Yes, or if a mistake was made and the payment is retracted.
You certainly don’t need an Lloyd’s account to be accepted. I work for Lloyd’s also and have had my salary paid into Monzo without issues. I also know someone in our team who was made permanent in March this year and they were told the same thing, they never opened one and just set the payment details to Santander and all has been fine.
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Would Lloyds even realise if you CASSed away your LBG account to Monzo, being as the CASS system is pretty much automated?
Payroll would probably keep sending it to your old details, and ‘the system’ would keep forwarding it?
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You most definitely do, so unless they have somehow overlooked it, or your friend was agency and then permanent, and didn’t follow the same route as a new starter like I did.
I know a few years back it never mattered, but for sure when I signed my life away, they said I’d need a group account to be paid in as part of the employment terms.
I might change them on workday and see what happens 
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I have been wondering about this, but, it may impact my employment therefore not done it just yet.
Its silly being forced to be paid to a group account.
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Just, wow. That is my assessment of going back into legacy banking in order to make use of the £125 switching bonus, now our Halifax reward account has stopped paying out.
I began the switch at the end of October with a 5 - 7 working day turnaround to open the account. On 2nd November, I was asked for digital document photos. These were submitted on the 2nd November, rejected on the 3rd for “poor lighting”. I submitted new photos on the 3rd and they were approved on the 5th.
We received the debit cards + PINs (all at the same time) along with a text asking me to login and check that direct debits etc have transferred. Except, we still had no account number or welcome pack/information about the account we’ve opened.
The switch completed this morning, except I still had no account details or welcome pack about the account we’ve opened. I’ve just had to phone their switching team to jump through hoops to get the account number (naturally, they were cautious as I had no verified information to give them beyond an unactivated debit card), only to find there are no direct debits listed! The switching team claims this is standard practice and banks aren’t able to share this information until the companies involved attempt to collect the direct debit. She then proceeded to tell me she can “do me a favour” and look into what direct debits they’ve received details for - but reaffirmed this isn’t standard practice to give customers access to this data.
I asked to make a complaint about how there was something really wrong with the whole switching process - was transferred to some guy who opened with “I understand you want to make a complaint”. After he attempted to justify the stance they take, I double-checked if he was in the complaints team - he was not. He was part of a triage team attempting to resolve issues/offer support before submitting a complaint (which seems to me, to go against the expectation the FCA has that customers can open complaints easily). I insisted that he transfer me to an actual complaint handler, that can allow me to open a complaint to get the matter under people’s noses for review, only for him to terminate the call… I’m not sure how any element of this process has demonstrated pillars 1, 3 or 6 of FCA’s Treating Customers Fairly expectations!
They’re good for the free £125, and then I’m off. I might save myself the hassle and just pay all big bills from our Monzo JA in the future.
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Presumably they will have recorded the call, so if you make a written complaint about the original matter and how the call dealt with it, that should so the job. And if they fail to deal with your complaint to your satisfaction, surely the ombudsman would get access to the recording as part of their investigation.
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It’s not standard. I’ve switched to Barclays, Lloyds and Halifax and they all showed Direct Debits set up when the switch was complete. I didn’t have to wait for the businesses to collect the payments.
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To add to the legacy woes - Halifax today let me know that a switch has started to Natwest and to phone them if this wasn’t requested by me. Except, the switch has already completed 
One of the things that irked me about Halifax was them constantly texting me to tell me I’m overdrawn when standing orders/direct debits were processed out of order (the result was a positive balance) yet they couldn’t drop me a text to let me know that there’s a switch in progress.
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Same thing happened to me with Lloyds. They sent me a letter saying to contact them if I hadn’t requested a switch, but it arrived over a week after the switch had completed. Just saw it as another sign to be glad I was shot of them.
Out of interest, I did phone the number on the letter. The woman had zero answers as to what they’d do in this situation if I changed my mind, as the switch can’t be reversed now it’s completed.
She then justified it with “we use second class mail and have zero control over this, so this isn’t really our fault”, when I asked what they’d do if this wasn’t a genuine switch and someone now had all my money.
It’s been a useful exercise in reminding me why Fintechs are better. Sometimes I worry that I’m too fintech positive, and overly critical of the legacy sector - but I guess not.
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Two most memorable quotes from NatWest staff.
“The Helpful Banking Team can’t help with that.” A couple of years ago when they closed the current account which was mandatory to access the ISA I had with them, because I wasn’t using the current account.
“I’m not asking you to starve, just go hungry occasionally.” Branch student officer, about 1987, depriving me of access to my overdraft unless I visited a branch in person and wrote a cheque to cash.
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Got my final resolution on Friday. They offered £60 of hush money and ‘reminded’ that it’s not common practice to tell customers about direct debits until after the first collection.
They said they’ve absolutely no excuse for being prevented from making a complaint over the phone, or the poor experience across the multiple calls I had with them.
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