Lloyds Bank Deals & Sales for 2016 - HotUKDeals
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Lloyds Bank Deals & Discounts

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80

Potentially Approx Free £10 for Lloyds Customer with Everyday Offers

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Just saw 10% cashback for Morrisons pop up on the everyday offers on my Lloyds account. Hope it's the same for everyone else. The easiest way to get some cashback is to go to Morrisons and buy the…
NomiKaay Avatar7m, 1w agoFound 7 months, 1 week ago7 Comments
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NomiKaay
maani12
I got 10% last year but only 5% cashback this year with morrisons using my lloyds debit card.
Only allowed 50 pounds cashback at my local


Worth a try doing it twice. Worst case scenario, you end up with only 5% rather than 10%.


​Unfortunately it was only a one time transaction offer with limit of £100 spend but at least £5 cashback on a £102 shopping spend was better than nothing
maani12
I got 10% last year but only 5% cashback this year with morrisons using my lloyds debit card.
Only allowed 50 pounds cashback at my local


Worth a try doing it twice. Worst case scenario, you end up with only 5% rather than 10%.
I got 10% last year but only 5% cashback this year with morrisons using my lloyds debit card.
Only allowed 50 pounds cashback at my local
I only have £5 cashback on a minimum £50 basket. Heat enough for me! :)
Must be selected accounts, no Morrisons on mine.
85

Lloyds car finance PCP APR 4.2%

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OK, so for Lloyds customers they are now offering car finance & I saved a reasonable amount rather than going through the dealer. My A.P.R with Lloyds was 4.2% as opposed to 10.9% with the dealer.
humphmeister Avatar8m, 2w agoFound 8 months, 2 weeks ago19 Comments
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So it's basically cost you £1000 over 4 years to buy a car that you could sell or keep at anytime. With the peace of mind you have a dealership & bank to contact should you have any problems.

Seems hot to me!!
Here are the full numbers:
Finance option: Flex Car Finance

Price of car: £11,949.00

Deposit: £3,500.00

Amount of credit: £8,449.00

APR:4.1%

Term: 48 months


Monthly repayment: £128.31

Final lump sum payment: £3,380.00

Purchase fee: £10.00

Total repayable: £9,410.57
Yes, there are lots of different options. I know, as I have spent weeks deciding what to do. I decided to go the PCP route as it suited me & thats why I posted the deal in the hope it would help someone. I may decide to make the final payment, I like that I have the option.

I did look at PCH but as soon as you increase the mileage ( I need 17,000) the price goes up considerably.

Up to you how you fund your car but if this saves someone from taking a PCP deal at higher rates with a main dealer then object achieved. 8)
humphmeister
toonarmani
humphmeister
toonarmani
goldy12
Unlike a personal loan, with these finance agreements you don't actually own the car outright until the final payment has been made. The bank actually loans the money against the car, which may be good if you unfortunately have a problem with the car afterwards as you can actually refer the problem to the bank to deal with.
I took out an Halifax agreement last year and it was approved online in a matter of minutes, payment was made to the dealer within the hour, rate was lower than the dealership, a lot less paperwork, and the overall process seemed much simpler and quicker than a personal loan. Liked the fact in particular that there was another person to go too should I have any problems with the purchase, however I didn't , but worth an extra 1% or so to me just for that peace of mind.
Payment is made direct to the Dealership,
From Lloyds Web Site;
What is Satisfactory Quality?
By law, goods sold must be of satisfactory quality and fit for the purpose for which they were intended. We are responsible for the quality of the goods and resolving any disputes where the goods aren’t of the required standard.
Just get a personal loan on a cheaper rate e.g. 3.3% at high-street bank and pay on your card and you're still covered by the bank should there be any unforeseen issues?
Not sure why this is considered a deal when the APR is higher than elsewhere.. :|
toonarmani
goldy12
Unlike a personal loan, with these finance agreements you don't actually own the car outright until the final payment has been made. The bank actually loans the money against the car, which may be good if you unfortunately have a problem with the car afterwards as you can actually refer the problem to the bank to deal with.
I took out an Halifax agreement last year and it was approved online in a matter of minutes, payment was made to the dealer within the hour, rate was lower than the dealership, a lot less paperwork, and the overall process seemed much simpler and quicker than a personal loan. Liked the fact in particular that there was another person to go too should I have any problems with the purchase, however I didn't , but worth an extra 1% or so to me just for that peace of mind.
Payment is made direct to the Dealership,
From Lloyds Web Site;
What is Satisfactory Quality?
By law, goods sold must be of satisfactory quality and fit for the purpose for which they were intended. We are responsible for the quality of the goods and resolving any disputes where the goods aren’t of the required standard.
Just get a personal loan on a cheaper rate e.g. 3.3% at high-street bank and pay on your card and you're still covered by the bank should there be any unforeseen issues?
Not sure why this is considered a deal when the APR is higher than elsewhere.. :|
Depends what your circumstances are. Taking a personal loan over a PCP increases your monthly repayment.
Can you clarify your calculations in the OP? or am I missing something?
Purchase price of £11,949
Deposit £3,500
Term 48 months
Dealer monthly cost £156.63 (x48 payments is £7518 + £3500 deposit leaves £930 short of purchase price?)
Lloyds monthly cost £128 (x48 payments is £6144 + £3500 deposit leaves £2305 short of purchase price?)
******
Whereas personal loan (3.3%) over 48 months would be £187.95 per month + £3500 deposit = £11949
£9021.70 total cost of loan (only £572.70 interest over 4 years)
******
I think you are missing something; the difference between a PCP deal & a loan. A PCP deal still requires a final payment to clear the finance or roll it over to another deal. You have just proved my point that taking a personal loan increases the monthly payment to £187.95 p.m as opposed to £128 p.m with the Lloyds PCP deal.

