TSB Spend & Save - now only 20 debit card transactions needed per month for £5 1 February at 1:13PM edited 1 February at 1:58PM in Budgeting & bank accounts 21 replies 1.4K views

WillPS

cymruchris said:

Bojax said:

Excuse me, but what is the "£1 a day topup method" mentioned?

I've set an Amazon account to auto-topup my gift card balance £1 daily. I spend over £30 a month on the platform - so that works for me.

@Bojax The method is exactly this so long as you use Amazon it's a very easy way of fulfilling the requirement, and now it's down to 20 days you can safely forget about it (you can do a £1 daily, £7/week or £26/month standing order in to your TSB Spend & Save to ensure the account has enough money in there).

PloughmansLunch

I do use Amazon on an irregular basis but it's usually paid for from the house/joint account and I'd rather not faff about withdrawing money to a personal account to compensate and risk the ire of Mrs.PloughmansLunch.

I tried Revolut and a) it mentioned further payments would have a small fee; and b) £1 via Apple Pay didn't work anyway.

NS&I website insists I have already registered my email address with them but I cannot log in, and CS can't find any account details so that method is out for now.

I have a Yorkshire BS internet saver but have a feeling they wouldn't be too happy with tiny transactions every month. Are there any other quick options for debit card payments to myself? 

WillPS

PloughmansLunch said:

I do use Amazon on an irregular basis but it's usually paid for from the house/joint account and I'd rather not faff about withdrawing money to a personal account to compensate and risk the ire of Mrs.PloughmansLunch.

I tried Revolut and a) it mentioned further payments would have a small fee; and b) £1 via Apple Pay didn't work anyway.

NS&I website insists I have already registered my email address with them but I cannot log in, and CS can't find any account details so that method is out for now.

I have a Yorkshire BS internet saver but have a feeling they wouldn't be too happy with tiny transactions every month. Are there any other quick options for debit card payments to myself? 

Water bill is one I've seen mentioned. Handy as they don't have the option of dumping you if they really don't like it.

Most companies probably won't be too happy with manufactured spend and tiny transactions, although it's probable that bigger merchants will have lower/no 'per transaction' fixed fees.

PloughmansLunch

WillPS said:

PloughmansLunch said:

I do use Amazon on an irregular basis but it's usually paid for from the house/joint account and I'd rather not faff about withdrawing money to a personal account to compensate and risk the ire of Mrs.PloughmansLunch.

I tried Revolut and a) it mentioned further payments would have a small fee; and b) £1 via Apple Pay didn't work anyway.

NS&I website insists I have already registered my email address with them but I cannot log in, and CS can't find any account details so that method is out for now.

I have a Yorkshire BS internet saver but have a feeling they wouldn't be too happy with tiny transactions every month. Are there any other quick options for debit card payments to myself? 

Water bill is one I've seen mentioned. Handy as they don't have the option of dumping you if they really don't like it.

Most companies probably won't be too happy with manufactured spend and tiny transactions, although it's probable that bigger merchants will have lower/no 'per transaction' fixed fees.

I fixed my NS&I account now - because my mum set me up as a guardian for the premium bonds she bought for my children I ended up with a weird account profile. NS&I CS got to the bottom of it and changed it to full so I’ve wazzed 20 x £1 into a Direct Saver. Is there any way of tracking the TSB reward for the month a la Halifax?

WillPS

PloughmansLunch said:

WillPS said:

PloughmansLunch said:

I do use Amazon on an irregular basis but it's usually paid for from the house/joint account and I'd rather not faff about withdrawing money to a personal account to compensate and risk the ire of Mrs.PloughmansLunch.

I tried Revolut and a) it mentioned further payments would have a small fee; and b) £1 via Apple Pay didn't work anyway.

NS&I website insists I have already registered my email address with them but I cannot log in, and CS can't find any account details so that method is out for now.

I have a Yorkshire BS internet saver but have a feeling they wouldn't be too happy with tiny transactions every month. Are there any other quick options for debit card payments to myself? 

Water bill is one I've seen mentioned. Handy as they don't have the option of dumping you if they really don't like it.

