Switching to HSBC

Gspree

Hi, I've hit most banks with the exception of HSBC and I want to switch my Halifax account to them for their tasty £175 (my Halifax account was one I kept open merely to collect the £5pm but that's since dwindled to £2...).

The only problem I can think of it I switched to First Direct for their juicy switch offer back in January 2018. I know both FD and HSBC share their FSCS amount... do you think I'll be exempt from receiving the switching bonus from HSBC if I switch now? I think there was a caveat about this which I read, but I think it's only if you've been with HSBC before switching to FD?

Thanks in advance

colsten

As a serial switcher, you'd be proficient in reading and understanding the switch offer T&Cs? Do they say you aren't eligible if you had, or have, an FD account?

Gspree

Any helpful replies?

YorkshireBoy

Gspree wrote: »

Any helpful replies?

I'll have a try...

do you think I'll be exempt from receiving the switching bonus from HSBC if I switch now.

No I don't. Helpful?

ceredigion

Gspree wrote: »

Any helpful replies?

T&C's
2.
b
*1
foot note

colsten

Gspree wrote: »

Any helpful replies?

Yes, sure. Read the switch offer T&Cs, as they determine whether you are eligible or not. This Forum doesn't.

[Deleted User]

Gspree wrote: »

Any helpful replies?

How hard is it to read the T&C's? Not sure why the forum should help lazy people who can't be bothered to do the bare minimum of research.

tempus_fugit

Gspree wrote: »

Thanks... but I don't seem to be able to find that footnote in the T&C's?

And to the rest of you !!!!!! intent on replying with your unhelpful crap I've known people to get hit with no switch incentive because of a previous bank they were with and there was nothing in the T&C's. I'm really asking for advice from anyone else who has the done these switches in this order.

If you haven't got something useful to say then keep it to yourself.

BIB, I doubt that is actually the case as they wouldn't get away with not paying the incentive based on something that's not in the T&Cs. I suspect they didn't read them properly or read the wrong ones. I've switched numerous times and always got the incentive because I had read and understood the T&Cs before I did them.