Halifax Offer £135 to switch

swindiff

Not sure. I had an individual and a joint, no problem with opening another individual account.

ceredigion

SlovakianGuy wrote: »

Ahhh OK How many Nationwide accounts can a single individual actually have? (sorry for offtopic)

six…………………….

masonic

SlovakianGuy wrote: »

Not sure about this. My friend switched to NatWest for £100 this summer. I'm switching right now for £125. That's an increase.

Halifax just increased the bonus from £75 to £135. Yeah, £200 seems unlikely, but maybe £150 .. but it's not worth waiting so I'll switch now

Yes, there are periodic peaks and troughs, but the peaks are getting shallower and the troughs deeper. In this case I think the 'bird in the hand' approach is wise.

aj23_2

SlovakianGuy wrote: »

Finally! I'm tempted to switch now. But it is possible that they could increase the bonus even more? There was a £200 bonus in 2015 from them. I wonder if there's any chance they will introduce it again.

If this is the offer then I doubt they will increase it.

Brewer20

badger09 wrote: »

Thanks, but you missed out this:

'You are not eligible for the offer if you have previously received any other offer or benefits for switching to a Halifax bank account at any point since January 2012.'

Sadly, that rules many of us out, so quite important;)

And you can't switch a BoS account to it. So that's me out but I can do it with the NatWest one I have sitting doing nowt.:)

SlovakianGuy

OK, account opened online today, the switch process will start a bit later. I hope they'll pay the bonus.


Seems like they perform a hard check on credit file even if you don't apply for overdraft facility. My credit report was updated today, right after I applied. It shows this search:

Bank Of Scotland Plc (Sr, Sa, Tac)
Halifax Personal Current Accounts 7.2 (Cr Bsb Api)
Checking Credit Application

badger09

SlovakianGuy wrote: »

OK, account opened online today, the switch process will start a bit later. I hope they'll pay the bonus.


Seems like they perform a hard check on credit file even if you don't apply for overdraft facility. My credit report was updated today, right after I applied. It shows this search:

Bank Of Scotland Plc (Sr, Sa, Tac)
Halifax Personal Current Accounts 7.2 (Cr Bsb Api)
Checking Credit Application

This is standard practice when opening a current account as it is possible to go overdrawn without having an agreed overdraft;)

MisterMotivated

Have several Reward current accounts with Halifax and an idle account elsewhere that I was planning to close, so have arranged the switch today as never had a switch bonus from Halifax before

SlovakianGuy

badger09 wrote: »

This is standard practice when opening a current account as it is possible to go overdrawn without having an agreed overdraft;)

Not sure about that... As far as I know, most banks only perform a soft check which doesn't leave a negative mark on your credit report. I will see on my Experian and Equifax reports 2 weeks later. I'll let you know if I don't forget

badger09

SlovakianGuy wrote: »

Not sure about that... As far as I know, most banks only perform a soft check which doesn't leave a negative mark on your credit report. I will see on my Experian and Equifax reports 2 weeks later. I'll let you know if I don't forget

Care to explain what you mean by a 'negative mark'?

Are you talking about some made up number/scale/% credit 'score'?