Yes, it did annoy me a bit that they removed that, but it wasnāt that much money in interest so it certainly wasnāt a deal breaker.
Nothing to stop you opening another account elsewhere to earn interest anyway, so as you say not a dealbreaker.
Iāve opened a Santander for the Ā£130, application was referred and surprisingly given a Ā£350 overdraft for the first time in 7 years.
Upgraded to 123 Lite account and moving debits across slowly for the extra £40 a year cashback after monthly fee.
Going to be using Chase for debit card spending as 1% cashback on majority daily spend for a year plus 5% interest on round ups (eventually).
The Santander app is basic, but practical. I got caught out by their security monitoring for transferring £1k in and back out again, only took a 20 min call and all was resolved, no issues.
Spend/debit notifications for Santander would be the dream just so I know when everything is coming out but having the overdraft allows room for error.
Contact centre teams seem friend enough and easy to deal with, live chat also responsive.
The different countries that Santander operates in do seem to be treated quite differently. The apps all appear to be different, different countries have different card designs, and the US has in-app cheque imaging but the UK one doesnāt.
Decided to take advantage of the Nationwide offer and switch to it as an existing member. Itās a relatively dormant account, I use it for my mortgage and house insurance payments, purely because both of those are with nationwide
keeps everything nice and neat. The extra Ā£125 will be a nice wee bonus. And because I donāt use the account for any regular payments (monzo is my main) then the whole pin pad thing doesnāt really bother me too much now.
Cute bunny
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I finally managed how to rename and re order my accounts via the web interface of Santander, makes me feel better theyāre reorganised ![]()
You canāt do transaction notifications in the U.K., but you can set balance alerts to be delivered via text message through online banking.
I know itās quite old-school, and not as good, but if you set a minimum balance alert it would be useful to be notified when you go below it.
I did set the debit transaction alert up so when my bills come out over Ā£50 itāll tell me, probs switch it off though as doubt its useful or informative
I had an old Halifax account Iād be meaning to close for ages, but never got round to as you had to write instead of being able to do it online. I moved a couple of direct debits to it and switched it to Nationwide to get the bonus. Once thats done Iāll give Lloyds a go (the offer expires on 19th October)
Can you switch Lloyds to Halifax as theyāre part of the same group? To receive the bonus that is.
Not sure if the terms advise if possible?
Update: just checked and yes you can still get the bonus.
Iāve completed nationwide and Lloydās and received the bonuses.
Santander and RBS switched, but need to wait for their bonuses.
Thatās them all exhausted for me now.
Time to settle my credit report down a bit ![]()
Iāve hit all the triggers for the Santander switch as of today so Iām curious to know how long before the Ā£130 comes.
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Within 60 days of telling us to switch your account, youāll need to complete the switch, set up 2 active Direct Debits, pay in Ā£1,000 and log on to Online or Mobile Banking.
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Weāll take care of your switch, using the Current Account Switch Service. 60 days after you tell us to switch your account, weāll check to make sure you are eligible and then pay Ā£130 cashback into your account within the next 30 days
Iāve done all the above, so I wonder, is it 30 days from yesterday they check the switch completed and pay the money? As my switch fully completed yesterday.
Iāve switched too. I think itās within 60-90 days (max).
Edit: so I started the switch on the 16th Sep so between 15th Nov and 15th Dec for me.
3.1 We will assess the Qualifying Account 60 days after the
switch has been instructed to decide whether you have
qualified for the Switcher Offer and the Cashback Payment
under these Terms. If you qualify, we will make the Cashback
Payment to you within the next 30 days following our
decision.
Thatās quite the time frame. It says within the switch being instructed, as you can choose up to 60 days in advance I think? I may be wrong.
Iāll keep updated
Iām guessing the 60 days is to make sure you arenāt doing the quick switch and switch away and also to check the two DDs are active too.
I reading it as 60 days from the date you made the application to switch rather than the date it switched. They then check and give an up to 30 days to expect the payment. So Iām hoping its nearer the 60 rather than the 90.
Its a shame they canāt just run the check every day until valid rather than once on the 60th day.
I havenāt spotted any congrats emails or alerts to say Iāve met the conditions.
Iāve not received any indication of notification, I just know Iāve reached all the correct triggers.
I think itāll be an automated script checking once at that 60 day point from the instruction to switch. So in theory the best outcome is getting paid on day 60
Im guessing day 60-65 depending on how its paid.
How are you convinced itāll be sooner? ![]()

