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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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Letter from Halifax - Will I get a CIFAS Marker?
I made a post on here about a week ago about this. I received this rather worrying letter in the post. I did do a CIFAS DSAR on Monday which came back on Wednesday with nothing on it but apparently it takes a week or two to show?? I’m truly worried that I won’t be able to use another bank account again. I’ve seen all the…
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TSB Spend and Save reward offer - what to choose - hotel or activity pass?
Hi, I've been sent the code to choose my reward offer which is great but not sure what to go for. Can't find any information on the range of hotels on offer or the activities and don't want to make a wasted choice. For example, the voucher is for £120 and if the hotel rooms all cost more than that when I might be…
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Secure use of voice recognition for access?
Given the advent of voice cloning how secure are bank aaccounts which use voice recognition for access? I have lots of different accounts and several banks try to get me to use voice recogition to gain access. I have always resisted this but given my opening statement and the various news stories today should they not…
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Lloyds switch offer 6 January to 3 February 2026
https://www.lloydsbank.com/current-accounts/switch.html * How to get the switch offer To qualify for the £250 switching offer (“the offer”) you must switch to a new Club Lloyds Account, Club Lloyds Platinum Account or Club Lloyds Silver Account using the ‘Current Account Switch Service’ to switch from a bank account held…
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Danske £200 Switch Offer (Starts 29/01/2026) - NI only
A new Danske switch offer is now available. T&Cs. No end date announced yet. What you need to do: To open a new Danske Reward, Choice or Freedom current account you must be resident in NI.
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Mother deceased - I have no i.d. for banks
I am trying to retrieve funds from my recently deceased mother's bank accounts. My problem is I have no photo i.d. (passport/drivers licence). has anyone else had this issue, and how did they resolve it?
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Santander Edgeup costing us money
My wife and I have a joint account. We had emails today saying You've paid £30 in monthly account fees and earned £14.67 cashback and interest on your Santander Edge Up current account in the last 6 months. This means you’re paying a monthly fee but aren’t getting all of the benefits of the account. Don’t forget to be…
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Current account switch to Nationwide Flex-account , from Chase, help please
HI there, I have wanted a Nationwide FLex accoutn for some time as I have heard that the Nationwide is fairly ethical and that they give out £100 bonuses each year (though I'm not sure if these are for savings accoutn or current accoutn I still would like one of their current accounts. I have seen the £175 incentive for…
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Prepaid cards & PoA
I need to get my dad a prepaid debit card so he has some independence - I have had to activate PoA (with his agreement & bank's support) due to him falling victim multiple scams, irresponsible borrowing & inability to budget. I have downloaded Hyperjar but as he is an adult I can't request a card for him, he has to be…
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Santandar Switching deal - really once in a lifetime deal?
Last time I had a santander account was back in 2015, I beleive it was a credit card, but it may have come with a current account. I dont think I ever sought out switching deals because I was always a bit apprenhesive about direct debits actually being switched for real. Anyway. I am doing a switching deal with them now.…
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Chase - Refer a Friend for £50 each
I have held a Chase Account for around 10 months and like it as you can have multiple accounts which is ideal for switching as long as you retain the main account. It also has a 4.5% interest account which you can put in as much as you like. This week they sent an email out that you can invite up to 5 friends from the ap,…
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HSBC Balance forecast tool
Does anyone know if this can be turned off in the HSBC app, it is absolutely useless and just takes up space on the home page and the account page. We have been with then around 45 years but this is really tempting me to move banks
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I've maxed out sole switches, can I now repeat using joint accounts?
I seem to have run out of options doing sole bank account switches, but I have a joint account with my wife. Does anyone know if that joint account would be eligible for switch incentives? *My wife has never bank tarted, she 'can't be bothered', don't know if that would make a difference.
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Buy Now Pay Later -VERY CATOLOGUE
Hi there,i bought a laptop over a year ago on BNPL scheme with VERY HOME SHOPPING ,without any warning or communication as to my period ending, i was slapped with nearly £900 interest on top of my balance!!! most credit cards give you a months warning as to when your offer is expiring,i feel that a sneaky move to make more…
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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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Temporary account ?
I need to keep £100,000 in an account with instant access ready to pay for land purchase when the right plot comes up for sale , my other funds are in NS&I bonds and I am retired so no salary will be paid into this account and nothing spent from it , just one lump sum up till it is needed ( or two seperate accounts if that…
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Phasing out of Scottish banknotes in Scotland
There seems to be a new thing in Scotland now since end if last year where the cash machines only issue Bank of England notes now. I can’t see anything online about it. Have they now finished and we are moving to just one type of note?
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Santander Hard Search
Hi I had an alert from Experian today that a hard search had been carried out by Santander on 31st December. I don’t have any accounts with them and as far as I can remember never have. The only thing I can think it is is fraud as I know I definitely didn’t do anything banking related on that day. Does anyone have any…
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Hsbc online login
Hi Usually when you go on their website to login to online banking it asks you to generate a code from your mobile app. But now it asks you to login to the app and scan a QR code that appears on the website. I have tried scanning the QR code several times but nothing happens... Anyone else had this issue?
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Standing order paid twice
I had a standing order paid every 3 months on the 30th of the month - so the bank paid it Friday and then randomly paid it again this morning. Spoke to the bank and they are going to recall / reverse it or something tomorrow but most concerning, didn't seem to have a clue as to why it had happened! Fortunately I had enough…
