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90
-69

0% for 41 Months on Money Transfer (Bank Account Transfer) & Balance Transfer Credit Card @ Virgin Money

3
£0.00 @ Virgin Money
0% for 41 Months on Money Transfer (Bank Account Transfer) & Balance Transfer Credit Card Transfer fees Balance transfer fee - 3.00% fee Money transfer fee - 3.80% fee @ Virgin Money Read More
0% for 41 Months on Money Transfer (Bank Account Transfer) & Balance Transfer Credit Card Transfer fees Balance transfer fee - 3.00% fee Money transfer fee - 3.80% fee @ Virgin Money
itsvimal Avatar3d, 1h agoFound 3 days, 1 hour ago3 Comments
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signed up last month.

Just FYI.. Their Online Services are basic for now...

and they DO-NOT have an app.... [im looking at changing to another company]
Better than pay day loans plus it is 41 months so more than 3 yrs
this used to be 1.6%. not a great deal at this rate imo, some banks offer sub 3% loans.
352

4% Regular Saver from Ford Money

54
£0.00 @ Ford
Hey gang… I’ve found a great deal for regular savers who want to stash away up to £250 each month. Ford Money’s (yes the car company) has launched two savings products paying 4% interest: •\x09Regu… Read More
Hey gang… I’ve found a great deal for regular savers who want to stash away up to £250 each month. Ford Money’s (yes the car company) has launched two savings products paying 4% interest: •\x09Regu…
writergirl74 Avatar5d, 3h agoFound 5 days, 3 hours ago54 Comments
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ISA regular saver still available, may as well use £3k out of the £20k limit on that
Sold out
Currently unavailable due to big demand.
Applied, have to send identification in the post which is annoying since I've never been asked in years
drmanraj
guys pardon me for my math's. by m I missing a point ( won't 4% of £3000 @ £250 monthly deposit generate £120 as interest on regular saver than mentioned £55 on the website ?l plz explain.

No, because it's not 4% on the entire amount. Divide 4% over the year and it's roughly 0.33% per month. So the first month you'll have £250 in their and earn 0.83p. The second month you'll have £500 and earn £1.66 and so on. Have a look at http://www.moneysavingexpert.com/savings/savings-accounts-best-interest#savingscalculator
1062

£130 switching Bonus with TSB Classic Plus Account + Upto £10 cashback each month +3% on the first £1500 in your account

280
£0.00 @ TSB Bank
New customers switching to TSB's Classic Plus now get £130 to switch to it. Plus, there's also up to £10/mth free cash to be claimed. It pays out £5 every month you have two or more direct debits pa… Read More
New customers switching to TSB's Classic Plus now get £130 to switch to it. Plus, there's also up to £10/mth free cash to be claimed. It pays out £5 every month you have two or more direct debits pa…
vassy1 Avatar6d, 20h agoFound 6 days, 20 hours ago280 Comments
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Just done this, but other than a screenshot i took of the account set up

I have not received a welcome email or anything
When i switched, I got no conformation at all?
No mention of the £130 incentive anywhere.

will give them a call tonight to confirm
Ridgehead
vassy1
Ridgehead
What notice do people get about the switching service being activated? I, and some others. have received no notifications that anythings happening.
If you have filled the switch form they would notify you with the switch info and completion date. If you need some reassurance better to ring the bank.
Think I will. I am sure I saw something on the TSB site that said when it would be completed but no confirmation email. Also no confirmation of the £130 either. I am sure it will all be fine but I wish they would make things clear with notification emails.
You don't get any confirmation for the £130. You do all that it requires for the switch bonus. Then it ll be credited in 28days time frame.
vassy1
Ridgehead
What notice do people get about the switching service being activated? I, and some others. have received no notifications that anythings happening.
If you have filled the switch form they would notify you with the switch info and completion date. If you need some reassurance better to ring the bank.

Think I will. I am sure I saw something on the TSB site that said when it would be completed but no confirmation email. Also no confirmation of the £130 either. I am sure it will all be fine but I wish they would make things clear with notification emails.


Edited By: Ridgehead on May 22, 2017 23:55
Ridgehead
What notice do people get about the switching service being activated? I, and some others. have received no notifications that anythings happening.
If you have filled the switch form they would notify you with the switch info and completion date. If you need some reassurance better to ring the bank.
Level777Boss
I have a direct debit set up to pay off my credit card, which I use sparingly. Does this count towards the 2 direct debit requirement?
Ye it will be.
225

Nationwide Flex Direct Current Account 5% on £2.5k for 12 months

46
£0.00 @ Nationwide Building Society
The FlexDirect account could be right for you if you're after an account that pays you interest when you have money in your account and you prefer to do your banking online or over the phone. It also Read More
The FlexDirect account could be right for you if you're after an account that pays you interest when you have money in your account and you prefer to do your banking online or over the phone. It also
shyamganatra Avatar2w, 20h agoFound 2 weeks, 20 hours ago46 Comments
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I can refer but also split my half of the bonus as well if anyone wishes to pm
Agreed, worth it for mobile insurance alone, plus unlike Barclays you don't even have to name devices, rest is a bonus.
medic
No complaints at all about Nationwide. Excellent account, especially the flex plus account. The interest on that one almost pays for the £10 monthly fee which provides mobile phone insurance, car breakdown and annual worldwide travel insurance.
Happy to refer anyone, just PM me
Happy to refer someone too.
First I need a few details about the person I refer and after 1 or 2 days I receive an e-mail from nationwide which confirms the referred person. After that the person can sign up online on nationwide website for a current account switch. you also must have 2 direct debits active on your current account.

Edited By: alexx_jmss on May 12, 2017 00:24
When you do a refer do you have to click on an email link or can you just go. Ahead and sig up
-166

Halifax offering £75.00 to switch current account

8
£75.00 @ halifax bank
Halifax is offering £75 cashback to switch accounts. Login online banking.you should see the message below: £75 FOR SWITCHING? YES, PLEASE Switch your current account to us using our Current Ac… Read More
Halifax is offering £75 cashback to switch accounts. Login online banking.you should see the message below: £75 FOR SWITCHING? YES, PLEASE Switch your current account to us using our Current Ac…
secretiveboss Avatar3w, 1d agoFound 3 weeks, 1 day ago8 Comments
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LOL
halifax switching is really easy. the reward was given even before the switch was complete. Have a decent mobile app. I found the bank prompt. Money payments are instant, as they use faster payments.
System down....no not more hacked customers....or they're just hacked off.....Banks can't live with or without ;)
After all the press with the system issues.... no thanks
ronnie_e
Its actually a reduction from £100, prior to that £125. I suppose finding reductions is what this site is about...?


Will soon be back up again as they try to recover from having their systems down all of yesterday
376

£185 M&S vouchers for switching current accounts

20
£0.00 @ Marks & Spencer Bank
M&S Bank has upped its switching incentive for new current account customers. People switching their current account to M&S can now get a £125 M&S gift card plus £5 a month gift card t… Read More
M&S Bank has upped its switching incentive for new current account customers. People switching their current account to M&S can now get a £125 M&S gift card plus £5 a month gift card t…
writergirl74 Avatar3w, 4d agoFound 3 weeks, 4 days ago20 Comments
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browntoa
they are extremely picky about who they take as customers , expect multiple requests for you to ring them and send in ID . but you do get there in the end . Nice friendly UK call centres


true. they refused me because I only work part time :p
they are extremely picky about who they take as customers , expect multiple requests for you to ring them and send in ID . but you do get there in the end . Nice friendly UK call centres
defgimp
Can you switch to this account and then switch elsewhere when you've got the £125, ignoring the fiver a month or do you sign up for a year?


You can go once you have the £125.
since switching I've not yet had my monthly bonus despite 2 active DDs and £1000 paid in... also the login process is horrible and the app is poor as it just shows your balance.

take initial voucher and leave!
Jiwani80
Does your current account get closed if you use the switching service to open a new current account
thats what switch means... you 'switch'(move) your account from one bank to another..... but there is no limit on bank accounts, just open a new account at whatever bank you are currently with and switch that...... remember to conditions for things like direct debits as some banks require a few to be switched for the reward...

Edited By: X50pence777 on Apr 29, 2017 04:16
-80

£5 cashback with Giff Gaff top ups of £10 or more with Halifax Bank Current Account Cashback Extras (selected accounts only)

7
£0.00 @ halifax bank
Earn £5 Cashback when you spend £10 or more on your next payment with giffgaff, maximum reward £10. Offer valid for up to two payments. giffgaff's flexible plans with no contracts give you the freedom… Read More
Earn £5 Cashback when you spend £10 or more on your next payment with giffgaff, maximum reward £10. Offer valid for up to two payments. giffgaff's flexible plans with no contracts give you the freedom…
fes37 Avatar4w, 13h agoFound 4 weeks, 13 hours ago7 Comments
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Found it on my account earlier today
ismaildeals123
fes37
not sure why people are voting cold. It's free money back of which you would have spent anyway with Giff Gaff top ups.
cause halifax bank is just a joke
literally last week i walked past halifax they closed doors infront of customers due to them being 'understaffed'
Regardless of them being a joke, i am not advising you to join them because of this deal, rather, if you're already a standard current account customer, this is a mere bonus.

