Bank Switch Incentive - Finding banks you previously switched to

J_SewkeF

Hello all.

Quick question, wanted to understand how you find out which banks you have previously switched to/from. I've done this multiple times for the incentives provided and some bank accounts like HSBC suggest that as long as you haven't had an account with them since 2020, then you can get the incentive.

I'm just wondering how you find out which banks you were with and when. I believe via experian credit expert and getting a credit report, that lists the different bank accounts but was wondering if there was another way of doing it without having to pay the monthly fee (not a new customer so don't get the free month trial).

Any thoughts/Ideas would be great.

Thanks,

ForumUser7

J_SewkeF said:

Hello all.

Quick question, wanted to understand how you find out which banks you have previously switched to/from. I've done this multiple times for the incentives provided and some bank accounts like HSBC suggest that as long as you haven't had an account with them since 2020, then you can get the incentive.

I'm just wondering how you find out which banks you were with and when. I believe via experian credit expert and getting a credit report, that lists the different bank accounts but was wondering if there was another way of doing it without having to pay the monthly fee (not a new customer so don't get the free month trial).

Any thoughts/Ideas would be great.

Thanks,

I believe a statutory credit report would fulfil your needs, and this is free. You can get these from each reference agency.

Alternatively you can register with MSE Credit Club to view your Experian report free of charge, credit karma to view your trans union report free of charge, or ClearScore to view your equifax report free of charge.

Lloyds Banking Group also allows you to view transunion through the app, and NatWest Group allows limited viewing of it too.

None of these would show if you got switch bonuses, but you could look at when accounts opened and closed to try and figure it out. Along with any emails, letters, statements etc.

Zanderman

You could, from now on, keep a record yourself.

It's not difficult to do, but I'm constantly surprised that people (including, sometimes, myself, so I'm not judging you OP, just observing!) don't.

After all it's just a note of a date, the two banks involved, and the switch incentive. Just 4 simple bits of info. Not even a full line on a piece of A4. 

As I said in reply to a similar query a week or so ago you could email simply those 4 bits of info to yourself, keep the email in your mailbox and just reply back to it every time you switch again, so you have an online record that you constantly update.

J_SewkeF

Really helpful information to the both of you, thank you.