Account for years and am wondering whether to switch to a Santander Edge Current Account instead? I don't need an overdraft and am more interested in interest rates and cashback. What would be the best move?
-
HSBC £500 (was £250) switch offer for opening a Premier Account (23/03/2026 to TBC)
New HSBC switch offer starts today. While it's marketed at high earners, don't let that put you off. T&Cs. Edit: Offer has been increased from £250 to £500. They use the word "salary" but can't find anything yet to define whether this means that self employed people or freelancers (i.e. non-salaried people) are excluded,…
-
Need a little advice, my take home pay is different to whats calculated...
So I've been using this https://www.thesalarycalculator.co.uk/salary.php to calculate my take home pay estimates... I earn 38K a year. According to the calculator my PAYE should be £423.83 and NI £169.53 But the actual deductions were £441.20 and £176.49 Not wildly different but nearly a weeks shopping. But I also have a…
-
NFT Main Disbursement
I have a credit on my statement from "NFT Main Disbursement". No idea who/what this is. I asked my bank to help identify the originator of this payment, and they helpfully advised me it came from "NFT Main Disbursement".Tried google, without any luck.Any ideas?
-
Santander free forever bank account changes
Just got a letter in the post that Santander are changing my business account to £9.99 a month. I've had it a very long time and remember Santander trying this move before only to be told they can't because the original sign up material pushed it as being free forever. Does anyone have any thoughts?
-
£10 Amazon gift card for opening a Santander savings account (09/12/2025 to 18/12/2025)
Get a £10 Amazon gift card for opening a Santander Edge Saver, Easy Access Saver, Limited Access Saver, Fixed Term Saver, Fixed Term ISA or Easy Access ISA. OFFER HAS ENDED. What you need to do: 1: Use this LINK (taken from MSE, other affiliate links are available - I've listed the Top Cashback affiliate links in this…
-
Switching to FD or Barclays with debt
Hi, I have had defaulted debt with both HSBC and Barclays in the past. Both accounts were sold on to debt recovery companies, and so nothing directly with them at the moment. The defaults were over 6 years ago and so no longer appear on my credit record, although I am still making payments to the debt recovery agency…
-
Co-Op Switch - Have I done the right thing?
I opened a Co-Op current account last week, mainly to gain access to the 7% Regular Saver, but I also hoped to benefit from the £175 switch bonus too. I applied for a switch (from a redundant Halifax account) on Monday - the switch application took the form of a sort of online PDF file, which I filled out and "signed"…