Most companies probably won't be too happy with manufactured spend and tiny transactions, although it's probable that bigger merchants will have lower/no 'per transaction' fixed fees.

I fixed my NS&I account now - because my mum set me up as a guardian for the premium bonds she bought for my children I ended up with a weird account profile. NS&I CS got to the bottom of it and fixed it so I’ve wazzed 20 x £1 into a Direct Saver. Is there any way of tracking the TSB reward for the month a la Halifax?

Count the number of debit card transactions on OLB/app. Remember only the date they post/complete (not the date of the transaction itself) is considered when determining £5 cashback eligibility; a transaction on the last couple of working days of the month will likely post next month (even though it shows in 'pending' immediately).

Aidanmc

PloughmansLunch said:

I do use Amazon on an irregular basis but it's usually paid for from the house/joint account and I'd rather not faff about withdrawing money to a personal account to compensate and risk the ire of Mrs.PloughmansLunch.

I tried Revolut and a) it mentioned further payments would have a small fee; and b) £1 via Apple Pay didn't work anyway.

NS&I website insists I have already registered my email address with them but I cannot log in, and CS can't find any account details so that method is out for now.

I have a Yorkshire BS internet saver but have a feeling they wouldn't be too happy with tiny transactions every month. Are there any other quick options for debit card payments to myself? 

I think i read somewhere you can top up your Paypal account (need to link TSB to Paypal)using their app, but this doesn't work on desktop/laptop unfortunately.

WillPS

Aidanmc said:

PloughmansLunch said:

I do use Amazon on an irregular basis but it's usually paid for from the house/joint account and I'd rather not faff about withdrawing money to a personal account to compensate and risk the ire of Mrs.PloughmansLunch.

I tried Revolut and a) it mentioned further payments would have a small fee; and b) £1 via Apple Pay didn't work anyway.

NS&I website insists I have already registered my email address with them but I cannot log in, and CS can't find any account details so that method is out for now.

I have a Yorkshire BS internet saver but have a feeling they wouldn't be too happy with tiny transactions every month. Are there any other quick options for debit card payments to myself? 

I think i read somewhere you can top up your Paypal account (need to link TSB to Paypal)using their app, but this doesn't work on desktop/laptop unfortunately.

You can only add money to your PayPal account via the app (and I think possibly only from Bank Accounts, which is useful for DD creation purposes).

You can send money to family and friends for free from either the website or app. I wouldn't do this 20 times a month unless you don't care if PayPal were to close your accounts tho.

PloughmansLunch

Aidanmc said:

PloughmansLunch said:

I do use Amazon on an irregular basis but it's usually paid for from the house/joint account and I'd rather not faff about withdrawing money to a personal account to compensate and risk the ire of Mrs.PloughmansLunch.

I tried Revolut and a) it mentioned further payments would have a small fee; and b) £1 via Apple Pay didn't work anyway.

NS&I website insists I have already registered my email address with them but I cannot log in, and CS can't find any account details so that method is out for now.

I have a Yorkshire BS internet saver but have a feeling they wouldn't be too happy with tiny transactions every month. Are there any other quick options for debit card payments to myself? 

I think i read somewhere you can top up your Paypal account (need to link TSB to Paypal)using their app, but this doesn't work on desktop/laptop unfortunately.

App only allows you to top-up your wallet from bank accounts. Friends and family payments can be done by debit card. I’ve not tried that method but could be a way of getting the £5 for 20p. 

jokono

WillPS said:

You can send money to family and friends for free from either the website or app. I wouldn't do this 20 times a month unless you don't care if PayPal were to close your accounts tho.

Well, I just made 20 x 5p friends and family payments and was coming here to see if this would count as the 20 transactions I needed for the cash back. Why would paypal close my account, is there anything in their t&cs I'm going against?

Ed-1

jokono said:

WillPS said:

You can send money to family and friends for free from either the website or app. I wouldn't do this 20 times a month unless you don't care if PayPal were to close your accounts tho.

Well, I just made 20 x 5p friends and family payments and was coming here to see if this would count as the 20 transactions I needed for the cash back. Why would paypal close my account, is there anything in their t&cs I'm going against?

No but then there doesn't need to be. They reserve the right to close your account for any reason they want.