Your loan would cost approx £2,847 more over the 48 months but have no final balance to pay. I would have a final balance to pay of approx £3,300 if I wanted to keep the car.


​but if you've no interest in owning the car at the end you could lease one a lot cheaper and save your £3500 deposit and have a cheaper monthly payment.
This is what I feel is a good PCP deal & doesn't tie you to the dealer's higher rates
68

20/15/10% Cashback @ Sizzling Pubs/Ember Inns/Harvester/Crown Carveries/Vintage Inns/Toby Carvery. Lloyds customers

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Just a heads up for Lloyds current account customers, checked my current account and there's lots of decent cashback offers at the moment for pub meals, so can be used with the existing offers on here…
Roger_Irrelevant Avatar10m, 2w agoFound 10 months, 2 weeks ago5 Comments
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Also, when you pay your bill you get a £5 off £25 voucher. So, as you get shown to a table, you can put drinks on the tab. £25 of food and drink, £5 off, then 20% back so £16 for £25 worth of food/drink. :) And unlimited 'salad' :p
FYI
AA Members (Check your email) get 20% on all of those, plus O'neill's and Miller and Carter.
Delboyrob
How does this work?

You pay for your meal with your Lloyds debit/credit card. Lloyds detect you have done so, and give you e.g. 20% back of what you paid at the end of the month.

In theory you could take a load of your mates out, collect the money for food then pay on your card, if the bill comes to say £60 you'd pocket £12. :)
How does this work?
But nothing off the best pub chain beefeater, just all the cheap quality pub food
15Expired

7% off next purchase at Sainsburys with Lloyds Everyday offers (invite only)

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Good deal if you have a Lloyds bank account and shop at Sainsburys. 7%off your next purchase at Sainsburys with Lloyds Everyday offers just log onto your Lloyds account and activate under everyday off…
adamh87 Avatar1y, 2m agoFound 1 year, 2 months ago6 Comments
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Don't forget to get cashback lloyds only see's a total amount spent and pay's 7% on all of it
Thank you! I have this offer and wouldn't have checked if I hadn't spotted it here. Heated added :)
I got 10% with BofS last night
Everyone has different offers - all mine seem to relate to expensive shops I'd never set foot in :-)
5% at Halifax extras for me currently, for info.
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-90

Lloyds Bank Credit Card All Rounder

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I was looking for a credit card that had a bit of both on it (transfer and purchases) and this one seemed like a hot deal to me No annual fee 0% on purchases for 19 months And 0% on balance t…
weenshukd Avatar1y, 4m agoFound 1 year, 4 months ago1 Comment
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anyone care to share why this cold please?
57

Lloyds Bank Platinum Credit Card 32 Month Balance Transfer with 1.69% fee @ Lloyds Bank