Edited By: fes37 on Apr 29, 2017 13:36: Mistake
fes37
not sure why people are voting cold. It's free money back of which you would have spent anyway with Giff Gaff top ups.
cause halifax bank is just a joke
literally last week i walked past halifax they closed doors infront of customers due to them being 'understaffed'
not sure why people are voting cold. It's free money back of which you would have spent anyway with Giff Gaff top ups.
77Expired

10% cashback at Waitrose with Lloyds current account £10.00

7
£10.00 @ Waitrose
10% cashback at Waitrose with Lloyds current account customers. Expires 21st May 2017 Read More
10% cashback at Waitrose with Lloyds current account customers. Expires 21st May 2017
terryjordanramsden Avatar1m, 14h agoFound 1 month, 14 hours ago7 Comments
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Tip for anyone with a Santander 123 a/c - their online a/c "offers" sometimes include a spend at Waitrose on your Santander card with 5% or 10% cashback on one transaction. Mine currently has a 5% but you have to OPT IN to the offer! (Also 10% on CoOp)
I have the accounts but cannot find any offer, the EMtart link comes up unable to find page. Does anyone have a link to this offer?
I have it on Club Lloyds
MAIA
So how does this work? I bank with Lloyds and I've heard nothing about this. The link goes to Waitrose website and can't find any mention there either.


This is only available with certain Lloyd's accounts and has to be activated once you have registered for the Everyday offers. http://://www.lloydsbank.com/online-banking/benefits-online-banking/everyday-offers.asp
5% cashback with Halifax debit or credit card also.
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411

Nationwide Flex Direct Current Account 5% on £2.5k for 12 months

57
£0.00 @ Nationwide Building Society
The FlexDirect account could be right for you if you're after an account that pays you interest when you have money in your account and you prefer to do your banking online or over the phone. It also Read More
The FlexDirect account could be right for you if you're after an account that pays you interest when you have money in your account and you prefer to do your banking online or over the phone. It also
Anon32 Avatar1m, 1w agoFound 1 month, 1 week ago57 Comments
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If anyone is still in need of a referral, please PM me.
Same here, just PM me. I can give out 3 more referrals (first come, first serve)
Anyone needs are referral let me know via PM. You will receive £100 plus I will split my payment as well!!
https://s4.postimg.org/52h5xcknx/212w1.png
okay let's try this one last time.. Settings for PM enabled. First to PM I'll go with
-172

Nutmeg - ☆ no brainer ☆ Stocks and Shares ISA Pay in £1,700.00 to get £170 Quidco

30
£1700.00 @ Nutmeg
Pay in £500 and then £100 pm. So in a year you pay in £1700. Quidco = £170 (very good tracking reliability). Their fees are small (just short of 1%) so obviously whilst stocks and shares can go u… Read More
Pay in £500 and then £100 pm. So in a year you pay in £1700. Quidco = £170 (very good tracking reliability). Their fees are small (just short of 1%) so obviously whilst stocks and shares can go u…
PG9999 Avatar1m, 2w agoFound 1 month, 2 weeks ago30 Comments
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hukduserr
i very much agree with you. i know someone who became a multimillionaire from a pauper and he has sold most of his shares and have them in fixed deposit bank accounts.
i, as a novice and nervous investor am following the experienced ones.
The thing is that this multi millionaire is now wealthy so has more to loose which changes the outlook. Their circumstances may be different to yours and therefore the best approach may also differ.
hukduserr
i very much agree with you. i know someone who became a multimillionaire from a pauper and he has sold most of his shares and have them in fixed deposit bank accounts.
i, as a novice and nervous investor am following the experienced ones.
The thing is that this multi millionaire is now wealthy so has more to loose which changes the outlook. Their circumstances may be different to yours and therefore the best approach may also differ.
did this a couple of weeks back. At first it tracked at £170 then about a week later it's tracked at £150. Anyone else had this or any idea why?
PG9999
I had a quick look around and they seemed v reasonable. For the fund I went for less than 1 percent per year.
throwawaysociety
Maaly
Nobody knows for sure if the markets will fall or rise. So if you are going to use this platform and their own fund, then the £170 cashback is pretty nice extra. There are also plenty of other cheap trackers though if that's your preference.
it may seem like a nice extra but Nutmeg charge quite a bit more than other fund supermarkets , so that money will quickly be lost over the year(s)
Cavendish Online would probably have worked out cheaper, 0.25 on going charge + the charge of the fund would probably have been quite a bit less than 1%. People can do accurate sums using a tool like this http://www.candidmoney.com/calculators/investment-charges-impact-calculator. I recently invested in BlackRock Consensus over VGLS because the fee was cheaper, I worked out that over 30 years it would save me over £2k
I had a quick look around and they seemed v reasonable. For the fund I went for less than 1 percent per year.

throwawaysociety
Maaly
Nobody knows for sure if the markets will fall or rise. So if you are going to use this platform and their own fund, then the £170 cashback is pretty nice extra. There are also plenty of other cheap trackers though if that's your preference.
it may seem like a nice extra but Nutmeg charge quite a bit more than other fund supermarkets , so that money will quickly be lost over the year(s)
-127

Get Chip - Savings Account offering up to 5% AER interest. Maximum deposit £100 per day @ Google play / itunes

10
£0.00 @ Google play
I've just come across the mobile savings banking app calls Getchip. Funds are stored in an 'e-wallet' at Barclays Bank You can save a maximum of £100 per day into the account and earn up to 5% A… Read More
I've just come across the mobile savings banking app calls Getchip. Funds are stored in an 'e-wallet' at Barclays Bank You can save a maximum of £100 per day into the account and earn up to 5% A…
happymanuk Avatar1m, 2w agoFound 1 month, 2 weeks ago10 Comments
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To achieve the 5% AER interest you have to refer four friends (and be referred by one)

Ponzi scheme?
Maybe it wasn't quite as good as I first thought. There doesn't look to be a limit on the amount you save but until they get their own FSCS protection later in the year I think it is probably not as good as I thought.

Thanks for the replies.
Bottom line is........ Get Chips money will be safe (under the name Mr IM Phisher) in Barclays, but yours won't.
Once Getchip gets enough suckers to contribute, Getchip will disappear from the App Store and re-appear as GotChip a week later. :D
Alternatively, earn a guaranteed 5% on up to £2500 with Nationwide's current account - you can also get their regular saver offering 5% (variable) on monthly deposits of up to £500 (rate has stayed the same for over 2 years). That's an average yearly balance of £5500 earning 5% interest with full FSCS protection.

Add to that First Direct and HSBC offering 5% (fixed) for their regular savers (up to £550 per month combined) - again with full FSCS protection.

You'd be mad to use this as a proper savings account without FSCS protection. I'd imagine there's a maximum balance too, don't think you'd be able to add £100 per day for the whole year AND earn 5%.
is the account holder name prof sheikh ali of Nigeria
-118

Tesco Bank Current Account - 3% AER - reopened for applications

22
£0.00 @ Tesco Bank
Looks like Tesco are reopening applications for their Current Account with 3% interest. Sadly they've applied some more conditions to receiving it for new applications: Current Account - Important Read More
Looks like Tesco are reopening applications for their Current Account with 3% interest. Sadly they've applied some more conditions to receiving it for new applications: Current Account - Important
WillPS Avatar1m, 2w agoFound 1 month, 2 weeks ago22 Comments
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Asked them today and got this reply.... "your second application would be considered a new application and therefore the new criteria would be applicable. If you opened the account you currently have before the new rules then there will be no changes to that account. However, for any new applications, including secondary accounts, the new rules will apply, I hope that makes sense!
WillPS
throwawaysociety
Has anyone got any crafty ideas for paying the DD's? I worked out ( I think, if my sums are correct) that if you're forced to pay £3 per month to charities the effective rate is 2.3% which is still pretty good, but one or two DD's funding your own accounts could raise it.
If you have any monthly credit card payments (Netflix or similar) move them to a credit card (ideally a dormant one you have), then set up a monthly direct debit to pay in full?

Good idea but unfortunately I have nothing like that...I think I've got it worked out though. I remember I had an old post office savings account which has a direct debit function , so I am going to re-open one of those specifically for this purpose (all the t&c's suggest it's the same as before but I will see...) For the second I will put the interest + a few pound into Ratesetter and for the third I will either feed my LISA monthly or give it to a charity. I wish I had just opened a second account now before they added all these hoops to jump through
throwawaysociety
Has anyone got any crafty ideas for paying the DD's? I worked out ( I think, if my sums are correct) that if you're forced to pay £3 per month to charities the effective rate is 2.3% which is still pretty good, but one or two DD's funding your own accounts could raise it.
If you have any monthly credit card payments (Netflix or similar) move them to a credit card (ideally a dormant one you have), then set up a monthly direct debit to pay in full?
Has anyone got any crafty ideas for paying the DD's? I worked out ( I think, if my sums are correct) that if you're forced to pay £3 per month to charities the effective rate is 2.3% which is still pretty good, but one or two DD's funding your own accounts could raise it.
WillPS
throwawaysociety
Would existing customers opening a second account be subject to the new terms and conditions on that second account?
I would guess that yes, they would - but I reckon you'll only know by giving it a try.
You are correct!
-68

Up to £250 cashback from Topcashback for opening an ISA with Shepherds Friendly.

11
£0.00 @ Shepherds Friendly
I got the below email from Topcashback promoting the Shepherds Friendly ISA, saying that you can get up to £250 for opening an ISA with them!: “Earn an exclusive cashback rate of up to £250 just for Read More
I got the below email from Topcashback promoting the Shepherds Friendly ISA, saying that you can get up to £250 for opening an ISA with them!: “Earn an exclusive cashback rate of up to £250 just for
emmha Avatar1m, 3w agoFound 1 month, 3 weeks ago11 Comments
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My advice to anyone opening a S&S ISA is to check this comparison site http://www.comparefundplatforms.com/. Cashback can seem tempting but the higher fees will erode any gains that your money may make. Go for the lowest fee possible.
It should be made clearer that this is an investment, not a savings vehicle, so its risky, especially with Brexit uncertainty and how that will affect stocks and shares. Such investments rarely give you their past performance as a guide, so you have no idea whether they are worth investing in.

Also Quidco are usually difficult about paying cashback but now even TCB are at it. One trick when you join TCB is they make you a paying member (£5 a year) without telling you! I know its not much but when you earn £13 cashback and take £5 off it, its a large chunk taken away. Cashback sites are becoming as deceptive as gambling websites.

Edited By: RayB on Mar 28, 2017 15:42
TCB is ok when it works however I have had over £300 denied and currently have 5 untracked claims.One last thing the text says this is a stock market investment but the chances of losing money seem slim.Seriously?
If you're happy to risk the money then this is a good deal, however if you are not it is easy to get more than 3% on your 'savings' if you're clever about it.

A small amount of work (not hard, but you need to focus) and you have standing orders etc that all bounce around to earn you decent (well, the best you can achieve) amounts of interest. Not many switching deals out there anymore but coupled together they would beat this deal with no risk. The disadvantage is if the stocks soar you may get more.

Edited By: DanB89 on Mar 28, 2017 13:00
From my experience do not do this, I did this last year, fully complied with all the requirements and cash never got paid, I wasn't even able to raise a query through TCB - my advice would be not to touch it.
95

Moneyfarm through TCB - £80 cashback for transferring £1.00 from a current ISA

26
£1.00 @ Topcashback
I did this yesterday and it seems like easy money to me. Transfer from £1 from a current ISA to get the cashback of £80. The signup is a little lengthy, but if you can spare the 15 minutes and sending… Read More
I did this yesterday and it seems like easy money to me. Transfer from £1 from a current ISA to get the cashback of £80. The signup is a little lengthy, but if you can spare the 15 minutes and sending…
backtothecaves Avatar2m, 1w agoFound 2 months, 1 week ago26 Comments
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jamesrugman
Says for transfers of £1000 to £5000 for £80
grr snoozed and loosed 160 :(
That has changed. Looks like they got wise..
Says for transfers of £1000 to £5000 for £80
Pateo
backtothecaves
rooney10
Created Portfolio , uploaded docs yesterday morning then I just get this which is still saying the same nowwhen I log in .....
Activating your account
Please bear with us while our team verifies your documents. We will let you know as soon as it's done.
Might be best to call them - there are 3 steps as I remember - Add personal details, create portfolio and one other. After the third you should get an email. It's not very clear from the website if one is missing though.
Do you or anyone know can even though I already have a SS Isa with Shepard's friendly, am I allowed to open another with other company for £1 then do the transfer via money farm to get the cashback B4 it expires or changes? Also would you recommend doing this via PC instead of a mobile/tablet? Thanks
You can only open one ISA per year, so you need to either (a) open this year and transfer all, or (b) open 1st April and transfer part from this years ISA. I would do it on a PC for ease of use.
I've done it through Quidco as I usually have problems with TCB. Just waiting for it to track now... Hopefully wont be long - its been about 12 hours so far
504

Free 18-25 RAILCARD for 4 YEARS with Santander Student Bank account

44
£0.00 @ Santander
Get a 4 year 18-25 railcard free with Santander Student Bank Account. This is a decent bank account anyway (3%interest on balances up to £2000 and free overdrafts up to £1500) really useful freebie ca… Read More
Get a 4 year 18-25 railcard free with Santander Student Bank Account. This is a decent bank account anyway (3%interest on balances up to £2000 and free overdrafts up to £1500) really useful freebie ca…
saniman Avatar2m, 3w agoFound 2 months, 3 weeks ago44 Comments
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Cazzzle
If you can get them to let you open one!

A bank account, or a coffin?
Trefonix
Why do people complain about tuition fees? Apparently British fees are some of the lowest around, and it gives an incentive for people who probably shouldn't go to university to get an apprenticeship instead or something

That's one way of looking at it I guess?.

Your referenced Apprenticeship what not's doesn't do much favours for the 'maturer folk' mind, does it? (as the Age Discrimination Barrier is prevalent there too?, so ..... )

So, kinda depends on your angle really ..... lol.
enxr
amour3k
saniman
furiousjammin
saniman
kidrock123
anything for us 'mature' people?
Free bus passes, Triple lock pensions? Be fair, students have to pay £9k/year tuition fees and don't get grants and free tuition fees like us "mature" people did.
I'm 31. I have to pay the same course fees an 18 year old pays. Why shouldn't I be entitled to the same discounts? Blatant age discrimination
Couldn't agree more. Santander should give same deal to mature students!
I fully agree too!. :-)
enxr
furiousjammin
saniman
kidrock123
anything for us 'mature' people?
Free bus passes, Triple lock pensions? Be fair, students have to pay £9k/year tuition fees and don't get grants and free tuition fees like us "mature" people did.
I'm 31. I have to pay the same course fees an 18 year old pays. Why shouldn't I be entitled to the same discounts? Blatant age discrimination
If you're full time you get the rail card too,I think? I got one when I went to uni at 26 as was on a full time degree
Your 'case' MAY be a wee bit different though?, as you piggybacked upon that Deal at the backend of Santander's considered 'upper-age limit' for their own Deal/Incentive, etc? (16-25, and/or 18-26, or whatever it is?).
So the one you were just about able to milk on the 11th hour may not necessarily apply to someone else who is say a few short years above that 26 years old age bracket or whatever?.
But I'm more than happy to be proved WRONG though?.
As I believe that freebie should be a freebie for ALLLL!.
As it is blatant discrimination, at it's worst finest ...
No, I got it because I was full time. The criteria is full time student over 18 years old. Not under age X.

Fair enough?. :-)

supermann
amour3k
saniman
furiousjammin
saniman
kidrock123
anything for us 'mature' people?
Free bus passes, Triple lock pensions? Be fair, students have to pay £9k/year tuition fees and don't get grants and free tuition fees like us "mature" people did.
I'm 31. I have to pay the same course fees an 18 year old pays. Why shouldn't I be entitled to the same discounts? Blatant age discrimination
Couldn't agree more. Santander should give same deal to mature students!
I fully agree too!. :-)
enxr
furiousjammin
saniman
kidrock123
anything for us 'mature' people?
Free bus passes, Triple lock pensions? Be fair, students have to pay £9k/year tuition fees and don't get grants and free tuition fees like us "mature" people did.
I'm 31. I have to pay the same course fees an 18 year old pays. Why shouldn't I be entitled to the same discounts? Blatant age discrimination
If you're full time you get the rail card too,I think? I got one when I went to uni at 26 as was on a full time degree
Your 'case' MAY be a wee bit different though?, as you piggybacked upon that Deal at the backend of Santander's considered 'upper-age limit' for their own Deal/Incentive, etc? (16-25, and/or 18-26, or whatever it is?).
So the one you were just about able to milk on the 11th hour may not necessarily apply to someone else who is say a few short years above that 26 years old age bracket or whatever?.
But I'm more than happy to be proved WRONG though?.
As I believe that freebie should be a freebie for ALLLL!.
As it is blatant discrimination, at it's worst finest ...
We have this magical thing called the internet. You can use it to find out if mature students qualify for a 'young person's railcard'.
To save you the time and effort, here's a link for you. https://www.16-25railcard.co.uk/help/faqs/mature-student/

Hahahahaha, joker!, I hear, lol.
Cazzzle
Firefly1
Cazzzle
If you can get them to let you open one!
Any particular problem you had?
I had a specific problem but I got it sorted and now have the 4 year railcard.
I've had a student account with Barclays for 2 years and wanted to switch to Santander for the railcard and better overdraft and grad account. Sat in the branch for an hour sorting it out to get a phone call an hour later saying I'd been rejected. No idea why they couldn't tell me, not got any bad credit. Other people I know who are worse with money than me have had no issues at all haha.
Britain led the worlds way with free education: primary, college or university, in my opinion if you any anytime as a UK born are expected to pay tax to HMRC you should be given education free. If you take away the will of the people you end up with a massive 'Social Security' bill year on year, then you end up paying them to have kids with tax credits and say you are doing everything to get them into further education, the UK state system has more barriers than opportunities because successive Labour & tory governments are tweaking a 1950's system from post WW2, not addressing it for a modern world 70 years later.

