Virgin Money Cashback Switch Offer August 2022

MisterMotivated

Yes, I was also told it was down to some sort of systems issue, though I didn't get any sort of resolution timeframe, just that they would contact me when it was sorted.

ForumUser7

Bridlington1 said:

ForumUser7 said:

Bridlington1 said:

Bridlington1 said:

overspender22 said:

My cashback has still stayed in ‘future’ so it must be an issue with everyone’s accounts. Unless anyone has had their £160 paid?

Thank heavens it's not just my technical curse then. Mine is still stuck in the "future" cashback section despite 52 days passing since I made my first eligible transaction. I spent over hour on hold on the phone to them the other day only for them to hang up on me. After a further hour and a half on hold I was told to fill in a missing cashback form. I have filled one in and will give them until Thursday before I complain. Hopefully I will be able to get a bit of extra cash on top as an apology. With a bit of luck I will also be told to go into branch, in which case I will be able to get free bus travel again.

I've just received 2 identical emails from Virgin money:

Virgin Money Cashback

BRIDLINGTON1, thanks for getting in touch about the cashback you were expecting from VM Bank Funded Offer. Good news – we've had a look and the money's now showing in your Virgin Money Cashback account. Enjoy your cashback and keep an eye on the app for new offers. The team at Virgin Money

We're a sociable bunch, follow us

What a complete waste of time that was. I shall make a complaint as soon as I have at least 2 solid hours to spare in which I can sit listening to that accursed hold music.

Bridlington1, in relation to the complaint you will make (just to give you a heads up really), I filed a complaint with Virgin Money 16 weeks ago in relation to my current account, and it's not like a particularly difficult one that should even have to go to a specialist team. (For any forumites who are unaware, Financial Institutions are supposed to resolve complaints within 8 weeks, so I am now eligible to go to the FOS, but that is quite a long process currently too). They haven't even allocated it yet to a handler, I just keep getting holding letters. Hopefully you have better luck with this process!

*EDIT* My last holding letter dated 11th October requests a further 4 weeks for a resolution, bringing it to 8th November. I have no faith that it'll even be resolved by that date to be completely honest, and no one is even able to say how many complaints are in the queue still ahead of mine. Even to the level of tens, hundreds, thousands... At some stage I will have to take it to the FOS, but don't want to take away their ability to deal with another complaint for someone else instead that is in deadlock... VMs customer service seems to be very poor, and certain aspects have slipped even further in the past few months in my personal opinion.

Thanks for the heads up. I have had issues with Virgin money earlier this year and discovered just how ghastly their customer service is back then. I went though about 6 different departments in the end and on 2 occasions I was on hold for nearly 2 hours only to be told the department I was trying to get through to had closed a few minutes earlier. I switched my old account to Nationwide back in March hence why I was able to get this switching offer. I have found Virgin Money to be one of the worst banks I have dealt with, coming second only to HSBC.

With your complaint, have you been able to get any transport costs associated with going into a branch refunded? I had a complaint with TSB recently and was able to get the cost of the bus fare to my local branch refunded so every time I needed to go anywhere on the bus I was able to give them a ring, wait for them to tell me to go into branch and then purchase an all day bus ticket. Since TSB have now resolved my complaint a 16 week plus timescale for Virgin Money could be a blessing in disguise.

@Bridlington1 - Sorry, just seen your reply as I did not get notified by MSE forums.

It's pretty shocking yes, I remember I had a payment with them held once and it took nearly 40 minutes to get through to that team! No where near as bad as your experience though. I tend to find that building societies (the smaller ones) tend to offer great customer service, and most banks don't - I've had some pretty good experiences with Starling recently though, fast reply times etc.

Sorry, I haven't needed to get transport! My branch is like 30 minutes walk away, and with COVID and all I tend to walk rather than taking public transport. Part of my complaint is in relation to having to take several trips to the branch as part of my account opening process. I was told it would be one trip to give ID, then the branch would call me to open my account and take details etc. In the end I think I had to make maybe 4, or even 5 visits, as they kept forgetting to give me papers I needed to sign, and they also decided they couldn't open it over the phone due to security or procedure or something. I have pressed to get additional compensation for all the wasted time (1 hour of walking for each trip, and also time in the branch each time), but the case handler will decide about that apparently, and they cannot do anything so far, just got to wait and wait. When I had a TSB complaint several months ago, (I was not required to go into branch), the handler's and people who took the calls in that team really seemed to care and be apologetic about the issues. On the other hand, Virgin Money keeps fobbing me off each time. I had been using Virgin Money as my main current account, but I stopped due to their poor service.

