MoneySaving Polls Results Archive

When did you last use your bank branch?
Whether it’s down to customer behaviour, cost-cutting or both, banks are closing branches left, right and centre – in fact, 100s of branches have been shutting their doors every year. So this week we wanted to know when you last used your main bank's branch. We last did this poll 18 months ago - so let's see if things have changed. Please select ONE option under the relevant category:

Do you use credit cards?
Credit cards are like fire. Used right and they're a useful tool, but get it wrong and they burn. So this week, we want to know if you have a credit card and if you do, how much debt – at 0% or otherwise – do you have on it? Please tell us your credit card balance under the relevant category.

The Annual Census
So who are MoneySavers? For the sixth year running, rather than data-mining, we reckon the politest way to find out is just to ask. Plus we think you may like to find out a little bit more about who else uses this site (or more accurately, who uses this site and answers the polls). Welcome to the sixth annual MSE census. Please answer the following 11 questions.

Are you an app, web, or branch banker?
Bank branches are closing and the digital revolution is taking over – not just online, but now with a host of app-based banks too. We wanted to find out how you access your bank and whether it depends on your age. Please select the way you MOST COMMONLY interact with your bank.

Which stores do you LOVE or LOATHE?
Retailers love us to have a relationship with them. Indeed, many feel an almost intimate connection with some brands, but wouldn't be seen dead crossing others' thresholds. So let's see… Please pick up to FIVE that you love and up to FIVE that you loathe...

Are you allowed to buy cheap school uniforms?
Buying new school uniform can be a costly exercise – especially if your child has to wear pricey branded items. So does your child's school let you buy from supermarkets, or are you restricted to a specific shop? Which of these is closest to your situation? You can vote in each category if you've got children in different schools.

Should the contactless spending limit be increased?
Two in five debit card payments were made using contactless last year. Yet at the moment, the maximum amount you can spend using contactless is just £30 (barring some using Apple Pay), which is done to cap spending if someone takes your card. While of course it'd be nice if limits could be personalised, if not, where would you say it should be set?

How much are you worth (or do you owe)?
So are we a nation of savers or debtors? Take any unsecured debt (ie, EXCLUDING ANY MORTGAGE/STUDENT LOAN) away from any savings and where do you end up? Whether you've "net worth" or "net debt", pick your relevant option:

How do you rate your bank account's service?
Every six months, we ask for your help to track the quality of customer service provided by banks. By comparing your answers with last time, we can see which have got better or worse. So, please vote based on CUSTOMER SERVICE for your main CURRENT account over the last SIX MONTHS. Ignore rates or any other products, and service if it's more than six months old.

How do you rate your broadband provider?
We can tell you which are the cheapest broadband providers, but to keep our customer service ratings updated, we need your help. Please rate your BROADBAND provider on customer service (not price) over the past SIX MONTHS. Switched broadband recently? Rate the provider you were with the longest over the last SIX MONTHS.

How do you spend when abroad?
It’s peak summer, so time for a question we ask every year… if and when you travel abroad, how do you usually spend? For how we think it’s cheapest, see Travel Credit Cards. If you use a combination of methods, pick the one you use most often…

How much of your shopping is now online?
Earlier this year, a committee of MPs warned that city centres are in danger of becoming 'ghost towns' due to the success of online retailers. So how many of you still shop in stores vs online? (Count click-and-collect as online shopping.) Please select one option CLOSEST to your view, EXCLUDING GROCERIES AND BIG ONE-OFFS (such as cars or holidays).

What should be means-tested? Free bus passes, the NHS, student loans?
Which of the following allowances and entitlements do you think should be means-tested based on your income/wealth – in other words the richest don’t get it or get less. And which do you think everyone should get regardless?

Have you been scammed & did you tell anyone?
This week two major new anti-scam ads initiatives launched on the back of Martin’s lawsuit against Facebook. Scams are getting more professional, from phone calls pretending to be from banks to scam ads online. Have you been a victim and if so did you declare it? Which of these is CLOSEST to your situation?

Where are you going on holiday this summer (if at all)?
The big summer getaway is on. So what are your plans? Please select one option CLOSEST to your situation (if you’ve more than one holiday planned, answer for the main one).

Do you get job satisfaction?
Is there a link, whether positive or negative, between how much you are paid and how much satisfaction your work gives you? Please select one option CLOSEST to your view.

Have you tried to reclaim PPI? And if not, why not?
There are only two months left to reclaim PPI (Reclaim for Free here). So we wanted to test whether you’ve done it, and if not, why not? Please select the option which is CLOSEST to your situation.

Do you have a joint bank account with your partner?
Back in the day, the huge majority of (then married) couples had joint accounts. But what about now? If you're in a couple living together – which of these is CLOSEST to your situation?

How much do you spend on wedding gifts?
There are of course many variables – where the wedding is, what they’ve asked for, whether you’re going to the whole day or just the reception, and your relationship with the couple. Yet if possible please estimate in EVERY category.

How do you rate your bank’s app?
If you access your current account by app, please rate it. Just the app, not the overall bank (if you use more than one app, rate them all). - Features: Does it have more than just basic transactions, eg, budgeting and spending categories - Usability: How easy is it to use? Can you do everything you want via the app?

What do you buy second-hand?
It's cheap, and environmentally friendly, yet some people think only new will do. Please select ALL of the items that you would be happy to buy second-hand, if it was decent quality and cheaper.

How much do you spend on your pet(s) per year?
They may provide love and joy, but keeping a pet doesn't come fur free. Whether you've a Kitty, Rover or Nemo, we want to know how much ewe spend on your pet(s) purr year, including on food, insurance, vet costs, clothes, toys, dog walking, kennels and owt else. Please vote in the relevant categories (or dogegories) depending on the pets you have. If you have more than one of a type, please do the annual cost PER pet.

How do you rate your energy provider’s recent service?
Now it's warmed up, it’s a good time to reappraise what your energy provider's service was like over the winter. Please rate your current supplier's SERVICE (not price) IN THE LAST SIX MONTHS (try to forget issues from before). If you've gas & elec with different firms, rate both. (And while service is important, so too is price - so do a five-min comparison to see if you can save.)

How much time does your personal admin take?
We all have to do it – deal with bills, bank online, book travel and holidays, file letters and receipts, collect vouchers, sort out problems with the home, cope with tax credits and benefits, manage kids' school requests and more. How much time do you spend in a TYPICAL WEEK on personal admin (excluding cleaning your home/gardening)? If you don't do it by the week but save it up, then proportion it as if per week.

Should 1p and 2p pieces be ditched?
A year ago, the Chancellor called 1p and 2p coins obsolete. This week, he'll announce his decision on whether to scrap them (it's expected he won't). The likes of Australia, Canada and Sweden have already ditched their copper equivalents, so should the UK follow suit? Please select one option CLOSEST to your view.