Can I still switch but not to completely close the other account

mrsmsebastian

My hubby and myself have joint current account at Nationwide, all our bills debited from this account and both our salaries goes into it. My husband wants to do the switch and move all his bills and his salary and of course wants to get the bonus of switching. I want to remain with Nationwide as I have been with them since 2012. Is it possible to switch and get the bonus for my husband but I will keep Nationwide account for myself? 

YorkshireBoy

In a word, no.

emmajones1976

YorkshireBoy said:

In a word, no.

Well in another word, yes: if you open the new account but choose NOT to use the switching service, and move all the direct debits yourself. You will likely not receive the switching bonus doing it this way though.

soulsaver

Yorks Boy's right, but hubby can open a new Nationwide ac put a few £££s in and switch that in a couple of days and get any switching bonus, assuming it doesn't need DDs, Santander, currently, for example, can be added after the switch.

If it does then he'll need to generate them prior to initiating the switch, by moving some accross from the joint ac or searching on here. There are plenty of threads discussing options, like the PO savings ac. up to March when they stop offering the DD deposit facility

EarthBoy

emmajones1976 said:

YorkshireBoy said:

In a word, no.

You will likely not receive the switching bonus doing it this way though.

There's no "likely" about it. You will definitely not receive the switching bonus unless you use the Current Account Switch Service, which includes closing your old account.

mrsmsebastian

emmajones1976 said:

YorkshireBoy said:

In a word, no.

Well in another word, yes: if you open the new account but choose NOT to use the switching service, and move all the direct debits yourself. You will likely not receive the switching bonus doing it this way though.

he wants to take advantage of the bonus. Do you think I can ask our bank t separate our accounts then he can just switch whenever he wants?

emmajones1976

mrsmsebastian said:

emmajones1976 said:

YorkshireBoy said:

In a word, no.

Well in another word, yes: if you open the new account but choose NOT to use the switching service, and move all the direct debits yourself. You will likely not receive the switching bonus doing it this way though.

he wants to take advantage of the bonus. Do you think I can ask our bank t separate our accounts then he can just switch whenever he wants?

You would be better off opening your own with the Nationwide first, yes. 

YorkshireBoy

To be clear, which account is he wanting to switch to for "the bonus of switching"?

soulsaver

soulsaver said:

Yorks Boy's right, but hubby can open a new Nationwide ac put a few £££s in and switch that in a couple of days and get any switching bonus, assuming it doesn't need DDs, Santander, currently, for example, can be added after the switch.

If it does then he'll need to generate them prior to initiating the switch, by moving some accross from the joint ac or searching on here. There are plenty of threads discussing options, like the PO savings ac. up to March when they stop offering the DD deposit facility

ETA some more you may have missed.

YorkshireBoy

emmajones1976 said:

mrsmsebastian said:

emmajones1976 said:

YorkshireBoy said:

In a word, no.

Well in another word, yes: if you open the new account but choose NOT to use the switching service, and move all the direct debits yourself. You will likely not receive the switching bonus doing it this way though.

he wants to take advantage of the bonus. Do you think I can ask our bank t separate our accounts then he can just switch whenever he wants?

You would be better off opening your own with the Nationwide first, yes. 

The account remaining for hubby would still be a joint. And a joint to sole switch isn't possible.

[Deleted User]

He could open a FlexAccount in his sole name and switch that to his desired bank then manually switch his salary/ DDs

He could then stay on the joint Nationwide account but not use it or you could remove him to make it a solo account.

All relationships are different - when I worked in banking, I'd say the most common arrangements were 2 x single and 1 x joint , 1 x joint or 2 x single.