Maybe if they say you need to go to branch, try and get the cost of the ticket refunded before you buy it - knowing Virgin, they'll say you can have it but then if you get through to someone else when you call up, withdraw it as the advisor 'incorrectly interpreted procedure'. Hopefully someone with experience in relation to virgin reimbursing transport costs can help get this ironed out though!

overspender22

Cheers for the update. I shall still make a complaint I think, it’s bad customers are having to chase them!

pfpf

My September cashback has now moved to payable. Thanks for all the updates.

MisterMotivated

Woke up this morning to my cashback being available.  Now let's see how long it takes to redeem...

overspender22

Half of mine is also now showing In available. 

Bridlington1

ForumUser7 said:

Bridlington1 said:

ForumUser7 said:

Bridlington1 said:

Bridlington1 said:

overspender22 said:

My cashback has still stayed in ‘future’ so it must be an issue with everyone’s accounts. Unless anyone has had their £160 paid?

Thank heavens it's not just my technical curse then. Mine is still stuck in the "future" cashback section despite 52 days passing since I made my first eligible transaction. I spent over hour on hold on the phone to them the other day only for them to hang up on me. After a further hour and a half on hold I was told to fill in a missing cashback form. I have filled one in and will give them until Thursday before I complain. Hopefully I will be able to get a bit of extra cash on top as an apology. With a bit of luck I will also be told to go into branch, in which case I will be able to get free bus travel again.

I've just received 2 identical emails from Virgin money:

Virgin Money Cashback

BRIDLINGTON1, thanks for getting in touch about the cashback you were expecting from VM Bank Funded Offer. Good news – we've had a look and the money's now showing in your Virgin Money Cashback account. Enjoy your cashback and keep an eye on the app for new offers. The team at Virgin Money

We're a sociable bunch, follow us

What a complete waste of time that was. I shall make a complaint as soon as I have at least 2 solid hours to spare in which I can sit listening to that accursed hold music.

Bridlington1, in relation to the complaint you will make (just to give you a heads up really), I filed a complaint with Virgin Money 16 weeks ago in relation to my current account, and it's not like a particularly difficult one that should even have to go to a specialist team. (For any forumites who are unaware, Financial Institutions are supposed to resolve complaints within 8 weeks, so I am now eligible to go to the FOS, but that is quite a long process currently too). They haven't even allocated it yet to a handler, I just keep getting holding letters. Hopefully you have better luck with this process!

*EDIT* My last holding letter dated 11th October requests a further 4 weeks for a resolution, bringing it to 8th November. I have no faith that it'll even be resolved by that date to be completely honest, and no one is even able to say how many complaints are in the queue still ahead of mine. Even to the level of tens, hundreds, thousands... At some stage I will have to take it to the FOS, but don't want to take away their ability to deal with another complaint for someone else instead that is in deadlock... VMs customer service seems to be very poor, and certain aspects have slipped even further in the past few months in my personal opinion.

Thanks for the heads up. I have had issues with Virgin money earlier this year and discovered just how ghastly their customer service is back then. I went though about 6 different departments in the end and on 2 occasions I was on hold for nearly 2 hours only to be told the department I was trying to get through to had closed a few minutes earlier. I switched my old account to Nationwide back in March hence why I was able to get this switching offer. I have found Virgin Money to be one of the worst banks I have dealt with, coming second only to HSBC.

With your complaint, have you been able to get any transport costs associated with going into a branch refunded? I had a complaint with TSB recently and was able to get the cost of the bus fare to my local branch refunded so every time I needed to go anywhere on the bus I was able to give them a ring, wait for them to tell me to go into branch and then purchase an all day bus ticket. Since TSB have now resolved my complaint a 16 week plus timescale for Virgin Money could be a blessing in disguise.

@Bridlington1 - Sorry, just seen your reply as I did not get notified by MSE forums.

It's pretty shocking yes, I remember I had a payment with them held once and it took nearly 40 minutes to get through to that team! No where near as bad as your experience though. I tend to find that building societies (the smaller ones) tend to offer great customer service, and most banks don't - I've had some pretty good experiences with Starling recently though, fast reply times etc.