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As the battle goes on for Credit Cards Lloyds Bank have brought out their lowest balance transfer fee one at 1.69% for 32 months ( 2 years 8 months ) 0% interest on balance transfers Get up to 32
cliosport65 Avatar1y, 5m agoFound 1 year, 5 months agoAdd Comment
34

5% off Argos when paying with Lloyds Debit Card and other exclusive offers

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Came across this the other day whilst logged into my Lloyds online account. On the right-hand side there is an offers section. You will see a fair number of offers, some of which will be of interest,
Stendhal Avatar1y, 6m agoFound 1 year, 6 months ago6 Comments
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Stendhal
Dilbert
Stendhal
wesleyaldred
These are specifically for you, for example I have several live offers all totally different to the ones you mentioned!
Ah, I see. I didn't know that.
Still, it's at least worth the heads up for people who didn't know these offers existed whatsoever!
They are there every time you log in, are mentioned in statements and covered by a regular tv ad campaign (as well as on billboards and bus shelters). If you didn't know about these then someone else should really be handing your money! :)

Never noticed it on login, don't look at statements, don't waste my time watching TV, and don't get the bus :D.

I always find they're a bit obscure and from shops I wouldn't normally go into but if you have a Lloyds Duo credit card look at the Amex Connect site. They tend to be much better deals (I've had £60 back in the last month from there but only £40 in the whole year from Lloyds offers.)
Dilbert
Stendhal
wesleyaldred
These are specifically for you, for example I have several live offers all totally different to the ones you mentioned!
Ah, I see. I didn't know that.
Still, it's at least worth the heads up for people who didn't know these offers existed whatsoever!
They are there every time you log in, are mentioned in statements and covered by a regular tv ad campaign (as well as on billboards and bus shelters). If you didn't know about these then someone else should really be handing your money! :)

Never noticed it on login, don't look at statements, don't waste my time watching TV, and don't get the bus :D.
Stendhal
wesleyaldred
These are specifically for you, for example I have several live offers all totally different to the ones you mentioned!

Ah, I see. I didn't know that.

Still, it's at least worth the heads up for people who didn't know these offers existed whatsoever!

They are there every time you log in, are mentioned in statements and covered by a regular tv ad campaign (as well as on billboards and bus shelters). If you didn't know about these then someone else should really be handing your money! :)
wesleyaldred
These are specifically for you, for example I have several live offers all totally different to the ones you mentioned!

Ah, I see. I didn't know that.

Still, it's at least worth the heads up for people who didn't know these offers existed whatsoever!
These are specifically for you, for example I have several live offers all totally different to the ones you mentioned!
-36Expired

Lloyds Bank Everyday Offers 10% cashback on Waitrose

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Can anyone confirm whether it works with getting cashback and/or buying gift cards in-store? Earn 10% Cashback on your next groceries shop at Waitrose - in store or online at waitrose.com (maximum
tehriddler Avatar1y, 6m agoFound 1 year, 6 months ago13 Comments
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Tehriddler...thanks for the information....jane
[img][/img]
Nanajane
Am assuming that you get the cash back for the spend and that you don't have to replace the money in the account to qualify?
How do you find out if you are eligible for this offer?
Does anyone know long it lasts?
Sorry for all the questions, thanks Jane
It's back again, this time for 5%. Lloyds will detect the transaction in the statement and pay the cash back to you the next month.
http://s13.postimg.org/sn7ek4bvr/waitrosecashback.png
Am assuming that you get the cash back for the spend and that you don't have to replace the money in the account to qualify?
How do you find out if you are eligible for this offer?
Does anyone know long it lasts?
Sorry for all the questions, thanks Jane
Youngy
tehriddler
pkempc
The 10% Halifax (Lloyds Bank) offers I get definitely work with cash back at the till. Just buy something for a few pence with your debit card ask for £50 cash back then pay the £50 cash back into your bank account and earn a free fiver!
I wonder how much cash they keep in the till. I'll get a £ 100 John Lewis gift card and £ 100 cashback to max out.
Maximum instore cashback is £50
I didn't dare to spend that much. I bought £ 50 John Lewis gift card and asked for £ 50 cash back at the till.
tehriddler
pkempc
The 10% Halifax (Lloyds Bank) offers I get definitely work with cash back at the till. Just buy something for a few pence with your debit card ask for £50 cash back then pay the £50 cash back into your bank account and earn a free fiver!
I wonder how much cash they keep in the till. I'll get a £ 100 John Lewis gift card and £ 100 cashback to max out.
Maximum instore cashback is £50
-28Expired

