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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 💸 Some useful links to MoneySavingExpert.com guides * How to open a bank account *…
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Virgin Money 12%
Just in case no one has heard of this, (I haven't yet seen it on Money Saving Expert, apologies if I'm late to the party!) Virgin Money is offering 10% for switchers into some of their current accounts, one of which gives 2% interest. It's only on £1000 and only for a year, you have to switch with two direct debits, good…
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Considering moving from Barclays to Starling for current account
I've been with Barclays for 40 years and thinking it's time for a change. I only really use Barclays for our joint current account and it usually has about £5k floating around in it. I've done research and for a start I'd get some interest on this balance rather than nothing. I'm just a little nervous. Any positive or…
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Money to unknown account
Some time ago I transferred money to an account which apparently is not that of the intended recipient. What obligations do the banks involved have in regard to discovering where the money has gone ?
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Transferred money to closed credit card by accident
Hi, I transferred money from my Halifax Current Account to my old Halifax MasterCard account by accident. The MasterCard account was closed 5 years ago. Both accounts are with Halifax and in my name. This happened on Wednesday last week. I have contacted Halifax and I am getting conflicting answers as what to to do. Any…
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New Style Debit Cards
So which banks have the new Style Debit cards where all your details are on the Back the banks I know of so far that have done it, TSB Halifax First Direct RBS Chasse Starling Are there any other banks that are likely to change their debit cards in the near future, Do you guys/girls like the new design cards?
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Joint bank account for UK resident and non resident
I've been searching and am struggling to find an account I could open as a joint account for myself and my dad, who is non resident in the UK. Does anyone know of a bank account that can be held jointly by a resident and non resident? Thank you
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HSBC Advance £125 bonus + £80
Firstly, an update on the HSBC bank bribe. I opened the Advance account on 1st November, it took a couple of days, but my application was approved quite quickly, then it was just waiting for the account set up and card to arrive in the post (which it now has). These are the steps to qualify for the £125 bonus, in case…
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First Direct 7% con
My account matured. £300 per month x 12 so £3600 saved @ 7%. My interest was £135 around 4% !!!! Oh, it’s how the interest is calculated said customer support, your fault for not reading the small print. Learn from my mistake 😩
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Cifas marker removal
I have recently found myself in financial difficulties and with the help of another thread I think I can get myself sorted. My query here is how to deal with a Cifas marker that has been logged against me by one of my creditors for "evasion of payment". Admittedly yes I did get a £5000 loan with them and have not paid any…
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Joint account help/ideas needed
For various reasons I need to open a joint account, Starling fits the bill but I have had an account with them in the past and foolishly shut it down which means I can't open another one. I would appreciate any input as perhaps someone will give me an idea I haven't thought of, having looked at all the other banks I can't…
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Santander £185 Switch Offer: 18/03/24
From Santander website: Switch to Santander Edge, Santander Edge Up, Everyday or Private (v2) current account and get £185 Switch using the current account switch service. Within 60 days of telling us to switch your account, set up 2 active Direct Debits and pay in £1,500. Sorry we can’t offer this if you’ve received a…
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Does faster payments work instantly on bank holidays?
They are usually instant or withing 2 hours on a normal working day. Is that the same for bank holidays? Thanks (Sending from Lloyds bank)
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Amount needed vs Amount wanted for retirement
I've been reading this and other financial forums on and off for years, and I've appreciated what I've learned, but I find I'm sometimes taken aback by the conversations about money needed for retirement. Some of you, maybe many of you, have millions set aside or you're on track to have millions. It makes me wonder, do you…
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CHIP - number of debit card transactions per day
I know CHIP has limited the number of debit card transactions per day to six, but for the last few days I haven't been able to do more than three per day. Has anyone else noticed this?
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Full list of FSCS protected institutions in UK
Hello, does anyone have a list of all institutions in the UK that are separate from one another? I.e. if you had £1M that you wanted to spread across savings accounts (yes I know there are better ways, but just humour me), where could you put each of your £85ks (or £170ks in joint accounts) so ALL your money was protected?…
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Danske £200 Switch Offer 18/4/24 (NI Only)
Good morning, This is probably quite a niche one as you need to live in Northern Ireland to open an account with Danske as a new customer but Danske currently have a £200 switching offer for those who don't currently have a Danske current account. See: https://danskebank.co.uk/personal/products/current-accounts/switch-200…
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Barclays Closing High Street Banks
Hello, I was in my local Barclays today, only to learn they're closing doors and selling off the building and another a few miles away so, if I need to see them after May 2024 I have a 12 mile trip to the one only open on limited days. I'm thinking it's not in my interest to remain with them also today they refused my…
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An Archived List of Switching Offers
Welcome to this thread. I have decided to create this thread to provide a continuously updated list of terms and conditions of switching offers as well as the dates they have run for both for ease of reference after they have recently gone NLA and in case anyone is interested in historical switching offers more generally.…
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Ulster Bank BEWARE
Seduced by the promise of a good interest rate, and in the absence of any **warnings** on the comparison websites, I opened an Ulster Bank savings account although the process was far more labyrinthine than it usually is when opening an account. I paid quite a lot of money into it. The paying-in process was very easy. TOO…
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Revolut transfer
I would like to transfer some money to my grandson’s Revolut account for his birthday – hopefully without charge from my credit card or bank account. A bit clueless as to how to go about this so would appreciate any help please.?