TSB £200 switch offer July 2023

PloughmansLunch

If solely using the Spend & Save to make £1 card deposits into savings then another option is to keep, say, £20.17 in the account. When your balance after pending is £0.17 (and you get a nagging SMS saying you're close to your limit) then you know you're done. Wait a few days for the card payments to clear then wing them back to TSB again ready to do the rounds for next month.

PixelPound

wiseonesomeofthetime said:

nic_c said:

How do you check how many qualifying debit card payments you done. 

On Halifax you have to spend £500 to get the £5 bonus, but the app tells you how far along you are. Can't see anything in the tsb app. 

Thankfully, I can count to twenty, so I just look at my transaction feed and count them up. There are no other debit transactions on the feed, so far.

Post switch, there will be at least another three entries. One for the £500 deposit, and two for the direct debits. Most likely a fourth tbh, as I move the majority of that £500 back out

It was more are there debit card transaction they don't count. I know in branch bill payment, but in app? 

WillPS

MikeJXE said:

Apple Pay takes the 16 digit card number and thats how you pa

Account numbers are not taken by Apple in fact some cards don't have the account number on them 

Also an aside I did read somewhere the retailer doesn't even get the card number Apple converts it to a code of some sort and sends the code.  

Every debit card has an underlying account identifier which actually holds the money. Natwest Group don't print account numbers but there's nothing to stop you giving the account number/sort code to PayPal and making a payment that way (which will leave your account as a DD).

wiseonesomeofthetime

nic_c said:

Wesker said:

Yawn said:

Anyone else having problems applying? I get to the online banking details page, where they ask me to choose a username and password but I get the error "service unavailable". So I basically had to abandon the application, even though I had already been credit checked. 

I applied about a week ago. Downloaded the app as was hoping to apply and set up switch in one go.
For some reason the app wouldn't accept my email address so ended up applying on the website.
Had to wait a few days for my activation code in the post so I could log into the app, but couldn't see how to start the switch process so ended up on the website again to start the switch.
Communication has been limited compared to other switches I have done but I did have an email confirming I'd completed the switch form. 
Trying to complete the 20 transactions a month for the extra fiver but proving a bit hard as haven't received my pin number for the card yet   

I added mine to google pay without pin and successfully used it to both pay and to top up my Chip account so far. Also done some transfers into my 2 YBS accounts. Not sure if multiple card uses at the same merchant might flag something.

On the switch you get the email confirming the form completed. I got a text from their switching team a couple of days later saying received switch and will contact when starting the switch.

You jinxed it 🤣🤣

Ten debit card transactions to building society accounts and Revolut go unnoticed, however, after two each in Lidl and Poundland yesterday, followed by Lidl today, my card gets blocked, but I don't find out until I try to pay for shopping in Aldi 🤦‍♂️🤷‍♂️

20 minutes on the phone to TSB before I pass the Fraud Team questions, including the "Are you being pressurised in making the payment?" I said, "What? To Aldi? No they not forcing me to shop there, in fact I've just also shopped at Sainsbury's, using a card from a reliable bank" 🤣🤣

PixelPound

wiseonesomeofthetime said:

nic_c said:

Wesker said:

Yawn said:

Anyone else having problems applying? I get to the online banking details page, where they ask me to choose a username and password but I get the error "service unavailable". So I basically had to abandon the application, even though I had already been credit checked. 

I applied about a week ago. Downloaded the app as was hoping to apply and set up switch in one go.
For some reason the app wouldn't accept my email address so ended up applying on the website.
Had to wait a few days for my activation code in the post so I could log into the app, but couldn't see how to start the switch process so ended up on the website again to start the switch.
Communication has been limited compared to other switches I have done but I did have an email confirming I'd completed the switch form. 
Trying to complete the 20 transactions a month for the extra fiver but proving a bit hard as haven't received my pin number for the card yet   

I added mine to google pay without pin and successfully used it to both pay and to top up my Chip account so far. Also done some transfers into my 2 YBS accounts. Not sure if multiple card uses at the same merchant might flag something.

On the switch you get the email confirming the form completed. I got a text from their switching team a couple of days later saying received switch and will contact when starting the switch.

You jinxed it 🤣🤣

Ten debit card transactions to building society accounts and Revolut go unnoticed, however, after two each in Lidl and Poundland yesterday, followed by Lidl today, my card gets blocked, but I don't find out until I try to pay for shopping in Aldi 🤦‍♂️🤷‍♂️

20 minutes on the phone to TSB before I pass the Fraud Team questions, including the "Are you being pressurised in making the payment?" I said, "What? To Aldi? No they not forcing me to shop there, in fact I've just also shopped at Sainsbury's, using a card from a reliable bank" 🤣🤣

Maybe someone kidnapped you and took you from budget shop to budget shop.

Well I've a credit card shop to pay off, so will make several small payments and see. 

Wesker

wiseonesomeofthetime said:

@Wesker If you have savings accounts with Yorkshire Building Society or Skipton Building Society (there will be others) you can make debit card deposits into them without the PIN.

I have done ten, over three days, to five accounts within those two, plus £10 to Revolut via Google Pay, which you can also set up without PIN.

Just an idea.

I haven't got any savings accounts with those 2, I have topped up my gas and electric online, also my mobile phone. I made an online order with Boots that I was going to do anyway. I have finally received my pin number so all is good. Made a small purchase from a mini Sainsburys to activate the pin, so now have just over a week to make 15 more transactions. Shouldn't be too hard 

pecunianonolet

Got my card today and online access data. Looks like my 3rd current account has been set up under a new profile and has not been merged (yet) to my existing profile. SHould I ask them to merge or keep seperate. Would there be any advantes/disadvantages either way?

PixelPound

pecunianonolet said:

Got my card today and online access data. Looks like my 3rd current account has been set up under a new profile and has not been merged (yet) to my existing profile. SHould I ask them to merge or keep seperate. Would there be any advantes/disadvantages either way?

Mine said they were setting up a new temporary profile and they would eventually merge. My account now shows in my original profile. 

pecunianonolet

nic_c said:

pecunianonolet said:

Got my card today and online access data. Looks like my 3rd current account has been set up under a new profile and has not been merged (yet) to my existing profile. SHould I ask them to merge or keep seperate. Would there be any advantes/disadvantages either way?

Mine said they were setting up a new temporary profile and they would eventually merge. My account now shows in my original profile. 

When did you apply? I applied last Saturday, also upgraded one account to a Spend & Save Plus and my other old account I was unable to upgrade since always getting an error message. 

DiamondLil

Does anyone know if the direct debits on the donor account need to have actually made payments or do they just need to be "active" ?

I have direct debits set up on my donor account but the first payments won't be made until next month. Don't want to wait and find the TSB have withdrawn the switch offer, but also don't want to apply if it's too soon.