Sorry, I haven't needed to get transport! My branch is like 30 minutes walk away, and with COVID and all I tend to walk rather than taking public transport. Part of my complaint is in relation to having to take several trips to the branch as part of my account opening process. I was told it would be one trip to give ID, then the branch would call me to open my account and take details etc. In the end I think I had to make maybe 4, or even 5 visits, as they kept forgetting to give me papers I needed to sign, and they also decided they couldn't open it over the phone due to security or procedure or something. I have pressed to get additional compensation for all the wasted time (1 hour of walking for each trip, and also time in the branch each time), but the case handler will decide about that apparently, and they cannot do anything so far, just got to wait and wait. When I had a TSB complaint several months ago, (I was not required to go into branch), the handler's and people who took the calls in that team really seemed to care and be apologetic about the issues. On the other hand, Virgin Money keeps fobbing me off each time. I had been using Virgin Money as my main current account, but I stopped due to their poor service.

Maybe if they say you need to go to branch, try and get the cost of the ticket refunded before you buy it - knowing Virgin, they'll say you can have it but then if you get through to someone else when you call up, withdraw it as the advisor 'incorrectly interpreted procedure'. Hopefully someone with experience in relation to virgin reimbursing transport costs can help get this ironed out though!

40 minutes is very quick for Virgin Money. Whenever I have rung them (several occasions now), I have been lucky to get through within an hour. I too have found smaller building societies to be great with customer service and have had more hassle with Virgin money than I've had with my 16 (if my mathematics serves me correctly) building societies combined.

My local TSB branch is only 5 miles away but given that they said that they would reimburse the cost of any transport costs associated with going into branch regarding my complaint I decided to travel in style and go by bus, hence why I asked about transport costs in my earlier post.  also I found TSB to be very apologetic and to be fair I did get £75 out of them so not a complete waste of time. It was mainly the adobe sign forms they kept asking me to fill in to prove my ID that drove me up the wall. I've found TSB's IT systems to be awful though. TSB's technical systems have gone bezerk since I opened a second current account with them in such a way that they make Virgin Money's technical systems seem fit for purpose. Admittedly I do seem to have a habit of sending anything technical doolally and I have become known as the gremlin at my local TSB branch as a result of this, but every other bank I have used have managed to at least function properly, whereas TSB was having none of it for a good couple of months. Luckily I don't really have a main current account as such these days, more a cluster of about 3 main(ish) accounts and 12 other satellite accounts so I can effectively "isolate" accounts if need be and sort out any difficulties such as this when I have more time on my hands. 

Bridlington1

overspender22 said:

Half of mine is also now showing In available. 

Mine is as well. Nearly 3 weeks late in my case so I think it's fair to say Virgin Money's time keeping needs to be improved a bit.

ForumUser7

Bridlington1 said:

ForumUser7 said:

Bridlington1 said:

ForumUser7 said:

Bridlington1 said:

Bridlington1 said:

overspender22 said:

My cashback has still stayed in ‘future’ so it must be an issue with everyone’s accounts. Unless anyone has had their £160 paid?

Thank heavens it's not just my technical curse then. Mine is still stuck in the "future" cashback section despite 52 days passing since I made my first eligible transaction. I spent over hour on hold on the phone to them the other day only for them to hang up on me. After a further hour and a half on hold I was told to fill in a missing cashback form. I have filled one in and will give them until Thursday before I complain. Hopefully I will be able to get a bit of extra cash on top as an apology. With a bit of luck I will also be told to go into branch, in which case I will be able to get free bus travel again.

I've just received 2 identical emails from Virgin money:

Virgin Money Cashback

BRIDLINGTON1, thanks for getting in touch about the cashback you were expecting from VM Bank Funded Offer. Good news – we've had a look and the money's now showing in your Virgin Money Cashback account. Enjoy your cashback and keep an eye on the app for new offers. The team at Virgin Money

We're a sociable bunch, follow us

What a complete waste of time that was. I shall make a complaint as soon as I have at least 2 solid hours to spare in which I can sit listening to that accursed hold music.

Bridlington1, in relation to the complaint you will make (just to give you a heads up really), I filed a complaint with Virgin Money 16 weeks ago in relation to my current account, and it's not like a particularly difficult one that should even have to go to a specialist team. (For any forumites who are unaware, Financial Institutions are supposed to resolve complaints within 8 weeks, so I am now eligible to go to the FOS, but that is quite a long process currently too). They haven't even allocated it yet to a handler, I just keep getting holding letters. Hopefully you have better luck with this process!

