How much money could disappear from your bank account without you noticing?

[NW3Lady]

I’m genuinely curious. How much money would have to disappear for you to notice?

1p, I'm poor and budget within an inch of my life so I would notice anything.

Not much from my current account, I only keep my allocated spending money for the month in there. I’d probably not notice up to £100 but anything more I would.

I'd notice any incorrect payment, but only when I got my bank statement...

About 10p

None. I spotted a fraud of £29.99 the day it happened! It turned out to have been set up as a fraudulent monthly subscription, so lucky I queried it with the bank, who blocked the payment straight away.

I’m usually aware of the rough amount in there and look daily so I’d notice pretty quickly.

1 p here. I get instant notifications of any transactions to or from my accounts.

Nothing. I keep a close eye on my account these days. Online banking makes it so much easier.

I'm getting better at not buying any old thing on Amazon. Mostly 🙄

I check my bank accounts every morning. Everything is so tightly balanced that I would notice instantly.

Nothing. Although when we lived in overdraft I lost £1000s as never checked the account.

Maybe like £50 in main account. A few grand would take me to notice in my savers as I don’t check there as often.

Probably up to a fiver. I have very good knowledge of where and how much money I have.

I would notice straight away - I check my bank accounts and credit card apps every day.

None because I have Monzo. It's brilliant and I cannot recommend it enough.

£5 million because then I'd be overdrawn.

I look at my app most days, so whilst I don’t know my balance, I would recognise a wrong transaction.

None. As others I check regularly and always have a pretty accurate idea of how much is in there.

I used to have an offset interest only mortgage, so the current accounts were building up the funds to pay it off. Tens of thousands in there, and I regularly moved money in and out to isas and to pay off 0% credit cards when the time was up so basically I knew the balance to within 10k or so.

Not paying enough attention but was also not willing to spend the time tracking it.

Depends on the time of month! I guess just after payday I could fail to spot £100-200 going out and assume there was some reason, towards the end I'd probably notice anything over £100

None. I watch it like a hawk!

Credit card probably a couple hundred
current account around £70

Nothing. I get instant notifications via my app to my phone any time any money comes out.

If your banking app offers this I highly recommend it.

I use Monzo and track daily. Habit learned when there was always more month than money and now that I'm in the fortunate position of being more comfortable I've just kept it up - it doesn't feel like a bad thing to be doing.

£0. A transaction for £1.14 which I didn’t recognise appeared on my account app on Thursday morning and I was onto it like a shot. I immediately reported it as a fraudulent transaction. The bank were excellent and had it removed within hours.

I have many, many faults, but being careless with my hard-earned money is NOT one of them. That’s what growing up poor does for you.

Probably £0, I tend to check my accounts every couple of days, no excuse not to really as it's all on my phone.