10% Cashback from Sainsbury's with Lloyds Everyday Offers

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The Lloyds Everyday Offers (free) must be activated at the bottom right navigation panel. Earn 10% Cashback on your next purchase from Sainsbury's. Save on a wide range of big brands in store and l…
quickchase Avatar1y, 7m agoFound 1 year, 7 months ago11 Comments
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Can you use this voucher for petrol? No mention of exclusions on my lloyds page.
Forgot...but also you have the chance to win back the cost of a debit card usage. Think it's about a 1000 transactions per month that are chosen and paid back to customers.
If you are a Lloyds bank customer and use their internet banking you can register for Everyday Offers. You are then given differing discounts for outlets etc when you use your Lloyds debit or credit card. Discount paid back into your account once used. Different customers get different offers.
I have no idea what this is all about! Does it only apply to Lloyds customers? It's certainly not on my Nat West online account.
Remember the code of conduct. Name calling will attract infractions.
47

Club Lloyds 4% interest current account

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Overall having done some quick checking this is the highest rate of interest for a current account IF you have some cash liquidity. In this case you need £4000 in the account in cash to be at 4% rate…
kinnth Avatar1y, 10m agoFound 1 year, 10 months ago28 Comments
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Found out the Aa version free with my lloyds bank has an associated £80 call out fee per call out, that's more than annual membership, the bank like its traders are trying a fast one, better going with a Spanish bank santander
iand123
kinnth
iand123
Is this a first 12 months of use deal?

No it's a lifetime deal!

Thanks, might be worth a closer look then

Don't believe so, they can lower interest at any time.
kinnth
iand123
Is this a first 12 months of use deal?

No it's a lifetime deal!

Thanks, might be worth a closer look then
Anyone know if you can meet the £1500 monthly funding via standing order?
Comment
af191
kinnth
iand123
Is this a first 12 months of use deal?

No it's a lifetime deal!
how longs a lifetime?


Until your dead I suppose.
-17Expired

Lloyds Bank Mortgage rates as low as 1.44%

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I've just been in to Lloyds Bank to review my mortgage and they are offering deals from as low as 1.64%, but if you are a club lloyds member you can get a further .2% discount meaning a fixed rate of
daddycool1974 Avatar1y, 10m agoFound 1 year, 10 months ago7 Comments
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I've been offered this too in my branch and £500 cashback too to move my mortgage. I have booked an appointment to go through. will let you all know.
Comes up on the link provided. 1.64, 2 year fix, 60 ltv, I assume 2k product fee as only showing 1,99 on my phone.
2yr online fixed LTV 60% shows the lowest rate as 1.94% with a £995 booking fee when I look?

I'm after a 65-70LTV personally but this might be useful to some if we can actually find it...?

Edited By: PR1 on Jan 08, 2015 12:14
Its available online 2 yr fixed rate LTV 60%
Yes, please provide some extra detail...
467Expired

Lloyds Bank Balance Transfer Credit Card 28 months at 0%. Small 1.5% fee. Plus £20 back from Quidco

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28 months balance transfer at 0% 1.5% fee which is about half what others charge for same 0% duration possible £20 cash back from quidco Shared Via The HUKD App For Android.
alan3 Avatar2y, 6d agoFound 2 years, 6 days ago48 Comments
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Has the cashback offer through TCB gone - not showing the 28/12 offer?
My Quidco has tracked fine under 'Lloyds Bank 33/6 Credit Card'
Box
which link in quidco do you use tog et hi to track and show up? i've tried the 7 in there and all bring up different rates and credit cards


it appears to have gone. on my tracking history its called Lloyd's 28/12
which link in quidco do you use tog et hi to track and show up? i've tried the 7 in there and all bring up different rates and credit cards
themadgoose
What a ridiculous world! I've just borrowed money from Lloyds to pay off my Halifax Credit Card so I don't have to dip into my savings which sit accruing 5% interest in TSB.