*EDIT* My last holding letter dated 11th October requests a further 4 weeks for a resolution, bringing it to 8th November. I have no faith that it'll even be resolved by that date to be completely honest, and no one is even able to say how many complaints are in the queue still ahead of mine. Even to the level of tens, hundreds, thousands... At some stage I will have to take it to the FOS, but don't want to take away their ability to deal with another complaint for someone else instead that is in deadlock... VMs customer service seems to be very poor, and certain aspects have slipped even further in the past few months in my personal opinion.

Thanks for the heads up. I have had issues with Virgin money earlier this year and discovered just how ghastly their customer service is back then. I went though about 6 different departments in the end and on 2 occasions I was on hold for nearly 2 hours only to be told the department I was trying to get through to had closed a few minutes earlier. I switched my old account to Nationwide back in March hence why I was able to get this switching offer. I have found Virgin Money to be one of the worst banks I have dealt with, coming second only to HSBC.

With your complaint, have you been able to get any transport costs associated with going into a branch refunded? I had a complaint with TSB recently and was able to get the cost of the bus fare to my local branch refunded so every time I needed to go anywhere on the bus I was able to give them a ring, wait for them to tell me to go into branch and then purchase an all day bus ticket. Since TSB have now resolved my complaint a 16 week plus timescale for Virgin Money could be a blessing in disguise.

@Bridlington1 - Sorry, just seen your reply as I did not get notified by MSE forums.

It's pretty shocking yes, I remember I had a payment with them held once and it took nearly 40 minutes to get through to that team! No where near as bad as your experience though. I tend to find that building societies (the smaller ones) tend to offer great customer service, and most banks don't - I've had some pretty good experiences with Starling recently though, fast reply times etc.

Sorry, I haven't needed to get transport! My branch is like 30 minutes walk away, and with COVID and all I tend to walk rather than taking public transport. Part of my complaint is in relation to having to take several trips to the branch as part of my account opening process. I was told it would be one trip to give ID, then the branch would call me to open my account and take details etc. In the end I think I had to make maybe 4, or even 5 visits, as they kept forgetting to give me papers I needed to sign, and they also decided they couldn't open it over the phone due to security or procedure or something. I have pressed to get additional compensation for all the wasted time (1 hour of walking for each trip, and also time in the branch each time), but the case handler will decide about that apparently, and they cannot do anything so far, just got to wait and wait. When I had a TSB complaint several months ago, (I was not required to go into branch), the handler's and people who took the calls in that team really seemed to care and be apologetic about the issues. On the other hand, Virgin Money keeps fobbing me off each time. I had been using Virgin Money as my main current account, but I stopped due to their poor service.

Maybe if they say you need to go to branch, try and get the cost of the ticket refunded before you buy it - knowing Virgin, they'll say you can have it but then if you get through to someone else when you call up, withdraw it as the advisor 'incorrectly interpreted procedure'. Hopefully someone with experience in relation to virgin reimbursing transport costs can help get this ironed out though!

40 minutes is very quick for Virgin Money. Whenever I have rung them (several occasions now), I have been lucky to get through within an hour. I too have found smaller building societies to be great with customer service and have had more hassle with Virgin money than I've had with my 16 (if my mathematics serves me correctly) building societies combined.

My local TSB branch is only 5 miles away but given that they said that they would reimburse the cost of any transport costs associated with going into branch regarding my complaint I decided to travel in style and go by bus, hence why I asked about transport costs in my earlier post.  also I found TSB to be very apologetic and to be fair I did get £75 out of them so not a complete waste of time. It was mainly the adobe sign forms they kept asking me to fill in to prove my ID that drove me up the wall. I've found TSB's IT systems to be awful though. TSB's technical systems have gone bezerk since I opened a second current account with them in such a way that they make Virgin Money's technical systems seem fit for purpose. Admittedly I do seem to have a habit of sending anything technical doolally and I have become known as the gremlin at my local TSB branch as a result of this, but every other bank I have used have managed to at least function properly, whereas TSB was having none of it for a good couple of months. Luckily I don't really have a main current account as such these days, more a cluster of about 3 main(ish) accounts and 12 other satellite accounts so I can effectively "isolate" accounts if need be and sort out any difficulties such as this when I have more time on my hands. 

