Santander Debit Card

Archi_Bald

Toe-Jam wrote: »

Which is why I am happy on it, as it is far better than any of their current offerings.

That's a bit of a sweeping statement. Without specifying what your requirements are, it is quite meaningless.

For example, if you would like to get interest on your balance, and cashback on Direct Debits, and/or a contactless card, the Zero account is clearly not better than any of their current offerings.

If you are talking about using your debit card abroad, then yes, the Zero account is clearly better than any of their current offerings.

I therefore have both, a Zero with a normal debit card, and a 123 with a contactless card.

Toe-Jam

Archi_Bald wrote: »

That's a bit of a sweeping statement. Without specifying what your requirements are, it is quite meaningless.

For example, if you would like to get interest on your balance, and cashback on Direct Debits, and/or a contactless card, the Zero account is clearly not better than any of their current offerings.

If you are talking about using your debit card abroad, then yes, the Zero account is clearly better than any of their current offerings.

I therefore have both, a Zero with a normal debit card, and a 123 with a contactless card.

Sweeping or not, I do no feel of Santander's other products come close to the Zero Account. The 123 Account does not generate high enough cash back for me to warrant it being a good product. I would rather use the Halifax Reward account , it doesn't cost £2 a month and its a guaranteed £5 for doing nothing and I get 5% on a flex direct account for interest.

Like I said in my original post, I only use my Santander account for the 0% commission.

someone

Toe-Jam wrote: »

I am happy enough on Santander Zero. Its not my main account I just use it for travelling.

Did they not change the Ts&Cs to say it must be your main account otherwise they reserve the right to downgrade it.

Toe-Jam

someone wrote: »

Did they not change the Ts&Cs to say it must be your main account otherwise they reserve the right to downgrade it.

Yes but I also reserve the right to withdraw my savings if they do. So I guess we are mutually reserving our rights:D

iAMaLONDONER

someone wrote: »

Did they not change the Ts&Cs to say it must be your main account otherwise they reserve the right to downgrade it.

How can they tell if it REALLY is your main account?

Gizmo247

You have to keep a certain level of saving or have a mortgage to maintain qualification (in theory :-)). Kind of surprised they have not withdrawn the Zero account completely and downgraded them to Everyday accounts.

Toe-Jam

Gizmo247 wrote: »

You have to keep a certain level of saving or have a mortgage to maintain qualification (in theory :-)). Kind of surprised they have not withdrawn the Zero account completely and downgraded them to Everyday accounts.

Mine would be closed before the ink was dry on the warning letter if they did that. I suspect everyone else would be the same.

Considering the hefty investment you have to have to get it in the first place I don't think they would want a mass exodus of their investments.

Gizmo247

I'm not sure they care about deposits held outside of their 123 product.

Toe-Jam

Gizmo247 wrote: »

I'm not sure they care about deposits held outside of their 123 product.

Your kidding, they'd sell their nan to get you to take out an Investment Product. I distinctly remember the salivation as i was signing the forms. (I am assuming he didn't have rabies and was just pleased)

wizzywig27

Just an update, got my new cars today, starts 4547 and has silver numbers, so guessing it's an offline card