As you mentioned, today we give kids electronic cards in schools for school dinners that teach nothing about budgeting for the even basic principle of life - foodstuff. Why not give kids Child Tax Credits direct in a school holding account and they choose what they spend on dinners, after school club fees, fitness/sports memberships and sports equipment ? No we will just give it to the parents to spend on a mortgage/drink/drugs ??

Clueless governments stuck in WW2 mode.
enxr
furiousjammin
saniman
kidrock123
anything for us 'mature' people?
Free bus passes, Triple lock pensions? Be fair, students have to pay £9k/year tuition fees and don't get grants and free tuition fees like us "mature" people did.
I'm 31. I have to pay the same course fees an 18 year old pays. Why shouldn't I be entitled to the same discounts? Blatant age discrimination
If you're full time you get the rail card too,I think? I got one when I went to uni at 26 as was on a full time degree

I'm 30 and doing a degree online full time (120 credits a year) but they wont class it as full time due to it being distance learning, so the only help i get is the tuition fee loan, cant get any grants, help with books etc, council tax reduction, anything :(
13Expired

£200 Cashback with a Nutmeg Stocks & Shares ISA via Quidco!

3
£0.00 @ Quidco
Spotted this 24 hour deal on Quidco today, open a new Stocks and Shares ISA with Nutmeg by depositing £500 lump sum then a minimum of £100 a month to receive £200 Cashback after 3 months. Not a bad… Read More
Spotted this 24 hour deal on Quidco today, open a new Stocks and Shares ISA with Nutmeg by depositing £500 lump sum then a minimum of £100 a month to receive £200 Cashback after 3 months. Not a bad…
Icebreaker117 Avatar3m, 4d agoFound 3 months, 4 days ago3 Comments
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Set it at low risk investment and you're pretty much guaranteed to make at least £180 on this. Mine is doing well, still awaiting the cashback though.
Seems a good deal to me. Heat.
Why is this going cold?
663Expired

£125 switching Bonus with TSB Current Account +5% cashback on your first £100 of contactless payments each month +3% on the first £1500 in your account

164
£0.00 @ TSB Bank
£125 switching Bonus with TSB Current Account +5% cashback on your first £100 of contactless payments+3% on the first £1500 in your account. seems like quite a good deal, potentially a £210 gain ( £… Read More
£125 switching Bonus with TSB Current Account +5% cashback on your first £100 of contactless payments+3% on the first £1500 in your account. seems like quite a good deal, potentially a £210 gain ( £…
goldy12 Avatar3m, 1w agoFound 3 months, 1 week ago164 Comments
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I'm still waiting for my bonus as well, think the actual switch happened on the 1st of March while I applied around the 24th of February.

Edited By: Jijin2 on Mar 29, 2017 17:41: a
Contact them on twitter bud
Pateo
BigPlonker
My switch went through on 21st Feb but no payment yet
Is the £125 paid from the date of opening current account or from the date of applying the switch?
Not sure, but either way it's still more than 28 days.
ncp2102
BigPlonker
My switch went through on 21st Feb but no payment yet
Did you do everything is said ?
Put £500 in?
2 direct debits
Through Money supermarket ?
Yep, all as described. I'm going to wait until the direct debits go out again next week and then get in touch.
BigPlonker
My switch went through on 21st Feb but no payment yet
Is the £125 paid from the date of opening current account or from the date of applying the switch?
176

IWeb Share Dealing / ISA account opening charge reduced to £25.00

35
£25.00 @ iWeb Share Dealing
Trade online on seven world markets for just £5 dealing commission per deal. - No annual administration charges on either our Share Dealing Account or Stocks and Shares ISA (our SIPP is subject to a… Read More
Trade online on seven world markets for just £5 dealing commission per deal. - No annual administration charges on either our Share Dealing Account or Stocks and Shares ISA (our SIPP is subject to a…
jazlabs Avatar3m, 2w agoFound 3 months, 2 weeks ago35 Comments
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After a bit of research, fidelity charge £45 annually to use platform.
This was from money observer.
Any comments as Hargreaves landsdown is expensive and time to switch though they have £61billion under management
Thx jaz and other replies.
Iweb, degiro, x-o all new to me.
I've used Selftrade (now Equiniti) Shares ISA for many years.
My needs are simple. trade at most 4 times a year. Plain vanilla buy/sell (best price, no limit trading) . No options or futures. Their inactivity fees were bothering me. Time to change.
Any good dividend focused ETF tracker suggestions. Thinking of moving the whole portfolio to 4 or 5 ETF trackers.
Not voted hot or cold, but thought I would chip in that I've used http://www.x-o.co.uk for about 4 years now with no problems - £5.95 per trade and no joining or admin fees.
tc_Joness
jazlabs
flashjmp
This is well expensive I use DEGIRO £1.20 to trade across all markets free account.
No ISA, and I don't believe they have live price on many markets so you are selling somewhat blindly. They also charge for transfers. But I did mention them in the original post for the reason you say, they're definitely worth a shot.
Google finance have real time prices - deGiro seem to offer real time LSE price subject to a monthly fee. Only issue about loaning shares could become an issue.


You can't use Google finance to guarantee how much you're going to sell your holding for when you hit sell though. It may be a minor thing, but with IWeb when you hit buy/sell, you know the exact amount you're getting before you commit, and have a few seconds to execute the transaction before it expires. It may not make a difference in getting the best price, but it helps make your mind up whether to execute or not rather than simply relying on the spread.
jazlabs
flashjmp
This is well expensive I use DEGIRO £1.20 to trade across all markets free account.
No ISA, and I don't believe they have live price on many markets so you are selling somewhat blindly. They also charge for transfers. But I did mention them in the original post for the reason you say, they're definitely worth a shot.
Google finance have real time prices - deGiro seem to offer real time LSE price subject to a monthly fee. Only issue about loaning shares could become an issue.
839

Nationwide FlexDirect Current Account - 5% interest up to £2,500 for 12 months

123
£0.00 @ Nationwide Building Society
Just saw the 3% tesco current account go hot, so thought this one was worth a mention too. Great current account if you dont mind doing your banking online. 5% on balances up to £2,500 for first 1… Read More
Just saw the 3% tesco current account go hot, so thought this one was worth a mention too. Great current account if you dont mind doing your banking online. 5% on balances up to £2,500 for first 1…
paza12 Avatar3m, 2w agoFound 3 months, 2 weeks ago123 Comments
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dodoegg1
are you sure you've got the name of the account correct? Im logged in on Nationwide right now and checked the accounts that can be open. The only 5% account I can find is;
Flexclusive Regular Saver
If you are a Nationwide main current account customer*, our Flexclusive Regular Saver offers our highest instant access savings rate. Could this be just the encouragement you need to start saving?
Flexclusive Regular Saver lets you increase your balance by up to £500 each month for 12 months, with the reassurance of unlimited instant access to your money and easy management online, via our Mobile Banking app, or in branch.
How on earth do I find the one you've put in this deal?

If you click on Get at the top of the page it takes you there or Click here
are you sure you've got the name of the account correct? Im logged in on Nationwide right now and checked the accounts that can be open. The only 5% account I can find is;

Flexclusive Regular Saver

If you are a Nationwide main current account customer*, our Flexclusive Regular Saver offers our highest instant access savings rate. Could this be just the encouragement you need to start saving?

Flexclusive Regular Saver lets you increase your balance by up to £500 each month for 12 months, with the reassurance of unlimited instant access to your money and easy management online, via our Mobile Banking app, or in branch.

How on earth do I find the one you've put in this deal?
Opened 3 accounts. 1 for Mrs, 1 for me & a joint.Re-read posts and realised i could have capitalised on the refer a friend too. face palm time now
Thar
dannyblackbeard
tom6195
dannyblackbeard
buzzard
if you pay for Flex plus you also get free worldwide travel insurance, uk breakdown cover, moile phone cover and extended cover on some purchases. Costs £10 a month but worth it for some people
Had it for a number of years. Use it for free ATM use abroad.
I thought nationwide stopped doing free atm withdrawals abroad?
Flex plus should be. It's why I originally opened the account.
See #108

It's pretty much what I said. Unless you think I opened the account on the basis of being charged abroad for ATM use.

