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Budgeting & bank accounts

Discuss bank accounts, banking apps, budgeting hacks and how to organise your money.

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…
Santander are trying yet again to cheat business accounts holders
Every few years Santander try to renege on their "Free Banking Forever" contracts with thousands of business account holders, by moving them to a different type of account. On previous attempts, (2012 & 2015) MSE has got involved and the Financial Services Ombudsman ruled against Santander, saying that 'forever' means…
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?
What do you do once you have used all of the cashback switching offers from banks?
Like I’m sure many of you have, once you use up all of The available bank switching Cashback for the time being, what do you do until the next one is available?I as most banks, don’t let you get cashback again with them for several years, Are there any other comparison sites that provide cash back incentives for switching…
Tesco Bank Community (forums) closure
Tesco Bank has their own 'Community' i.e. web forums. This friendly message is what appears on the front page (link to archive of page): Community from Tesco BankOur door is always open, come on in. Immediately above that is this message: Community closure We wanted to let you know we’ll be closing our Community site on 14…
Anyone know what 25togo is?
I've had a payment paid referring to '25togo' into my bank account, crazy thing is it references my wife's name against it. My wife hasn't sent me anything, nothing has come from her accounts she's checked. I can't find anything about this 25togo apart from something to do with a type of handbag, a mystery.
Is this a Scam on a bank account?
I noticed today on a bank account the following unrecognisable transaction from yesterday. The bold is the supposed recipient of the "Money Out" with the other text the transaction reference: INTL CARD ILPXIADE £0.48STEPTEMBER+61299758427 AU(Date) I have zero subscriptions, nor have had any purchase transactions on this…
Santander 123 Lite - conversion to Everyday Account from 21 August 2025?
I posted this on another Santander thread, but it probably deserves one to itself for those who still have the 123 Lite. I have not received anything via email or post, but saw this on their website (note “we’re planning”?): https://www.santander.co.uk/personal/support/current-accounts/changes-to-your-current-account…
£12 a year from Santander Edge account
Due to reducing direct debit bills and no longer getting 1% on debit card purchases I am now only getting £12 a year in cashback after paying £36 a year for maintaining the account. I am now thinking of switching that account to gain a switching bonus. However I have two edge savings accounts paying appro £19.84 each a…
First direct frustrations
Having banked with FD for years, today i choose to pay a sum off on an MBNA MC, logged on and went through all the security checks for the payee through the drop down menu, filled in the details, clicked pay.... Simple or so I thought. I received a text message from FD fraud dept saying they wouldn't pay the bill until i…
£30 voucher for opening Santander Everyday or Edge account
Credit to @goatfaced for bringing this up in the 123 Lite thread. https://www.moneysavingexpert.com/banking/compare-best-bank-accounts/#santanderedge Filling the form in results in a 'Something went wrong' message for me on Safari, but in Firefox it worked just fine. Closes tomorrow. New & existing customers. No switch or…
Nationwide - Lost £440 Payment
Hello I was wondering if anyone can advise me on what to do please, I withdrew £440 from ‘Britain’s biggest bingo site’ (not sure if I’m allowed to name them T******) late at night on the 14th June 2025, and the next day when I woke up on my front screen notifications it said Nationwide ‘ £440 T****** ‘ approved ‘ .When I…
Barclays business bank account od removed with no notice
Hi, I have a longstanding business account with barclays and we have an agreed overdraft. We use the overdraft when we have a large project running for cashflow and it's never delinquent. We are currently just under a third of the overdraft balance. Our bank account was frozen on weds, it was their error and we managed to…
When do Cheques Clear
I recently paid a cheque into my Nat West Personal account on line. A few days later the cheque had cleared and my account had been credited. I acted on it being cleared. A full day later Nat West reversed the payment and debited my account. Can they do this?
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
Fare Share Qualifying Conditions Other Nationwide Accounts
Hi All, Here's one to watch out for. I have qualifying accounts for the fair share and have enough money being paid into the account from a client. I wasn't aware that the client was paying from a Nationwide account and wouldn't know how to check this but this made my fair share payment void. I only knew why because I…
Charities CAF Bank in meltdown since their new system went live Monday 9th June
It is now three (3) working weeks since the UK Charities Aid Foundation (CAF) replaced their old banking system with a brand new one. STILL it is not working properly and there must be hundreds of accounts and thousands of people who can not get access to their accounts due to login, OTP and errors in the system once you…
First Direct Perks
Seems like a new reward scheme incoming?
New Lloyds Premier current account
Looks like Lloyds is going to launch a new Premier current account at the end of this month which will replace Lloyds 360 which never made much sense anyway https://www.lloydsbank.com/lloydsbank360.html
Co-op New £175 Switch Offer
Applied, been accepted. Am I right to read it as simple as this... 29th May - My switch date Pay £1k in after 29th plus have 2 direct debits come out plus 10 debit card transactions. £100 received. Then when received, day after, put £1k in again and continue with 10 debit card transactions monthly. Continue this for 3…
Chase UK discussion
Thought we would have heard something by now

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MSE News

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Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
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Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
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Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
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Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
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Budgeting & bank accounts

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