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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…
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Cut off time to avoid overdraft or interest charges with Nat West bank
Does anyone know latest time money can be paid into Nat West current account to avoid overdraft or interest charges? I have asked their digital help but not got sensible answer. Told me how charges calculated but not cut off time to avoid these
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Santander Amazon opening offer x2
I opened a new Santander Everyday account last week after seeing the £30 amazon offer just for opening (no switch required). Now they’ve launched a new £100 Amazon offer, this time requiring debit card transactions. I’ve looked at the T&Cs quickly, but can anyone confirm if I could go for this new offer as well?
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Are we STILL to be sitting tight waiting on Halifax reward payouts or should it be dealt with by now
Finding inconsistent entries. There's myself & 4 other family members. All of us have 3 accounts with the exception of one person who has 2. All accounts get dealt with the same. I know this because I'm the one who does it & I do it all at the same time (not literally but in the same sitting). £500 payment, £2k credit (I…
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Applying to Barclays for bank switch - need an in branch appointment?
Ive downloaded the Barclays app to apply for an account and the switch. But when I got to the ID page it said that the ID would be needed before I go to the appointment with them. Ive never had to do that before - switched with TSB, co op, nationwide and first direct..no appointments needed. Is this a regular thing with…
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Browser dedicated for Finance
Thinking of setting up a browser just for banking on my Mac. It will not be used for any other internet access. I have a simple (no internet) phone which I will use for 2FA this stays at home so if I loose my smartphone there's nothing on it about banking. If I am forced later to use a smartphone by the bank I will get one…
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LLoyds and Halifax 'co servicing'
Had a message from Llyds saying theyll be soon be introducing a service where if you have a Loyds and a halifax account, you will be able to view both accounts on the app/online account of one of them. I wonder if this applies to joint accounts and does it require new sign in details? For instance, myself and partner have…
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Barclays Premier £400 switch incentive
https://www.barclays.co.uk/current-accounts/premier-switch-offer/ Generous. But I’m not sure if I qualify… I claimed the joint Barclays Premier/Barclaycard Avios bonus about two years ago. Not sure if this counts as a ‘CASS bonus’. Anyone got any ideas?
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Halifax Scrapping £5/Cinema ticket Rewards.
i think its worth it's own thread, some info added on to the end of the "slow rewards update" thread... originally posted by pokemaster and thanks to WillPS for: https://becleverwithyourcash.com/halifax-to-scrap-5-reward/
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Have Completed All Possible Bank Switches.What Next???
Since Dec 2024, I have been bank switching in both my name and my wife's name. It's been pretty lucrative and as a result, have earned well over £2000 in total. Have done all banks possible I believe (First Direct, Nationwide, Nat West, TSB, CoOp, Barclays and Lloyds).. NB: Couldn't do Santander as already had an account.…
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Lloyds bank premier account and debit card cash back
Anyway to get cash back by paying money into a savings account with another bank / building society like Yorkshire for example via the debit card or would these be excluded from the cash backs? What would the MCC be?
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Virgin Club M Account Travel Insurance
I have just had my renewal letter in for my Clum M acount travel insurance. We have pre-existing medical contitions. Called up to do the medical screening to be told that it would be an additional £521 a year to cover us. This is would no cahange from last year when they didnt charge any addtional premium. Now i know…
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Bank switch bonus for joint accounts
Hi, Was thinking of switching a Santander joint account to Lloyds club to take advantage of the £200 switch bonus. Previously both myself and my wife have received a switch bonus from Halifax (circa 2023) but for individual accounts (not a joint one). I think Lloyds and Halifax are same bank. Is the switch of a joint…
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Transferring a large sum of money from abroad
Hi everyone, Early next year, I’m planning to transfer £130,000 from abroad (within the EU). The funds are a gift from my family to help me purchase a property in the UK. I’ll have all the required AML documentation ready - including a gift declaration, bank statements, and identification documents. However, I’m a bit…
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Zopa Current account
I just logged into Zopa and it's offering current account states beta. Not available to everyone yet. Had anyone applied, any issues/reviews. Do they carry out full credit check or soft checks. Thanks
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Do Banks Pay Interest On Executor Accounts
I don't know if I should be posting my question here or on another MSE forum board, I will try here first. I am Executor for a relative's estate. Because of various issue I cannot distribute funds to the beneficiaries of my relatives Will for a few months so they are sat in an Executor account I have opened with a high…
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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?
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Recommendations for alternative bank - HSBC requiring phone app
Hi there HSBC are ceasing use of their physical secure keys - and now require mobile app use. I had my accounts hacked when my phone was stolen last year - so have zero trust in the security of the phone apps. I'm therefore looking to switch banks. I'm looking for both personal and business services - and ones that don't…
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lloyds prize draw
If you have a lloyds account go to everyday offers and activate it You could win up to £5,000 cash with Everyday Offers: 1 prize of £5,000 3 prizes of £1,000 10 prizes of £100 Prize draw closes at 23:59 on 31 October 2025. Winners will be drawn within 7 days of the closing date and notified by letter. One entry and one…
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Santander email address?
I am trying to contact Santander about getting a company added to their cashback list so I contacted them on customerservices@santanderconsumer.co.uk, the only email address I could find and got a reply that it was not the correct address and pointed me towards their contact us page which does not have an email address.…
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Santander to Lloyd's faster payment
Do transfers from Santander edge up to Lloyd's club not go instantly on weekends? Made a payment to meet the £2000 funding requirement and it has appeared but the available balance doesn't include it and it shows as a payment in for Monday.