:/
1440Expired

Tesco current account pays 3% AER on savings balances up to £3,000 guaranteed from April 2017 - April 2019 £3,000.00

491
£3000.00 @ Tesco Bank
Best saving rate on the market. It pays an attractive 3% on balances of up to £3,000, and there are no requirements for customers to pay in a minimum amount (ie their salary or pension) every month, o… Read More
Best saving rate on the market. It pays an attractive 3% on balances of up to £3,000, and there are no requirements for customers to pay in a minimum amount (ie their salary or pension) every month, o…
vally77 Avatar3m, 2w agoFound 3 months, 2 weeks ago491 Comments
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Asked them today and got this reply.... "your second application would be considered a new application and therefore the new criteria would be applicable. If you opened the account you currently have before the new rules then there will be no changes to that account. However, for any new applications, including secondary accounts, the new rules will apply, I hope that makes sense!
XSerenityX
It's great that nothing changes for existing customers as they say if you opened your account before 1st April 2017 then there are no monthly requirements. I just wish that I hadn't waited to open another now! Very frustrating!

ya well some times you lost on not waiting to with tsb's now giving 3% and another £10 (£5 for 2 dd and £5 for using debit card 20 times with no min so 1 x 10p sweet x 20, or just normal usage) in free to get rewords pcm to only new customers from march, ofc i got acocunts with them before than and only get the 3% lol

but like others have said will be nice when saving rates come back and dont have to play games to get offer rates

tho i do have 2 for the tescos 3% from doing nothing for it under old rules, tho 3 DD's really aint hard to get, paypal is a DD, send 1p to a family or friend from each account a month, and get a new credit card or credit cards, set up a DD to pay off the full, and only use that card once a month, thats up to 6 DD's covers, just had to carry more cards and remember what ones you main are and what ones your DD filler are

wouldnt even have to carry the new cards around with you as could be online use as what common to buy more than 4 things online a month any more aint it lol, just have to remember the use the CC for DD once a month, and set up a DD to pay it, really not so hard to get any number of dd's you like even if you dont have bills to pay monthly, i only have 2 bills a month, and still have over 10 DD reqs that i meet, 5 paypal and 2 of bills and 3 with CC's, really not hard if your willing to think about what card to use for a few mins once a month, until it becomes routine / habit

tesco account 1

the pay in ofc just move from another outside bank
PP (DD tho you cant set up a DD for paypal, all paypal payments you make count as a DD so send 1p to someone you love or hate)
CC 1 (1 use rather than normal CC a month DD in full) *£30 cashback to for post office matched CC* **no fee ofc**
CC 2 (1 use rather than normal CC a month DD in full) *£26 cashback for AA dual CC* **no fee ofc**

tesco 2

the pay in just ofc move from other outside bank
PP (DD tho you cant set up a DD for paypal, all paypal payments you make count as a DD so send 1p to someone you love or hate)
CC 3 (1 use rather than normal CC a month DD in full) *£30 cashback for auqa CC* **no fee ofc**
CC 4 (1 use rather than normal CC a month DD in full) *£17 cashback for argos CC* **no fee ofc**

really not hard to do the added terms is it, even if you dont have or want to move dd's from your main bank, true getting 4 cards just for DD's can hit your credit report but oh well can be done over time *or it will just repair it selfs in a few months anyways from you gaining 4 cards that are paid of in full each month less you fail to set up the DD's with them but thats your problem if you cant deal with money*, and even get the up to £30 cashback offers for them each lol

really all the terms add are a challenge to see who can think and who cant,

so i really dont get all the moaning about it (ofc not directed at who i replyed to more in general from the reopened topic)


Edited By: 1iq0 on Apr 09, 2017 15:27: more info
throwawaysociety
asters
throwawaysociety
Looking forward to the rates going up at some point so we can stop all of this nonsense and just get a normal rate in a normal savings account!
Would be great but can't see it happening anytime soon.
Neither can I sadly...I am turning to investing to try to defeat inflation
I am at a stage in life with zero debt and looking for a few good investments to achieve early retirement, hopefully around age 57 but not easy.
asters
throwawaysociety
Looking forward to the rates going up at some point so we can stop all of this nonsense and just get a normal rate in a normal savings account!
Would be great but can't see it happening anytime soon.
Neither can I sadly...I am turning to investing to try to defeat inflation
throwawaysociety
Looking forward to the rates going up at some point so we can stop all of this nonsense and just get a normal rate in a normal savings account!
Would be great but can't see it happening anytime soon.
270

£110 Switching Incentive to Switch to The Co-Op Bank

40
£0.00 @ co-operative bank
£110 when you switch to our current account. Making your 2017 that little bit brighter. New customers must complete a full switch to The Co-operative Bank using the Current Account Switch Servic… Read More
£110 when you switch to our current account. Making your 2017 that little bit brighter. New customers must complete a full switch to The Co-operative Bank using the Current Account Switch Servic…
Malc_32 Avatar3m, 2w agoFound 3 months, 2 weeks ago40 Comments
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Been with them for years ( Smile Account) never had a problem it's been my main account
amongst the other accounts I hold, I can give them a thumbs up.
Nothing required for current account, it's the rewards account that needs dd's and £750 a month
HEAT, this could literally help fund my new Nintendo console purchase!
There seems to always be a lot of these account switching incentives going around. To maximise profit you'd need to keep switching and pocket the money...just how often are you allowed to switch accounts to be eligible for these incentive payments?
Everybody with a halifax cc should look at doing a switch. £3 reward is only 36 per year. If the Co. op pays 110 it's worth 3 years of halifax rewards. It might not be the best on the high street but it hammers the Halifax. heat from me.
504

NationWide FlexDirect Current Account 5.00%

38
£5.00 @ Nationwide Building Society
This is a long standing offer for SAVERS from Nationwide. So it's more of a fyi deal for those who are not aware. Nothing Black or Friday about this offer. Starved of any decent interest rates on Read More
This is a long standing offer for SAVERS from Nationwide. So it's more of a fyi deal for those who are not aware. Nothing Black or Friday about this offer. Starved of any decent interest rates on
playdumb Avatar5m, 4w agoFound 5 months, 4 weeks ago38 Comments
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If anyone else needs one, please pm me I would be happy to split anything I get as a result
Gannet
Anyone want to refer me?

Sure I will
Anyone want to refer me?
I tried a couple month ago but failed the credit check :(
I got get me1 a these
63Expired

£100 Switch incentive for new TSB current account customers

13
£0.00 @ TSB Bank
I found this deal earlier while browsing for a new bank account for my partner and since I often check this megathread: http://www.hotukdeals.com/deals/maximise-bank-switch-incentives-earn-up-800-one… Read More
I found this deal earlier while browsing for a new bank account for my partner and since I often check this megathread: http://www.hotukdeals.com/deals/maximise-bank-switch-incentives-earn-up-800-one…
SeraphXii Avatar6m, 1w agoFound 6 months, 1 week ago13 Comments
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I helped a family member switch an account under this offer and can confirm it paid the £100 into the account a month after the switch without any chasing.
Has anyone received this incentive yet?
mjb1975
Standard tesco savings accounts allow you to set up direct debits from your own other accounts meaning you can easily set up four different savings accounts and meet the criteria.
That's some good advice.
Standard tesco savings accounts allow you to set up direct debits from your own other accounts meaning you can easily set up four different savings accounts and meet the criteria.
4 direct debits in my eyes is equivalent to 2 new standard accounts as most only require 2 D.D set up. This therefore means for me even the £150 wasn't enough for me to try switching to co op
102

Get £200 when you switch and stay with HSBC Advance

18
£0.00 @ HSBC
Open a new HSBC Advance or HSBC Premier Account and get £150 when you switch with a minimum of 2 Direct Debits or Standing Orders using the Current Account Switch Service within 30 days of opening you… Read More
Open a new HSBC Advance or HSBC Premier Account and get £150 when you switch with a minimum of 2 Direct Debits or Standing Orders using the Current Account Switch Service within 30 days of opening you…
Satsbefast Avatar7m, 3w agoFound 7 months, 3 weeks ago18 Comments
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Ending soon.
http://www.moneywise.co.uk/news/2016-09-07/looking-to-switch-current-account-get-200-hsbc (seemingly the £1750 doesn't need to be from one payment i.e. wages)
or over the phone. thanks for the help.
or over the phone
Yes but the switching process with HSBC has to be completed in branch for some reason. don't know why? I'm convinced (not 100% sure for definite) they will ask about earnings then.
-113

Santander 1|2|3 Lite Current Account - £1 per month ** Cashback on household bills**

19
£0.00 @ Santander
Santander launched a new 123 current account yesterday ( 21/07/2016 ) which is the lite version which pays cashback on you household bills. The current account that pays you cashback on your househ… Read More
Santander launched a new 123 current account yesterday ( 21/07/2016 ) which is the lite version which pays cashback on you household bills. The current account that pays you cashback on your househ…
cliosport65 Avatar10m, 21h agoFound 10 months, 21 hours ago19 Comments
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I receive approx £11 cashback a month & was receiving good interest too, but moved recently so no real savings left. The Lite account suits me better now as I keep the cashback and only pay £1 instead of £5. Good timing too with the interest rate dropping! Don`t know why this went cold....
Shakeyyy
2_random_words
karen46
I have just switched to ordinary 123 account after having an offset account elsewhere, so far so good, the £5. charge is easily covered by cashback and the 3% interest.


As of November though will be 1.5%


How comes they're halving their interest rate?!


Because they are greedy ;)
2_random_words
karen46
I have just switched to ordinary 123 account after having an offset account elsewhere, so far so good, the £5. charge is easily covered by cashback and the 3% interest.


