I would advise to do a soft credit check before switching. I got rejected because my credit score didn't satisfy them. All of my credit scores with Experian, ClearScore and Credit Karma were very high but its not about the score, its about what credit cards and loans you have and who with. MSE have a tool that does a soft search and will give you a good indication whether you will get accepted or not. When I spoke to First Direct, the customer service was awful. They wouldn't assist me to tell me exactly why they rejected me.
I opened an account with them last December and then transferred my current account. Still haven't received my incentive payment. Last time I managed speak with them a few weeks ago they said the payment was on its way. I have tried contacting them again recently but their messaging system from their app has never worked, they don't reply to emails and I can't afford the hours it takes for them to answer the phone. I think that they are supposed to pay out if you leave but I don't hold out much hope for that.
Just a couple ot weeks ago, if that.
I switched my wife's 35 years old Lloyd's account on Monday. Today we received debit card and details of account and one call to register and 2nd for activation code. Took maximum half an hour and everything is working as it should be. Switch will take 7 days.
No. Opening a second current account and subsequently closing it will not cause your bank to get upset.