No wonder the banks are in trouble.


mate, any money you save or borrow always goes into one or other bank account, either borrower's or lender's. The bank uses 90% of that money to lend it again to someone else who once again puts it back into his account, and this cycle continues.

so tell me who the winner is.
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0% balance transfer (with low 1.5% fee) for Long 28 months 0% for purchases for 12 months LLoyds Bank

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Platinum 28 Month Balance Transfer Card Good for: Saving - 0% interest for the first 28 months on balances transferred within the first 90 days after your account is opened. Balance transfer fee
bbhushan83 Avatar2y, 3m agoFound 2 years, 3 months ago25 Comments
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I am Lloyds current account holder and also have there standard credit card, can i apply for this one? anyone know?
You know Foley 2001-uk i had the same problem a few years back , i had money in the bank , a permenent job , went to get a morgage & got knocked bad due to my credit rating as i didnt owe anyone money ..... strange i thought till i done my homework & found out you need a credit rating to get credit
is there any better deals out there than this or is this the best deal going at present
Never ever had issues getting credit from anywhere before....... LLoyds decline my application.....
I've also taken them up on this, after a very very bad experience with Halifax. Absolutely seamless transfer and I got the best interest rate (which surprised me considering my credit score isn't perfect). Think it helped that I have a current account with them though. They're like a completely different bank since the Lloyd's/TSB split. Heat added!
-59Expired

Earn 10% cashback at Morrisons when you pay with your Lloyds debit or credit card

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Great when used in conjunction with the vouchers in todays Sun Newspaper. Earn 10% Cashback at Morrisons on all your purchases until 07/09/2014, maximum total reward £10. Excludes petrol stations &…
Fortune Avatar2y, 3m agoFound 2 years, 3 months ago10 Comments
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nb2508
moneysavingkitten
nb2508
The only supermarket cashback I've only been offered is to shop at waitrose and get 10%, but I doubt that's of any use to people on HUKD!

Looks like Waitrose are doing £30 cashback? So in theory you could buy something small a few times, get cashback and earn £30?

I HIGHLY doubt Lloyd would offer £30 cashback just for buying a few items instore. Not to say you're wrong but I'm assuming that what you read was the maximum cashback you can receive is £30 which would require a £300 spending in waitrose (10%) in order to receive

I noticed webbywebster above said he got the cashback for getting cash out (cashback) at the Morrison's tills. I read the terms a bit more for the Waitrose 10% cashback. It only applies to one transaction, so you would have to spend £300 in one go to get £30. I am guessing you can't get £300 cashback at the tills anyway! I suppose if you got £50 and getting cashback worked there, it would give you a fiver.

Slightly annoying for me, as I did go shopping there today and got cashback before I signed up to the Lloyds scheme. I'm giving up now, I've written cashback far too many times in that paragraph.
moneysavingkitten
nb2508
The only supermarket cashback I've only been offered is to shop at waitrose and get 10%, but I doubt that's of any use to people on HUKD!

Looks like Waitrose are doing £30 cashback? So in theory you could buy something small a few times, get cashback and earn £30?

I HIGHLY doubt Lloyd would offer £30 cashback just for buying a few items instore. Not to say you're wrong but I'm assuming that what you read was the maximum cashback you can receive is £30 which would require a £300 spending in waitrose (10%) in order to receive
I've got this offer, thanks for reminding me :) hot!
nb2508
The only supermarket cashback I've only been offered is to shop at waitrose and get 10%, but I doubt that's of any use to people on HUKD!

Looks like Waitrose are doing £30 cashback? So in theory you could buy something small a few times, get cashback and earn £30?
You need to have internet banking and register for everyday offers which is all completely free.
460Expired

EVERYDAY OFFERS FREE CASHBACK LLOYDS BANKING GROUP

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Everyday offers free cashback. If you are offered any sort of cashback. Ie if you are offerred 10% cashback on a purchase. you do not really have to make a purchase. Just withdraw cashback to the min…
HUSBANDKHAN Avatar2y, 6m agoFound 2 years, 6 months ago53 Comments
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As far as i know it is working. I have just tried it again as morrissons offer keeps on coming up every couple of weeks. If it isnt working with anybody then can they post. What has been changed.
Been offered Morrisons cashback on my current account. Does this trick still work?
I am assuming you can as long as you do not have a withdrawal limit i.e 5 withdrawals per day or something. you can withdraw cashback as many times as you want as long as it is on the same day. As the following day the system will knockout the offer. so if you have a offer of 10% cashback. As long as you withdraw cashback on the same day they should all show.
sounds good.
HUSBANDKHAN
Youngy
szippancs
Shame it will end in 9 days and maximum total reward £10.:(


Has been readded, expiring end of June - still £10 max. So just go twice and get £50 cashback each time
.