As of November though will be 1.5%


How comes they're halving their interest rate?!
karen46
I have just switched to ordinary 123 account after having an offset account elsewhere, so far so good, the £5. charge is easily covered by cashback and the 3% interest.


As of November though will be 1.5%
New Trust them...I had bad experience with them . Stay away
393

M&S Current Account - £100 gift card for switch and up to £120 GC [£10 a month with £1000 paying in]

50
£0.00 @ Marks & Spencer Bank
Was looking to switch my current account and this looked like a decent deal.. £100 gift card to switch an existing current account. Switching needs to be done from a current account that has 2 act… Read More
Was looking to switch my current account and this looked like a decent deal.. £100 gift card to switch an existing current account. Switching needs to be done from a current account that has 2 act…
danby22 Avatar10m, 2d agoFound 10 months, 2 days ago50 Comments
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tomdavidrichards
rdbradshaw
tomdavidrichards
rdbradshaw
karlie88
woldranger
What do people regard as the best switching account at the mo, either purely for the incentive or including other bonuses?
I'm going to switch my Nationwide as soon as I get the £100 credit for a referral and recently switched another account to Halifax for their rewards account.
All of them are worthwhile - free money after all.
Also, be careful with Nationwide, there's a clause that says you need to remain with them for 3 months after having received the £100 via their recommend a friend incentive.
With the m&s switch by paying in £1000 a month can I simply take it back out strait away or do you need to have £12,000 in the account after a year in order to get the extra £120 gift vouchers ?
You can withdraw straight away
Just a thought , you know the £1000 pay in , I'm fairly sure it can't be internal and I would class my 1st direct account as internal as its same company as M&s . If I can't do it that way I would have to physically take out £1000 and put into M&s via post office I hop I don't have to do that it's a bit of a faff
Its not internal,HSBC,first direct and m&s are classed as separate. Just means from a m&s savings account etc to current account and back.
Ok great thanks for that :D
rdbradshaw
tomdavidrichards
rdbradshaw
karlie88
woldranger
What do people regard as the best switching account at the mo, either purely for the incentive or including other bonuses?
I'm going to switch my Nationwide as soon as I get the £100 credit for a referral and recently switched another account to Halifax for their rewards account.
All of them are worthwhile - free money after all.
Also, be careful with Nationwide, there's a clause that says you need to remain with them for 3 months after having received the £100 via their recommend a friend incentive.
With the m&s switch by paying in £1000 a month can I simply take it back out strait away or do you need to have £12,000 in the account after a year in order to get the extra £120 gift vouchers ?
You can withdraw straight away
Just a thought , you know the £1000 pay in , I'm fairly sure it can't be internal and I would class my 1st direct account as internal as its same company as M&s . If I can't do it that way I would have to physically take out £1000 and put into M&s via post office I hop I don't have to do that it's a bit of a faff


Its not internal,HSBC,first direct and m&s are classed as separate. Just means from a m&s savings account etc to current account and back.
tomdavidrichards
rdbradshaw
karlie88
woldranger
What do people regard as the best switching account at the mo, either purely for the incentive or including other bonuses?
I'm going to switch my Nationwide as soon as I get the £100 credit for a referral and recently switched another account to Halifax for their rewards account.
All of them are worthwhile - free money after all.
Also, be careful with Nationwide, there's a clause that says you need to remain with them for 3 months after having received the £100 via their recommend a friend incentive.
With the m&s switch by paying in £1000 a month can I simply take it back out strait away or do you need to have £12,000 in the account after a year in order to get the extra £120 gift vouchers ?
You can withdraw straight away
Just a thought , you know the £1000 pay in , I'm fairly sure it can't be internal and I would class my 1st direct account as internal as its same company as M&s . If I can't do it that way I would have to physically take out £1000 and put into M&s via post office I hop I don't have to do that it's a bit of a faff
cliosport65
can you switch from HSBC ?

Yes
can you switch from HSBC ?
330Expired

£150.00 Cash to switch your Current Account to Co-Op Bank until 1st August

37
£150.00 @ co-operative bank
£150 Cashback when you switch your Current Account to the Co-operative Bank- T&Cs apply. You will be considered a new customer if you do not already have a Co‑operative Bank or smile current accou… Read More
£150 Cashback when you switch your Current Account to the Co-operative Bank- T&Cs apply. You will be considered a new customer if you do not already have a Co‑operative Bank or smile current accou…
caroline57 Avatar10m, 3d agoFound 10 months, 3 days ago37 Comments
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Not really a great deal, unless you have a completely useless current account specifically opened for switching.

I have a fairly under used (zero balance for almost 6 months) current account with Nationwide. But they offer a very good credit card deal, 0.5% cash back on all spendings. The cashback alone would give me £80-£120 every year. Not worth the hassle to switch to CO-OP, considering they do not have similar credit card deal.

I will have to open a new current account to take advantage of this deal, :,(
I spoke to them on the phone today about this offer and got some good responses. They also clarified that there currently is no set closing date for this offer, which is good news for those wanting to set up direct debits to get ready for this offer. I'd also say the title should probably be modified since there doesn't seem to be a hard deadline on this deal yet.

Also, is anyone able to confirm if there is a minimum pay in attached to this deal? As the person I spoke to on the phone made no mention of one and this thread doesn't but a related thread I saw on HUKD ( http://www.hotukdeals.com/deals/maximise-bank-switch-incentives-earn-up-700-one-guide-2079867 ) states a £800 minimum pay in, in addition to the 4 DDs, I sincerely hope it's wrong(?), otherwise I'm out as I just don't have enough spare cash sitting around for that unfortunately....
ST3123
Yes, i'd be interested to know that too, also how long after ordering them until the DD is classed as "active"?
I could use my main account, which already has enough active DDs running but am wary in case of any issues upsetting vital DD payments like monthly bills. Whilst I have been with the bank (RBS) for over 16 years and haven't had any major issues, I have no particular loyalty to them either, and as they are changing into a completely different bank in the next year or so I may be wise to move.
Also what happens to your credit card when you switch accounts (mine is with my bank)?

About 4 times this year I have had my online purchases blocked with Halifax as they think its a fraudulent transaction. I then have to phone them up and go through about 30 questions just for them to activate it again. Now I woke up to a voicemail again this morning regarding my card. I wouldn't mind if it was being used by a fraudster (well I would) but it's not, it's just me buying stuff online. Highly annoying, although I did get £100 for switching to them and get cashback via retail stores/companys on their online banking cashback section. £10 is due at end of month but this deal expires then, so need to switch over on 31st and make some DD mag subscriptions. That's why I want to know when they become active :D

Edited By: Shayno on Jul 21, 2016 13:48
Shayno
Do these magazine subscriptions create a direct debit
lucas
mikem1989
what's the easiest/cheapest way of adding 4 direct debits to my 2nd bank account which I am willing to use as a donor.
£1 magazine subscriptions that last 3 months. Viz for example
Do these magazine subscriptions create a direct debit on the trail or just charge a £1, then create a direct debit if you carry on after the trial period? Also when is a direct debit created, when I make the order or when the first issue is dispatched/received?

Yes, i'd be interested to know that too, also how long after ordering them until the DD is classed as "active"?

I could use my main account, which already has enough active DDs running but am wary in case of any issues upsetting vital DD payments like monthly bills. Whilst I have been with the bank (RBS) for over 16 years and haven't had any major issues, I have no particular loyalty to them either, and as they are changing into a completely different bank in the next year or so I may be wise to move.

Also what happens to your credit card when you switch accounts (mine is with my bank)?
Do these magazine subscriptions create a direct debit
lucas
mikem1989
what's the easiest/cheapest way of adding 4 direct debits to my 2nd bank account which I am willing to use as a donor.
£1 magazine subscriptions that last 3 months. Viz for example

Do these magazine subscriptions create a direct debit on the trail or just charge a £1, then create a direct debit if you carry on after the trial period? Also when is a direct debit created, when I make the order or when the first issue is dispatched/received?
-95

Free £200 bank switch (£150 upfront; £50 if you stay) @ HSBC *NEW CUSTOMERS*

25
£0.00 @ HSBC
Free £200 bank switch (£150 upfront; £50 if you stay). New switchers to HSBC's Advance* get £150 within 70 days. Plus, register for online / mobile banking once it's open and if you're still with it a… Read More
Free £200 bank switch (£150 upfront; £50 if you stay). New switchers to HSBC's Advance* get £150 within 70 days. Plus, register for online / mobile banking once it's open and if you're still with it a…
raza786 Avatar11m, 2w agoFound 11 months, 2 weeks ago25 Comments
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why's this so cold? oO because of bad customer service?
Edit: deal ends sunday, i might switch

Edited By: loadsavmoney on Jul 09, 2016 05:59
collinc1980
gwapenut
Has this offer been withdrawn? I can't find it any more
Not withdrawn, it's just came out.. Should have gone to spec savers lol

No really, it doesn't show up on some browsers. Load the same url using incognito and normal chrome, and only the incognito chrome shows the offer. Haven't worked out why / what cookies or script blockers are stopping it so far.

