More ways to help manage your money

Whatever your circumstances, it’s always a good idea to review your finances and see where you can make changes. Making small savings and reducing unnecessary costs now can make a big difference over time.

Our branch colleagues have answered some of their most asked questions. Watch the video below to hear more about managing your money.

Day- to-day budgeting

Improving your day to day budgeting video


Budgeting doesn’t have to be stressful. Find out more about the ways you could make things more manageable with a few simple changes. These include reviewing your direct debits, using comparison sites, and reducing unnecessary costs. You can also use our handy budget calculator to help you stay on track.

Review household bills

Review all your utility bills and check whether you could get a better deal if you switch your energy or broadband supplier. Our Mobile Banking app customers can review standing orders and direct debits as well as reviewing all outgoings using our spending insights tool. Simply click on the options button next to your bank account and select ‘spending insights’.

If you are struggling to pay your utility bills your provider may be able to support you. Please contact them to see how they might be able to help.

Check and review your insurance

Check whether you have insurance that could cover your mortgage, loan or credit card payments or replace some of your income. These policies include: Payment Protection Insurance; accident, sickness and unemployment insurance; and income protection. They may have been offered with life assurance policies or when you took out your mortgage, card or loan.

You may also want to think about your car insurance renewal. If you are no longer using your car for work, you may also be able to reduce your car insurance premium if you remove ‘commuting use’ from your policy.

Speak to your loan, credit card or car finance providers

If you’re worried about missing a credit card, loan or car finance repayment, contact your finance provider before it happens. If you have a loan or credit card with us, explore our support options.

Please also visit our money worries page for more tips and advice to help you stay on top of your finances. Additionally, the Money Navigator Tool on MoneyHelper also gives instant help based on your circumstances.

Watch out for scams

People are using coronavirus to try new scams. Remember, we’ll never call, text or email to ask you to move money, or for your banking details. And we’ll never send a link for you to sign in or give your personal details. When you shop online, it’s best to pay by card – that way you protect your cash. You can find more details on how to stay safe from scams on our Fraud Hub.