It pays once. So get £50 cashback and then buy something for the other £50 and return it once the cashback shows.


Not sure what you mean, I went twice in the last offer. First time sandwich with £50 cashback = £5 from Lloyds, second visit exactly the same. I received £10 total
49Expired

Morrison 10% cashback - Lloyds bank everyday offer (need Activation in Internet banking)

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I need to activate "everyday offer" for my lloyds bank's card, should be available for all on credit / debit card. Verbatim copy from internet banking. "Earn 10% Cashback at Morrisons on all yo…
kpsagon Avatar2y, 7m agoFound 2 years, 7 months ago10 Comments
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I only got 5%. I'm yet to use any of the offers they give me.
I get one percent off everything everywhere with my Amex card, and have for years. Some small businesses won't take it, but all the supermarkets and petrol stations do, and I use it when paying through paypal.
Mine actually is offering 15% maximum of £15 cashback until the 18th May
My cashback offers have been terrible. Still hoping for Morrisons cashback to appear, so congrats if you get this :)
I've had this activated for the last 3 months. not 1 cash back received. #naff
53Expired

Lloyd's credit card 0% for 24 months

3
Not as long a term as the current barclaycard deal but the balance transfer fee is lower at only 1.5%. Good card for paying off existing debts to save yourself interest on your payments.
adamski1984 Avatar2y, 7m agoFound 2 years, 7 months ago3 Comments
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Do u not need to earn a reasonably good wage before being accepted for a platinum card?
Very good.
Sorry meant to say that it includes 3 months 0% on purchases as well from when you take the cars out
345Expired

New Lloyds Current Account (Club Lloyds) launching 31 March; 4% AER (Tiered) on up to £5000; access to 4% Regular Saver; 0.2% discount on mortgage; plus additional choice of benefit

88
Interesting new current account launching soon from Lloyds with additional benefits. Won't be for everyone (for many people TSB Plus will be better instead) but for people chasing rates, this will be
BustaLinx Avatar2y, 8m agoFound 2 years, 8 months ago88 Comments
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ukscoob 1 and encoding
Yesterday I read 31 pages on MSE which was only half the club lloyds thread from 2014 I have yet to read up another 30pages to 2016 .
So hope I can save anyone doing that and bullet point here.

The bank pushes for new money or wants you to believe £1500 must come from elsewhere but internal transfers in and out in minutes (as with Halifax reward fivers ) are working fine .
It makes sense as Halifax is same system type as lloyds ?

The two DDebits trigger the interest so must go out monthly (as with Halifax fivers.)
The internal or external £1500 credit...... or non credit triggers the monthly £5 fee .


Fairly confident I am on track now for September interest and non payment of the £5 fee
Good to know. Sorry for the misinformation. Always thought it had to be 'new money' as it seems silly for it not to be. win for us is seems haha.
Internal transfers do work for Lloyds. I do it myself. £1500 transferred to my savings account, and within minutes transferred back. Fulfills the conditions for interest paid and no monthly account fee.
On the moneysavingexpert site after going through three threads (the last was 20+ pages) and they are saying any internal Lloyds account transfers will suffice for te £1500 credit so you wont be charged £5 .
ukscoob 1
Thanks for the reply and help .
I just opened a club account and the bank staff are saying a lloyds internal transfer is ok because any credit of £1500 shown on the club account will work in practise ?
Cant say I ever rely on bank staff info but this time I was hopefull so moved £1500 from my club too my internet saver ac then back to club again in seconds online.

Your saying this will fail from experience or otherwise??

Have you tried a internal transfer and failed to get interest in the past ?

I had a look online but couldn't find any club Lloyds £1500 work around info although its bound to be on moneysaving expert somewhere ?
With Halifax £750 is easily bounced momentarily from my £1000 overdraft account into other reward accounts for the free fivers as I don't ever have any money in the account .
47Expired

Lloyds bank childrens saving account 3.00% Interest

11
Childrens saving account available at the branch if you have a current account with them paying 3% interest. Shared Via The HUKD App For Android.
Becca Avatar2y, 8m agoFound 2 years, 8 months ago11 Comments
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eslick
dbhoy
eslick
dbhoy
eslick
Halifax regular saver is a better deal, more examples

http://www.moneysavingexpert.com/savings/child-savings-tax-free


dbhoy
Moved to freebies and fixed title.

