Not sure they have ever worked.
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It took about a week for credit card spend notifications to start working after I opened a new card late last year. So Iād suggest waiting a while if you havenāt already.
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Iāve realised having changed offices with work closer to home, Iāll never really get chance to use my Greggs now which was the main perk of the Max plan, making money back on it.
Anyone use Lloyds enough to earn ~Ā£10 a month via everyday extras? Or would it be quite tricky to achieve?
Iād make money back quicker if I utilised the Morrisons online cashback which ranges from 5%\10% regularly. Annual midweek delivery pass is Ā£40 a year too so probably work out cheaper than me driving to go shopping all the time 
Iāve been contemplating downgrading from Perks to Extra and then got carried away with the 2026 saving challenge and now cannot be arsed to downgrade cos Iāll need to claim the free Network Railcard soon. 
Think I claimed <10 Greggs treats last year and never even been to Vue cinema. I work in a Greggs city with loads of homeless people being around so the free treats might be handy for them one day.
The craziest cashback Iāve got from Halifax is Ā£12 (not 12%
) for a Ā£16 Riverford delivery. 
It really depends if the offers matches your spending behaviour. Contemplating opening a NatWest Reward account for joint spending.
Iāve just realised I should have paid for my Loop earplugs with Halifax instead cos thereās a 10% cashback but I canāt be sad any longer about missing out on Ā£3.99. 
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I just activate all the cash back offers and hope for the best, but shuffling to Morrisons delivery I could easily make a chunk of my Ā£11.50 back each month, if not all of it.
Just to close the loop on this, I visited a branch (thereās one literally a few mins walk away from my office) they looked on the computer and it was indeed genuine. Phoning telephone banking they advised me it was because Iād added the card on Uber and it triggered some sort of fraud block on online usage as I hadnāt responded to the automated calls. We went through the recent transactions and the block was lifted. Interestingly, they seem to have off-shored some of their contact centre staff for the āroutineā queries, you seem to get transferred to the UK for fraud etc.
Canāt complain about the cashback though, works really smoothly and paid in on the first day of the calendar month. Also, for anyone that has more than 1 card with Lloyds you can also redistribute the credit limits easily, my oldest and first CC is with Lloyds but I didnāt use it but have kept the card open, so itās handy to shift it around to one I use, and the Ultra is my primary one now.
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I alternate between accounts depends if I can remember thereās cashback for my purchases. Iāve noticed Monzo has many similar offers to LBG, just different in percentage and dates sometimes.
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I rarely check the Monzo ones tbh, Lloyds gives far more choice.
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True. I like my spare changes ASAP so Monzo is preferred if they have identical deals, cos Monzo pays your cash back immediately when the purchase has been debited from your account, where as LBG pays a lump sum for all cash back at the start of the following month if you used your debit card, or the start of the month following your full credit card repayment, which could take 56 days from the billing date.
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Ah does it come early following month with Lloyds? I always thought it was like the end of the following month 
Idk if each user has different billing dates, but mine is 15th every month, payment is required by the 9th/10th of the following month.
E.g. payments made before 15 Jan goes on Januaryās statement and needs to be paid by 9/10 Feb, cashback will be end of Feb; payments from 16th Jan goes on Feb statement to be paid by 9/10 March and cashback paid end of March.
Debit card cash backs are always end of following month because they got your cash within 2 working days.
Ps: Sorry for the confusion, yes I meant end of next month
Apologies, I donāt use a credit card at all, only debit.
Odd they work differently but historically run off different systems so really no surprise
I get why the cash back cycles are different for credit cards though. They canāt pay back your cash before youāve repaid your debt.
I was proper confused when I used my credit card for Hotels.com and didnāt see my cash back until the month following my statementās repayment.
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Sorry if this has been asked before, I know the Ā£250 are not for other LBG account holders, but can a Halifax user get the Ā£50 Refer a Friend from a Lloyds user?
If youāre opening a Lloyds account, yes.
Switching within Group means youāre ineligible for the Ā£250.
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Iām switching from another banking group but I have Halifax credit cards, can I still get the Ā£250 reward?
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As long as itās a new Lloyds account and thereās no other accounts within Lloyds ie forgotten accounts. Thereās no exclusion for having accounts within the wider Group.
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I think it comes down to what is available each month. Sometimnes I have 90+ offers active but donāt shop at any of the retailers or the cahback reward is so low to generate anything meaningful, most are also single use only.
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I did last month, but largely from 5% at LNER and Uber and having a fair bit of work travel that Iām allowed to book myself.
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