Santander £130 switch offer

The_Green_Hornet

cinereus said:

phillw said:

cinereus said:

What does "set up at least 2 active Direct Debits" mean?

Does it count if, on day 60,

a) there are two active DDs that were already on the Santan account?
b) two DDs were set up by the CASS?
c) two new DDs need to be manually set up after the switch completion?

Active direct debits are usually ones setup or taken in the last 12/13 months, after that I guess they become inactive.

I would phone them if you are unsure, then if they give you bad advice then you can complain and get compensation.

That's not what active means. Active just means that they are due to be taken out the following month.

There is no official definition for an active Direct Debit only for an inactive one.

https://www.directdebit.co.uk/FAQs/Pages/InactiveDirectDebits.aspx

Logic would dictate that if a DD doesn't meet the criteria for being inactive then it must be active.

Fingerbobs

cinereus said:

phillw said:

cinereus said:

What does "set up at least 2 active Direct Debits" mean?

Does it count if, on day 60,

a) there are two active DDs that were already on the Santan account?
b) two DDs were set up by the CASS?
c) two new DDs need to be manually set up after the switch completion?

Active direct debits are usually ones setup or taken in the last 12/13 months, after that I guess they become inactive.

I would phone them if you are unsure, then if they give you bad advice then you can complain and get compensation.

That's not what active means. Active just means that they are due to be taken out the following month.

Not all Direct Debits are taken every month, and some are taken more frequently than once a month.

There is apparently no universal definition of "Active" but the logical definition would be a Direct Debit whose dormancy period has not expired, i.e. it has either been set up or used within the last 13 months, and has not been cancelled.

tg99

cinereus said:

phillw said:

cinereus said:

What does "set up at least 2 active Direct Debits" mean?

Does it count if, on day 60,

a) there are two active DDs that were already on the Santan account?
b) two DDs were set up by the CASS?
c) two new DDs need to be manually set up after the switch completion?

Active direct debits are usually ones setup or taken in the last 12/13 months, after that I guess they become inactive.

I would phone them if you are unsure, then if they give you bad advice then you can complain and get compensation.

That's not what active means. Active just means that they are due to be taken out the following month.

Philw and The Green Horne are correct. Active does not just mean that they are due the following month (for example that would rule out many quarterly and annual direct debits). A direct debit is active from the point when it is set up before the first payment is taken and usually becomes inactive after 12-13 months if no payment is taken (as noted above). I looked into this issue a number of years ago for a couple of bank switch incentive offers that required ‘active direct debits’ and both banks involved confirmed that the above was correct.

1977dave

My switch from Nationwide to existing Santander completed today, I've fulfilled all the criteria so just need to wait for the £130 now

jimjames

cinereus said:

What does "set up at least 2 active Direct Debits" mean?

Does it count if, on day 60,

a) there are two active DDs that were already on the Santan account?
b) two DDs were set up by the CASS?
c) two new DDs need to be manually set up after the switch completion?

I would certainly say b & c were qualifying. a) is more doubtful if they were already on the account as they wouldn't have been "setup" after the switch despite being active

soulsaver

jimjames said:

cinereus said:

What does "set up at least 2 active Direct Debits" mean?

Does it count if, on day 60,

a) there are two active DDs that were already on the Santan account?
b) two DDs were set up by the CASS?
c) two new DDs need to be manually set up after the switch completion?

I would certainly say b & c were qualifying. a) is more doubtful if they were already on the account as they wouldn't have been "setup" after the switch despite being active

You could revisit the terms, which are helpfully linked on page one, which will clarify the DD requirement.

qwert10

Wondering if anybody knows can the £1000 be paid from my other Santander account?

Ghostcrawler

qwert10 said:

Wondering if anybody knows can the £1000 be paid from my other Santander account?

no you cannot its in the t&c

anna42hmr

Ghostcrawler said:

qwert10 said:

Wondering if anybody knows can the £1000 be paid from my other Santander account?

no you cannot its in the t&c

Sorry if i have missed something, but where in the terms of the switch does it state it needs to be from an external account, as they state:

1. 2.3  Within 60 days of you instructing us to start the switch to the Qualifying Account, you will also need to have:

   1. 2.3.1  successfully completed the switch, which includes closing the account not held with us;

   2. 2.3.2  at least two active Direct Debits in place on the Qualifying Account;

   3. 2.3.3  funded your Qualifying Account with at least £1,000 (either by one or more deposits); and

   4. 2.3.4  logged onto Santander Online or Mobile Banking at least once.

      
      

      
      

      I have not seen anywhere else that specifically states cannot be from a Santander account that the £1k must be paid in from? I have paid mine in from an external account anyway, but cannot see any where it explicitly states this.  
      

PRAISETHESUN

@anna42hmr I agree - I've funded from an external account but also can't see how the terms could be interpreted at excluding internal Santander transfers.

It's possible that they are instead referencing the £500/monthly pay in required to get cashback on the 123/123 Lite account(s) which "does not include refunded amounts from your Santander Debit card or amounts transferred into the account from another Santander account in your name (including any joint accounts)".

https://www.santander.co.uk/assets/s3fs-public/documents/123_current_account_key_facts_document_april_2021.pdf