Meet the Other Phone. Flexible and made to last.

Meet the Other Phone.
Flexible and made to last.

Buy now

Please or to access all these features

Chat

Join the discussion and chat with other Mumsnetters about everyday life, relationships and parenting.

Changing Banks - who to advise?

21 replies

PandorasSockBox · 13/01/2026 07:42

I will be changing banks in the next couple of months. I have written a list of people to advise about the new account, but need a sense check, in case I have forgotten anyone.
I do not have any subscriptions like Netflix and my credit cards will not be affected as they both expire soon and will not be renewed under the current terms.
So far I have come up with:
Utilities:
Gas
Electricity
Water
Rubbish Collection
Internet
Mobile Phone
Land Tax

Insurance:
Car
Health
Building
House Contents

Miscelleneous:
PayPal
Amazon

Money:
Pension - Widow's
Pension - Other

OP posts:
CeeceeBloomingdale · 13/01/2026 07:45

Your employer if you earn a wage and want it paid into that account.

RampantIvy · 13/01/2026 07:50

What regular payments have gone out of your bank account over the last few months?

Are you not in the UK - land tax and rubbish collection are covered by council tax here.

Water supply and sewage
TV licence?
Fitness classes subscription
Sports/hobby subscription

TragicMuse · 13/01/2026 07:52

Any subscriptions - eg Netflix, magazines, beauty boxes etc
the AA or other breakdown services
council tax
tv licensing
memberships eg gym, cinema
food delivery services if you use them
all regular shopping websites inc Vinted, eBay etc
online supermarket shopping

Interested in this thread?

Then you might like threads about this subject:

Thewardrobehashangersin · 13/01/2026 07:53

Have you thought about using the switch service? it let's everyone know and often you can get a good cashback offer too.
If you look on martin lewis website he explains it and has a list of the latest deals and links.
I switch once a year to get a good deal. Just switched to nationwide from Lloyd's. I'd recommend both as they were easy to switch and good to bank with.

PandorasSockBox · 13/01/2026 07:54

@CeeceeBloomingdale Not employed. Only regular income from pension.
@RampantIvy Good call on tv licence, had forgotten that as do not watch tv.
Water already covered. Do not have any subscriptions and yes, not in UK.

OP posts:
PandorasSockBox · 13/01/2026 07:59

Not in UK so no online food delivery, lol!
@TragicMuse Good call on AA equivalent! Most online shopping done via PayPal.
@Thewardrobehashangersin Not in UK so no switch services or cashback on anything, unfortunately.

OP posts:
TragicMuse · 13/01/2026 08:11

Travel card or season tickets?
parking fees or apps?

Ginmonkeyagain · 13/01/2026 09:08

Any reason why you are not using the Current Account Switch Service that will do all of that for you?

sharkyroy · 13/01/2026 09:11

Ginmonkeyagain · 13/01/2026 09:08

Any reason why you are not using the Current Account Switch Service that will do all of that for you?

This, there is no way I would be doing all this when the bank can sort it for you

sharkyroy · 13/01/2026 09:12

Though if you do want to do it one by one yourself just look at your outgoing payments on your bank statements?

Bjorkdidit · 13/01/2026 09:13

Does 'pension other' cover the state pension if you receive it?

Have you gone through your online account to see all the standing orders, direct debits, regular transactions and any payments you might receive? Eg if any of your friends or family send you money, they might have your account saved in their payments list.

Is there no switching service/Moneysaving Expert equivalent where you live, where this is all handled for you and good advice available to work from?

Are you able to keep the old account open for a year or two just in case anything pops up that you might have forgotten?

Marmite27 · 13/01/2026 09:14

sharkyroy · 13/01/2026 09:11

This, there is no way I would be doing all this when the bank can sort it for you

OP is not in the UK, CASS may not be available in her locale.

Ginmonkeyagain · 13/01/2026 09:26

Ahh I hadn't see that the OP is not in the UK. CASS is great and really takes the ballache out of switching bank accounts.

RosesAndHellebores · 13/01/2026 09:27

@PandorasSockBox I did this 15 or so years ago when I had had enough of poor service from a bank that was miles away having closed a locallish branch (still a 20 minute drive).

I got the bank to give me a print out of all dd's and so's out and all dd's and so's in.

I decided there was too much faff involved, so added up the value of outgoings, arranged for my new salary to be paid into the new bank as well as other inwards transfers (half a dozen). Then arranged a monthly transfer to to the old bank to cover the dd's and so's. They had provided me with poor service for a decade and my view was that they could do the legwork without holding my reserves.

New arrangements go through the "new" bank account. The old arrangements have diminished by attrition. The old account now serves as my "car" account largely. Enough builds up in there to cover insurance/servicing, etc, and the road tax is still paid from it. Every so often enough builds up for shoes and bags Wink

BadgernTheGarden · 13/01/2026 09:35

If they use the current account switch service everything should be transferred for you, direct debits, regular payments and salary, etc. Obviously check that it all works.

Edit: Ask your new bank what will be transferred automatically when you apply.

Samewrinklesnewname · 13/01/2026 09:42

BadgernTheGarden · 13/01/2026 09:35

If they use the current account switch service everything should be transferred for you, direct debits, regular payments and salary, etc. Obviously check that it all works.

Edit: Ask your new bank what will be transferred automatically when you apply.

Edited

This! I changed banks last year and other than my employer, it was all switched over seamlessly

sharkyroy · 13/01/2026 09:49

Marmite27 · 13/01/2026 09:14

OP is not in the UK, CASS may not be available in her locale.

Ooops I missed that completely

PandorasSockBox · 13/01/2026 10:02

As far as I am aware there is no switching service and I need to catch all DDs in advance, otherwise companies and services charge me extra for not paying up on time.

OP posts:
CeeceeBloomingdale · 13/01/2026 21:57

PandorasSockBox · 13/01/2026 07:54

@CeeceeBloomingdale Not employed. Only regular income from pension.
@RampantIvy Good call on tv licence, had forgotten that as do not watch tv.
Water already covered. Do not have any subscriptions and yes, not in UK.

You've edited to add your pension, there was originally no income listed when I posted.

Surely it's just a case of checking your statement for the transactions that come out monthly. Can you see planned regular payments in your banking app?

As you're not in the UK most of us are only guessing at what local charges might apply. Is it possible to keep this account open for a while concurrently with the new account to catch anything you might have missed? Just leave a float of money in it just in case.

Gentlydoesit2 · 13/01/2026 21:58

PandorasSockBox · 13/01/2026 07:54

@CeeceeBloomingdale Not employed. Only regular income from pension.
@RampantIvy Good call on tv licence, had forgotten that as do not watch tv.
Water already covered. Do not have any subscriptions and yes, not in UK.

If you don't watch TV, you don't need a.tv licence

PandorasSockBox · 14/01/2026 10:15

@Gentlydoesit2 Well in the UK you may not, but I still need one, possibly at a lower rate, for my car radio.

OP posts:
New posts on this thread. Refresh page
Swipe left for the next trending thread