Why move to freebies only free if you don't put money in it :)

Do you need to pay to open the account?

Yes if you don't put money in you can't open an account

You can't put money in an unopened account, thus being free to open the account...

No sorry you are wrong, to open any account you have to put money into it or it can't be opened, it might not be paying for it but no money no account . You probably won't agree with me but searching finds loads of accounts in deals.

Have a good night

Have made bold the part where I rest my case, therefore this will remain in freebies, I'll have a great night thanks, make sure you do too.
dbhoy
eslick
dbhoy
eslick
Halifax regular saver is a better deal, more examples

http://www.moneysavingexpert.com/savings/child-savings-tax-free


dbhoy
Moved to freebies and fixed title.

Why move to freebies only free if you don't put money in it :)

Do you need to pay to open the account?

Yes if you don't put money in you can't open an account

You can't put money in an unopened account, thus being free to open the account...

No sorry you are wrong, to open any account you have to put money into it or it can't be opened, it might not be paying for it but no money no account . You probably won't agree with me but searching finds loads of accounts in deals.

Have a good night
I did look at the Halifax regular saver, but with all the restrictions you would get £4 more interest over a year for the maximum amount you can put in, (assuming I did my sums right ) it didn't seem worth the aggravation to me.
eslick
dbhoy
eslick
Halifax regular saver is a better deal, more examples

http://www.moneysavingexpert.com/savings/child-savings-tax-free


dbhoy
Moved to freebies and fixed title.

Why move to freebies only free if you don't put money in it :)

Do you need to pay to open the account?

Yes if you don't put money in you can't open an account

You can't put money in an unopened account, thus being free to open the account...
dbhoy
eslick
Halifax regular saver is a better deal, more examples

http://www.moneysavingexpert.com/savings/child-savings-tax-free


dbhoy
Moved to freebies and fixed title.

Why move to freebies only free if you don't put money in it :)

Do you need to pay to open the account?

Yes if you don't put money in you can't open an account, need to put in a £1

Edited By: eslick on Mar 19, 2014 19:37
-253Expired

Spend £7,000.00 in 12 months using Lloyds TSB American Express card and get upgraded on BA flight

13
For Avios hunters! ***** Collect Avios 5 times faster with 1.25 Avios for every £1 of eligible spend1 on the Lloyds Bank Avios Rewards American Express® Card. Collect double Avios on eligible s…
donquixote Avatar2y, 8m agoFound 2 years, 8 months ago13 Comments
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czechoslovakia
Might be worth mentioning this is for Lloyds Bank, not TSB, or the bank formerly known as Lloyds TSB, the bank that likes to say "yes".

My Avios cards are just TSB.
We generally use two CC, Sainsburys Nectar and Amex to live on each month for everything and then clear the balance and start again.

Been using Sainsburys ever since the Nectar scheme started, last year in November we cashed in £250. Started again in January this year and already have £60 in Nectar points (thats less than 3 months).

If we can keep up with £60 in points every 3 months, we should have around the same end of this year 2014.
Might be worth mentioning this is for Lloyds Bank, not TSB, or the bank formerly known as Lloyds TSB, the bank that likes to say "yes".
Just to clear something up! They are not offering an upgrade to "FIRST".

BA have seats on most long haul flights that have "FIRST" and this is a super expensive service its about £9K from LHR to NYC in FIRST.

They are offering an upgrade to Club World, which is at the mortal end of premium.

Don't do this offer if you think you are going to get FIRST you might be disappointed!

Further still, getting to Club World upgrade is not that cheap, World Traveller Plus is bit to pricey and most will use Avios to go from World Traveller to WTP. So you would have to buy an over the odds ticket anyway.

A nice bonus but I am not sure how many people it will satisfy.

Edited By: groenleader on Mar 13, 2014 15:25
bouncy99
never considered that, however this hasnt met with a very warm reception, clearly an upgrade on a flight must be pants.

I'd rather have the cashback than an upgrade too. Even wealthy people I know rarely fly business class unless a company is footing the bill. However they do pay extra for leg room.