Edited By: gwapenut on Jun 09, 2016 11:44
Advanced account and 6% regular saver can't fault my experience with them. Always quick to get through to them and greeted with them anyway having my details to hand when I verify after reading them. responsive Uk customer services robust app and quick dealing even when I was in another country. advance also benefits from a higher withdrawal limit, no transaction fee and preferential rates. if you can it's worth it.
Also requires £1750 a month going into your account.
If you are eligible for a premier account, 6% regular saver and call centres in UK
580Expired

Halifax Current Account, £125 switching incentive is back

71
£0.00 @ halifax bank
Halifax has restarted their switching offer, usual conditions apply and from experience the cash is paid really quickly Terms and conditions. To qualify for the £125 switching offer (“the offer”… Read More
Halifax has restarted their switching offer, usual conditions apply and from experience the cash is paid really quickly Terms and conditions. To qualify for the £125 switching offer (“the offer”…
eslick Avatar11m, 2w agoFound 11 months, 2 weeks ago71 Comments
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Try Tesco and paypal
TirolForce165
I have multiple Halifax current accounts with zero money in them you don't need cash to credit these accounts with the monthly £750 if you have a overdraft as you can use the overdraft instead with no charges or costs.
The monthly £750 from my overdraft goes in one account for seconds then I transfer It through the other accounts online and then put it back to clear the overdraft in the original account it came from .
This takes seconds/minutes which I do in daytime banking hours before 3pm .
Direct debits can be gotten at no cost as well.


Which free dd's have you set up?
I have multiple Halifax current accounts with zero money in them you don't need cash to credit these accounts with the monthly £750 if you have a overdraft as you can use the overdraft instead with no charges or costs.
The monthly £750 from my overdraft goes in one account for seconds then I transfer It through the other accounts online and then put it back to clear the overdraft in the original account it came from .
This takes seconds/minutes which I do in daytime banking hours before 3pm .
Direct debits can be gotten at no cost as well.
Justsuperman
kar999
People voting cold on a much better HSBC £200 switch deal.... this site is so random!http://www.hotukdeals.com/deals/free-200-bank-switch-150-upfront-50-stay-hsbc-new-customers-2460582
Yeah but you have to pay in 1,750 pound a month some people don't have that pay in every month also need 2 DD's

I have a rolling standing order between all my accounts so you don't have to have salary paid in. So long as you have £1750 sitting somewhere like your main current account just transfer it in and out back to where it started.
kar999
People voting cold on a much better HSBC £200 switch deal.... this site is so random!

http://www.hotukdeals.com/deals/free-200-bank-switch-150-upfront-50-stay-hsbc-new-customers-2460582


Yeah but you have to pay in 1,750 pound a month some people don't have that pay in every month also need 2 DD's
330Expired

£150.00 Current Account Switch Incentive @ Smile by Co-Op + TCB/Quidco ~£48

44
£150.00 @ smile
A no monthly fee current account that offers what you might need to manage your day-to-day transactions. Switch to a Smile current account and you could be eligible for £150. New customers must co… Read More
A no monthly fee current account that offers what you might need to manage your day-to-day transactions. Switch to a Smile current account and you could be eligible for £150. New customers must co…
dynbrn Avatar1y, 4d agoFound 1 year, 4 days ago44 Comments
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mistermoneysaver
kingchris
hellop4nda
Four direct debits? How on earth would typical people have enough of those...
Mobile.
Credit Card
Gym
Car Payment
Broadband
Water
Power
Gas
Council Tax
TV Licence
Four is very easy.
Or
Tesco internet saver
Tesco internet saver
Tesco internet saver
Tesco internet saver
Just use different amounts.


This doesn't work as they use the same d/d mandate regardless of different amounts on different days ;)

2 Tesco Savers will work though , 1 dd for each account ;)

Edited By: rooney10 on Sep 16, 2016 15:42: typo
desired.value
what do they mean by active direct debits? Its not clear what they mean by that. Should payments have been made using those direct debit on the account from which you are switching over


Yep thats what it means I think. Like on an old account I'm sure my old mobile phone provider direct debit is still there, but inactive bc i changed providers and old one isn't taking payments anymore
what do they mean by active direct debits? Its not clear what they mean by that. Should payments have been made using those direct debit on the account from which you are switching over
ta kiish! or rspca or nspcc
thebestrc
hellop4nda
kingchris
hellop4nda
Four direct debits? How on earth would typical people have enough of those...
Mobile.
Credit Card
Gym
Car Payment
Broadband
Water
Power
Gas
Council Tax
TV Licence
Four is very easy.
Student. Have none of those, only have 2 to transfer money between and that's the most I can do. :(
Setup a DD to a charity. £1 And you're doing some good too. Not hard.
mistermoneysaver
kingchris
hellop4nda
Four direct debits? How on earth would typical people have enough of those...
Mobile.
Credit Card
Gym
Car Payment
Broadband
Water
Power
Gas
Council Tax
TV Licence
Four is very easy.
Or
Tesco internet saver
Tesco internet saver
Tesco internet saver
Tesco internet saver
Just use different amounts.
National Lottery.
556

Post Office home phone £16.00 Plus with free Unlimited internet for 12 months also FREE New line install - Pay Bill by Cash no Fee - No bank account required! @ Baker Street London Post Office

54
£16.00 @ Post Office
Post Office Home Phone and Unlimited Internet with Free New Line/reconnection Install. Line Rental £16 per month with free weekend calls, caller ID and voicemail) Internet Free for 12 months then Read More
Post Office Home Phone and Unlimited Internet with Free New Line/reconnection Install. Line Rental £16 per month with free weekend calls, caller ID and voicemail) Internet Free for 12 months then
loveto123shop Avatar1y, 1m agoFound 1 year, 1 month ago54 Comments
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Does anybody know what happens to the 12 months free broadband offer if you move home? I've been trying to get a sensible email response from support regarding this for over a week, without any luck. I think the T&C on the website say you have to start a new 18 month term, which it to be expected these days, but there's nothing about the 12 month free offer.

Has anyone that has signed up to this seen anything in their T&C about home moving?
What a load of rubbish . Talk talk dont own the line either. If you have a problem with your internet or phone , then , Talk Talk, Post Office, BT will all use the same people, which is " Open Reach" whom have the monopoly on the lines and the work and exchanges.
Which ever service provider you have will make an appointment with an Open Reach engineer to call. You can ask the engineer questions when he calls. Usually the fault is the software in the exchange , designed to slow you down , and the profile needs resetting.
It is only if you dont use a phone line for your internet , like have a cable service , then there would be a difference. So using the Post Office will be just as bad as using BT ( who keep putting their prices up).

Learn to read for heaven's sake.

I never said Talk Talk owned the line or the network for that matter. What I actually said was the the Post Office's phone and Broadband are run by TalkTalk which it is that is why I said 'They have completely went downhill since using Talktalk' Then I said 'The problem is it is not their network so when things go wrong they will do nothing. Also, if things go wrong that are specifically their fault (like admin errors) they will also do nothing. ' I even made a distinction between network/openreach problems and admin/customer service problems (Post Office/talktalk issues).
Mikuru
Be wary, if you have/want to have any work done through Open Reach then you have to pay an extortionate fee on top! I need a new master socket as the current one was here pre 1980 & is an old LJU2 (Non NTE5) Open reach would deem this a "Conversion of hard-wired/master socket to Linebox and regularisation of illicit master socket" and charge £25+ Vat. - https://www.openreach.co.uk/orpg/home/products/pricing/loadProductPriceDetails.do?data=W8VLtJzwxQ9ziP11V1KX7Q%2FMS3uzzEPwWhCBQ6nnzJNUNeIS4WkJBRh6z%2FRUAIt8maxtgrEro1A7w5V8nzAZpQ%3D%3D

Seeing as Open Reach refuse to take work on directly and has to be done by your Service provider that means a call to Post office is at hand, however the Post office want £160 for the same job, they say it's their admin costs that inflate it which is a poor excuse.

I would do it myself but the wire from the telephone mast to the house is easily 35+ years old & hasn't faired the elements well over the years so any attempt to move it would probably break it.


This is a stupid comment, open reach act as the wholesaler here in effect, it's like saying I want an apple computer but John Lewis are charging £1049, rip off as it only costs Apple £650 to make it
"Read the reviews on Post Office Broadband. They have completely went downhill since using Talktalk. Post office customer service is non existent. The problem is it is not their network so when things go wrong they will do nothing. Also, if things go wrong that are specifically their fault (like admin errors) they will also do nothing.

Don't be seduced by any inducements they might offer. Save yourself some hassle and go through someone else. "

What a load of rubbish . Talk talk dont own the line either. If you have a problem with your internet or phone , then , Talk Talk, Post Office, BT will all use the same people, which is " Open Reach" whom have the monopoly on the lines and the work and exchanges.

Which ever service provider you have will make an appointment with an Open Reach engineer to call. You can ask the engineer questions when he calls. Usually the fault is the software in the exchange , designed to slow you down , and the profile needs resetting.