@bridlington1 It's a shame really, you would've thought such a big company could operate better call centres. Whenever a smaller building society releases a rate that is competitive, even if it is the same as I am getting from a bank, I shift to the building society. Despite not offering 24/7 customer service, or instant deposits/withdrawals (both late on same WD, or on next WD), the standard of service available should I need it is much better.

That's handy with TSB. Also, interesting to note I too had technical problems once I opened a second CA with them. They automatically resolved after I uninstalled and reinstalled the app. You may have already tried this, but if the technical issues are still persisting might be worth a shot - may not fix it though.

I operate a main current account (and have quite a few spare ones that were required to open certain savings accounts) (transactions etc. I make from the same one), but I keep money mostly in savings and transfer across as needed. As you've said, having multiple CAs is helpful because if there are issues you can just use a different one in the mean time.

Bridlington1

ForumUser7 said:

Bridlington1 said:

ForumUser7 said:

Bridlington1 said:

ForumUser7 said:

Bridlington1 said:

Bridlington1 said:

overspender22 said:

My cashback has still stayed in ‘future’ so it must be an issue with everyone’s accounts. Unless anyone has had their £160 paid?

Thank heavens it's not just my technical curse then. Mine is still stuck in the "future" cashback section despite 52 days passing since I made my first eligible transaction. I spent over hour on hold on the phone to them the other day only for them to hang up on me. After a further hour and a half on hold I was told to fill in a missing cashback form. I have filled one in and will give them until Thursday before I complain. Hopefully I will be able to get a bit of extra cash on top as an apology. With a bit of luck I will also be told to go into branch, in which case I will be able to get free bus travel again.

I've just received 2 identical emails from Virgin money:

Virgin Money Cashback

BRIDLINGTON1, thanks for getting in touch about the cashback you were expecting from VM Bank Funded Offer. Good news – we've had a look and the money's now showing in your Virgin Money Cashback account. Enjoy your cashback and keep an eye on the app for new offers. The team at Virgin Money

We're a sociable bunch, follow us

What a complete waste of time that was. I shall make a complaint as soon as I have at least 2 solid hours to spare in which I can sit listening to that accursed hold music.

Bridlington1, in relation to the complaint you will make (just to give you a heads up really), I filed a complaint with Virgin Money 16 weeks ago in relation to my current account, and it's not like a particularly difficult one that should even have to go to a specialist team. (For any forumites who are unaware, Financial Institutions are supposed to resolve complaints within 8 weeks, so I am now eligible to go to the FOS, but that is quite a long process currently too). They haven't even allocated it yet to a handler, I just keep getting holding letters. Hopefully you have better luck with this process!

*EDIT* My last holding letter dated 11th October requests a further 4 weeks for a resolution, bringing it to 8th November. I have no faith that it'll even be resolved by that date to be completely honest, and no one is even able to say how many complaints are in the queue still ahead of mine. Even to the level of tens, hundreds, thousands... At some stage I will have to take it to the FOS, but don't want to take away their ability to deal with another complaint for someone else instead that is in deadlock... VMs customer service seems to be very poor, and certain aspects have slipped even further in the past few months in my personal opinion.

Thanks for the heads up. I have had issues with Virgin money earlier this year and discovered just how ghastly their customer service is back then. I went though about 6 different departments in the end and on 2 occasions I was on hold for nearly 2 hours only to be told the department I was trying to get through to had closed a few minutes earlier. I switched my old account to Nationwide back in March hence why I was able to get this switching offer. I have found Virgin Money to be one of the worst banks I have dealt with, coming second only to HSBC.

With your complaint, have you been able to get any transport costs associated with going into a branch refunded? I had a complaint with TSB recently and was able to get the cost of the bus fare to my local branch refunded so every time I needed to go anywhere on the bus I was able to give them a ring, wait for them to tell me to go into branch and then purchase an all day bus ticket. Since TSB have now resolved my complaint a 16 week plus timescale for Virgin Money could be a blessing in disguise.

@Bridlington1 - Sorry, just seen your reply as I did not get notified by MSE forums.

It's pretty shocking yes, I remember I had a payment with them held once and it took nearly 40 minutes to get through to that team! No where near as bad as your experience though. I tend to find that building societies (the smaller ones) tend to offer great customer service, and most banks don't - I've had some pretty good experiences with Starling recently though, fast reply times etc.

