To switch, haggle, or neither?

YorkshireBoy

hadders93 wrote: »

I think that is the plan - my partner is also planning on switching to Nationwide so if I switch first I can capitalise on the 5% interest and the switching bonus for getting her to join :beer:

With £400 at stake, make sure the plan is sound.

giocoforzauno

hadders93 wrote: »

Hi all,

I've been doing some long-overdue reviewing of my bank accounts and am thinking about whether it is time to switch my current account. I currently bank only with TSB, but set up my account long before the new £10/m rewards came into play - the only account benefit I get is 3% on my first £1500.

Having had a look online I've been thinking about switching to the Nationwide FlexDirect account (although this isn't set in stone). However, I have a few questions about this process as I've only ever banked with TSB and have never switched accounts before. So please bear with me!

1) Do I need to switch? If I could get that extra £10 a month from TSB that new customers are offered, there would be no point in switching. If I called them up saying I was thinking of switching, is it likely I'd be offered this in an effort to retain my custom?

2) How would switching my current account affect my other TSB accounts? I currently have a graduate account there which I want to keep for the overdraft, plus a monthly saver, plus a TSB credit card (which I barely ever use). If I paid my salary into a new current account, would they close or change the conditions on any of these other accounts? If my net balance with them was negative because I use their 0% graduate overdraft, would that impact my credit rating?

3) Could I just open a new current account in tandem? Would there be any advantage to setting up a separate new current account with Nationwide (for example), and keeping them both open?

Thanks in advance for any help. And sorry for the long list of questions - I've just started a new job so everything is a bit manic currently, and I wanted to seek some expert help before jumping into anything like this!

Hi, if you are thinking to change bank there is a promo with FinecoBank that is an on line bank arrived in UK recently, and the promo expires just today. I've posted the code in the "Referrers" section of this forum. It has credit card and also trading services if you need. I can't post the code here so if you are interested visit the apposite section of this forum. I'm italian, and I have this bank from several years.

It is simply to use and the web site graphic is very user friendly.

The Bank offer:
Multicurrency account for banking and trading
GBP and EUR Debit Cards
No monthly account management fees
No currency conversion fees when paying and withdrawing in Euro using your EUR Card (for the first card)

Uk members can't have the code because it's about a Italian Bank member that present a UK member to the bank. I'm Italian and so I have the code if your are interested, as I read, to open another current account. The code has no limit for the guest for being used, but only for the Host (for me, as maximum 20 joiners) so you are sure to get the cash bonus. I hope you will appreciate it.


REMEMBER the last promo day is TODAY 10th August.

Bye :rotfl:

schiff

Arrivederci Gioco

giocoforzauno

schiff wrote: »

Arrivederci Gioco

..........
:hello:

schiff

You're wearing your gioconda smile

giocoforzauno

schiff wrote: »

You're wearing your gioconda smile

Yeah, but the smile only.


Because the rest ...the painting.... has remained in France.... at the Louvre!

Oh Leonardo mio che hai fatto!