It is only if you dont use a phone line for your internet , like have a cable service , then there would be a difference. So using the Post Office will be just as bad as using BT ( who keep putting their prices up).
Read the reviews on Post Office Broadband. They have completely went downhill since using Talktalk. Post office customer service is non existent. The problem is it is not their network so when things go wrong they will do nothing. Also, if things go wrong that are specifically their fault (like admin errors) they will also do nothing.

Don't be seduced by any inducements they might offer. Save yourself some hassle and go through someone else.
483

Shepherds Friendly Stocks and Shares ISA Cashback £100 - £250 available for very little outlay & effort

315
£0.00 @ Shepherds Friendly
This post is a bit of a spin off from karlie88's excellent bank switching thread - http://www.hotukdeals.com/deals/maximise-bank-switch-incentives-earn-up-1100-one-guide-2079867 Open a Shepherds Fr… Read More
This post is a bit of a spin off from karlie88's excellent bank switching thread - http://www.hotukdeals.com/deals/maximise-bank-switch-incentives-earn-up-1100-one-guide-2079867 Open a Shepherds Fr…
norbie Avatar1y, 2m agoFound 1 year, 2 months ago315 Comments
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Start of September
mosgas
Got my M&S voucher yesterday, anyone know if you can use it to buy gift cards?
When did you take out your cover?
Got my M&S voucher yesterday, anyone know if you can use it to buy gift cards?
norbie
Crapweasel
norbie
borat1234
Hi, i took out the legal and general cover after seeing this post....have you received your gift voucher yet? Thanks in advance Dan
Hi Dan, yes I've had a few as did the same thing again with other insurance firms :)
If you've made 3 payments and not received anything (it comes in the post), give them a call.
What other companies, if you don't mind us asking? Did you find them through HUKD, or just random searching? Thanks in advance!
Just google for life insurance cashback / voucher. Think I've done L&G direct, Direct Line & Nationwide. They're all provided by L&G but have paid out on all..!

Still nothing off legal and general, so i emailed them and they replied saying that they issue the voucher after 4 months so probably wont get it till February by the time they allow for dispatch and delivery time!? I might as well stick it out now, but potentially a bigger outlay.
norbie
Crapweasel
norbie
borat1234
Hi, i took out the legal and general cover after seeing this post....have you received your gift voucher yet? Thanks in advance Dan
Hi Dan, yes I've had a few as did the same thing again with other insurance firms :)
If you've made 3 payments and not received anything (it comes in the post), give them a call.
What other companies, if you don't mind us asking? Did you find them through HUKD, or just random searching? Thanks in advance!
Just google for life insurance cashback / voucher. Think I've done L&G direct, Direct Line & Nationwide. They're all provided by L&G but have paid out on all..!
Great, will do. Thanks for the additional info, it sounds like a winner if they all pay out! :)
35

Recommend your friends or family to switch to a Nationwide current account and get £100 each *(see details) *Do not offer or post referrals*

15
£0.00 @ Nationwide Building Society
How does it work? If you're a Nationwide current account holder*, you can recommend your friends and family. You give us a few details about you and about your friend. We'll email you with more inf… Read More
How does it work? If you're a Nationwide current account holder*, you can recommend your friends and family. You give us a few details about you and about your friend. We'll email you with more inf…
Carley Avatar1y, 2m agoFound 1 year, 2 months ago15 Comments
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phil001
HI,

anyone know if its still safe to go via TCB / Quidco for this?
Wouldn't want to forfeit the 2 x £100's for the sake of £25 cashback

No mention of the £100 referral on TCB / Quidco as far as i can see

cheers


Hi yes you can still use quidco. The person who recommends you will recieve an email from nationwide that they forward onto you. You apply for an account via quidco and when the switch goes through they will see you have been recommended and both parties get the £100
HI,

anyone know if its still safe to go via TCB / Quidco for this?
Wouldn't want to forfeit the 2 x £100's for the sake of £25 cashback

No mention of the £100 referral on TCB / Quidco as far as i can see

cheers
rp83
Do they send the link one has to use or use TCB and then provide friend's details in the application somewhere?
Neither. I guess NW go on the record they make of your friends name and email address when you submit the referral, so best that said friend uses the same details!

NB. TCB / Quidco is reliant on account opening being achieved wholly online per t&c. However, NW required my daughter, who already had a NW account, to attend a branch with ID. Unclear if that was an attempt to avoid cashback or incompetence, but they reconsideted after complaint via secure message.....

Edited By: RogerN on Apr 25, 2016 15:10
just read the FAQs - works for existing customers too! Just need to keep the account active for 3 months post switch date.
if you previously had a nationwide which has been recently closed.. can you reapply using the friend link as a 'new customer?' - how long do you have to be 'away' from the bank? Comments much appreciated :)
324

Santander Regular eSaver 5% Interest

99
£0.00 @ Santander
You can have this account with any Santander current account only excluding 123 mini The instant access savings account funded from your Santander current account A Regular eSaver lets you save up… Read More
You can have this account with any Santander current account only excluding 123 mini The instant access savings account funded from your Santander current account A Regular eSaver lets you save up…
shishiragarwal Avatar1y, 2m agoFound 1 year, 2 months ago99 Comments
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Having been encouraged to bank on line I find this a stupid requirement. I have been with Santander and its previous incarnations in the UK since 1969 and still have to go through this rigamaroll.No offence to the front line staff but they really need to get some authority to filter down to the staff facing the customers. I also wish they would get rid of the notice thank you for waiting. If I want to get to the counter what is my other ortion apart from waiting,pleae inform me.T
Every little helps, thanks for this. But as mentioned, switching out £200 pm from 123 to saver only makes £24 or so extra, not worth phone or in-branch hassle. Complained to 123 by secure message(_;)

In meantime, looking at Quidco etc for another bank account preferably with highish interest rates
Thanks op
Askrulous
snack_attack
Askrulous
A reply takes seconds.
Several replies takes minutes.
Askrulous
Setting up an account takes time
Takes 5 minutes to open the account, as much time as you reading and replying 8 times within this thread.
Askrulous
then theres the extra paperwork which I have to keep for myself
There is no extra paperwork for you. All kept online. Your accountant's job is to manage your paperwork.
Askrulous
then theres all the passwords for different accounts
You've already explained that you have a First Direct ISA, thus you will not need new login details - just use the same one and both accounts will appear within online banking.
Askrulous
I have trouble remembering passwords just for accounts set up with different establishments to keep under the fscs, so really don't need to extra headache for what is a very little amount
Either get a secure password manager program or do some memory training exercises.
I appreciate that it works for you and others, I'm glad its worth it for you, just not for me. As for my memory, there's no hope for that!

Fair enough.
snack_attack
Askrulous
A reply takes seconds.
Several replies takes minutes.
Askrulous
Setting up an account takes time
Takes 5 minutes to open the account, as much time as you reading and replying 8 times within this thread.
Askrulous
then theres the extra paperwork which I have to keep for myself
There is no extra paperwork for you. All kept online. Your accountant's job is to manage your paperwork.
Askrulous
then theres all the passwords for different accounts
You've already explained that you have a First Direct ISA, thus you will not need new login details - just use the same one and both accounts will appear within online banking.
Askrulous
I have trouble remembering passwords just for accounts set up with different establishments to keep under the fscs, so really don't need to extra headache for what is a very little amount
Either get a secure password manager program or do some memory training exercises.

I appreciate that it works for you and others, I'm glad its worth it for you, just not for me. As for my memory, there's no hope for that!
500Expired

Santander Help to Buy: ISA now paying 4%

111
£0.00 @ Santander
Help to Buy: ISA is an account aimed to help you save for your first home. The Help to Buy: ISA is a tax-free savings account in which you can make regular deposits of up to £200 a month. You will rec… Read More
Help to Buy: ISA is an account aimed to help you save for your first home. The Help to Buy: ISA is a tax-free savings account in which you can make regular deposits of up to £200 a month. You will rec…
ses6jwg Avatar1y, 2m agoFound 1 year, 2 months ago111 Comments
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Now 2/ 2/.5% for new customers hope you got in while you could.
Halifax cutting rates for new customers making this even more attractive
whoMODStheMODS
I doubt you get anything for opening an account.
welshblob
whoMODStheMODS
What's the extra 500 quid that Halifax give you? Is it like a joining bonus?
bugno
Halifax gives 4% as well. Same conditions plus Halifax gives extra 500 quid as far as I am concerned, just opened mine a week ago.
I can't find the extra £500 stated on their website

I think the poster must be confusing the £500 cash back when you take a mortgage out with them as a first time buyer. Although I think most of the banks do.
I doubt you get anything for opening an account.

welshblob
whoMODStheMODS
What's the extra 500 quid that Halifax give you? Is it like a joining bonus?
bugno
Halifax gives 4% as well. Same conditions plus Halifax gives extra 500 quid as far as I am concerned, just opened mine a week ago.
I can't find the extra £500 stated on their website
bugno
Halifax gives 4% as well. Same conditions plus Halifax gives extra 500 quid as far as I am concerned, just opened mine a week ago.

Have you got a link. I can't find the Halifax £500 deal. I have other accounts with them so for logistics they are easier for me but haven't read the find print in either yet. But £500 would seal the deal for me.