Cooperative Incentive Paid Today. Can I switch now?

sho_me_da_money

I switched 45 days ago to Cooperative and have just been paid my £100 notes incentive.

Can I switch to M&S now or will I be breaching any terms?

Already done the Halifax and FD switches.

Thanks,

YorkshireBoy

sho_me_da_money wrote: »

Can I switch to M&S now or will I be breaching any terms?

Short answer...yes you can, and no you won't.


Longer answer...the "terms" are there on their website so better to double check them...and the ones you agreed to when you switched to Co-op, in case they're different...rather than take the word of a stranger on the internet?

guesswho2000

^Agree with YB.

From experience though, I got the incentive a few months ago and have just recently binned it for First Direct, having not used it at all since the £100 was paid.

I will keep and use FD though and kept the Halifax account which I opened in 2012, the Co-op account has zero benefits though! Unless that pointless linked savings account is every of use to anyone!

castle96

I always keep the account open with £1 in it. You never know when you might 'need' the account for some offer or other

badger09

castle96 wrote: »

I always keep the account open with £1 in it. You never know when you might 'need' the account for some offer or other

But OP has already seen another offer, so what would be the point in keeping this account open with £1, rather using it as a 'switcher'?

YorkshireBoy

badger09 wrote: »

But OP has already seen another offer, so what would be the point in keeping this account open with £1, rather using it as a 'switcher'?

...and has also done all the currently available offers, with the possible exception of Nationwide refer-a-friend?


Plus, can possibly go back to Co-op from M&S in a couple of months?

guesswho2000

badger09 wrote: »

But OP has already seen another offer, so what would be the point in keeping this account open with £1, rather using it as a 'switcher'?

Indeed, I'd go ahead and switch to M&S, then keep the M&S for whatever offer is next (unless the free £100 overdraft is of benefit, or OP shops in M&S a lot).

SuperHan

YorkshireBoy wrote: »

...and has also done all the currently available offers, with the possible exception of Nationwide refer-a-friend?

Except the £100 M&S vouchers for switching offer...

YorkshireBoy

SuperHan wrote: »

Except the £100 M&S vouchers for switching offer...

That's the account the OP is switching to, so you can't count that one.


Perhaps I should have said "all the other currently available offers".