Sorry, I haven't needed to get transport! My branch is like 30 minutes walk away, and with COVID and all I tend to walk rather than taking public transport. Part of my complaint is in relation to having to take several trips to the branch as part of my account opening process. I was told it would be one trip to give ID, then the branch would call me to open my account and take details etc. In the end I think I had to make maybe 4, or even 5 visits, as they kept forgetting to give me papers I needed to sign, and they also decided they couldn't open it over the phone due to security or procedure or something. I have pressed to get additional compensation for all the wasted time (1 hour of walking for each trip, and also time in the branch each time), but the case handler will decide about that apparently, and they cannot do anything so far, just got to wait and wait. When I had a TSB complaint several months ago, (I was not required to go into branch), the handler's and people who took the calls in that team really seemed to care and be apologetic about the issues. On the other hand, Virgin Money keeps fobbing me off each time. I had been using Virgin Money as my main current account, but I stopped due to their poor service.

Maybe if they say you need to go to branch, try and get the cost of the ticket refunded before you buy it - knowing Virgin, they'll say you can have it but then if you get through to someone else when you call up, withdraw it as the advisor 'incorrectly interpreted procedure'. Hopefully someone with experience in relation to virgin reimbursing transport costs can help get this ironed out though!

40 minutes is very quick for Virgin Money. Whenever I have rung them (several occasions now), I have been lucky to get through within an hour. I too have found smaller building societies to be great with customer service and have had more hassle with Virgin money than I've had with my 16 (if my mathematics serves me correctly) building societies combined.

My local TSB branch is only 5 miles away but given that they said that they would reimburse the cost of any transport costs associated with going into branch regarding my complaint I decided to travel in style and go by bus, hence why I asked about transport costs in my earlier post.  also I found TSB to be very apologetic and to be fair I did get £75 out of them so not a complete waste of time. It was mainly the adobe sign forms they kept asking me to fill in to prove my ID that drove me up the wall. I've found TSB's IT systems to be awful though. TSB's technical systems have gone bezerk since I opened a second current account with them in such a way that they make Virgin Money's technical systems seem fit for purpose. Admittedly I do seem to have a habit of sending anything technical doolally and I have become known as the gremlin at my local TSB branch as a result of this, but every other bank I have used have managed to at least function properly, whereas TSB was having none of it for a good couple of months. Luckily I don't really have a main current account as such these days, more a cluster of about 3 main(ish) accounts and 12 other satellite accounts so I can effectively "isolate" accounts if need be and sort out any difficulties such as this when I have more time on my hands. 

@bridlington1 It's a shame really, you would've thought such a big company could operate better call centres. Whenever a smaller building society releases a rate that is competitive, even if it is the same as I am getting from a bank, I shift to the building society. Despite not offering 24/7 customer service, or instant deposits/withdrawals (both late on same WD, or on next WD), the standard of service available should I need it is much better.

That's handy with TSB. Also, interesting to note I too had technical problems once I opened a second CA with them. They automatically resolved after I uninstalled and reinstalled the app. You may have already tried this, but if the technical issues are still persisting might be worth a shot - may not fix it though.

I operate a main current account (and have quite a few spare ones that were required to open certain savings accounts) (transactions etc. I make from the same one), but I keep money mostly in savings and transfer across as needed. As you've said, having multiple CAs is helpful because if there are issues you can just use a different one in the mean time.

I think half the issue with big banks is that they are that big, the left hand doesn't know what the right hand is doing. Individual complaints tend to get lost in the system. I've found that the Islamic banks tend to be pretty good, though I've only used 2 Islamic banks so may have to test a couple more out before I can give a more well-rounded comment on them. I don't move money if a building society matches my existing rate, largely because I can't be bothered and there is no real benefit to me for doing so, but will shift my money if they beat it, even by a small amount.

TSB are notorious for technical difficulties, most notably in 2018. The issue in my case seems to stem from my having a split profile. I have uninstalled the app, reinstalled the app, reset my internet banking login details, re-registered for internet banking, the lot. I have found I have no issues with internet banking on my phone, it was just when I used my laptop it wouldn't let me do faster payments. They are still flummoxed to this day. In the end I reinstalled windows 10 onto my laptop and that seems to have fixed it for some reason.

How I operate my current accounts is based mostly on how to get as much money out of the banks as possible. My lack of a main current account has come unintentionally as a result.