Got a Lloyds TSB account? Get money for nothing

bendabomb

EMS asks if they will get stung for bank charges if the rounded up change puts them overdrawn. It states in the blurb that will not happen; they only transfer the change if there is enough there.
I registered today and they don't start matching my amount until February. As I am going to be working abroad for a couple of months from 21 jan I am not going to get to use my card at all.
I didn't have to transfer £250 to open the account either.
I will keep the account open because it might be a useful way of saving pennies. Without the temptation of smashing the piggy-bank open halfway through the month!

rachelandgromit

I'm with Lloyds at the mo, bt in process of reclaiming bank charges from them so may possibly close account after that.

I'm sure I saw an advert in Halifax window saying they give you cashback on each purchase on your debit card, but I might be wrong. Anyone know anything about this;

sarahlouise210

bendabomb wrote:

EMS asks if they will get stung for bank charges if the rounded up change puts them overdrawn. It states in the blurb that will not happen; they only transfer the change if there is enough there.
I registered today and they don't start matching my amount until February. As I am going to be working abroad for a couple of months from 21 jan I am not going to get to use my card at all.
I didn't have to transfer £250 to open the account either.
I will keep the account open because it might be a useful way of saving pennies. Without the temptation of smashing the piggy-bank open halfway through the month!

woops pressed thanks by mistake:o ..anyway,,I always use my debit card abroad ..are you going somewhere where you cannot do this?? I wonder if cash withdrawals will count as the commision charge or exchange rate will mean that you are not taking out an exact pound

gunton10

got mine just all signed up and sorted

thepearce

rachelandgromit wrote:

I'm with Lloyds at the mo, bt in process of reclaiming bank charges from them so may possibly close account after that.

I'm sure I saw an advert in Halifax window saying they give you cashback on each purchase on your debit card, but I might be wrong. Anyone know anything about this;

Yup - I have a Halifax moneyback current account/debit card. I actually work for HBOS (Halifax) too so I get some privilleges - one of them being no minimum funding requirements. You would need to fund with £1,000 per month. Cashback is 1% on the first £10,000 spend in a year (so £100 max) and then it's 0.1%.

Interest is usually not great but if you are paying in £1,000/month you get 5% I think. All details here : http://halifax.co.uk/bankaccounts/moneyback.shtml

I had a cashback credit card with smile previously but they kept reducing cashback so now I use this card for most purchases. In some ways it's good as you can pay for things and get cashback at on some purchases that usually incur a credit card fee (ie holidays).

teedy23

this could be used with the boots botanics offer, 99p for a bar of botanics soap get a moisturiser free, and these are worth from £3- £8. any boots babe will tell you that, and get 100 points back for voucher in mag

teedy23

oops just realized that only gives you a penny each time for banking, wrong way round, but your not paying really so you could sell the moisturiser and put that in the bank

ali99

Hi All

This is probably a silly question but I am not sure how to do the paying 1p to yourself with paypal? I have a paypal account for if I buy something on ebay, but I don't really understand what else I can do on paypal?

Thanks
Ali

56cheffy

Don't forget this starts tomorrow!:T

Another way of doing things!

When doing your weekly shop at the supermarket, keep an eye on the running total, when it's £?'s and a few pence, ask cashier to stop, pay, then start again!

jammiev

t and c's says you can't be overdrawn, but does this mean at the time of the transaction? as i am only overdrawn for 2 weeks in the month, so if i use my switch while in credit will it work then?

also if i register my switch debit card on pay-pal and buy stuff on ebay will it work?

:beer: