Switching to Lloyds

danco

I want to switch to Lloyds for the bonus, and have created a secondary account to my Chase account to switch from. All went well until the last step in the switch where I am asked for some debit card details.

The trouble is that the only debit card I have with Chase is associated with my primary account, not the secondary account I am switching from. I could move the card to my secondary account, but then I would lose it in the switch, which I don't want. I'm wondering how people have dealt with this.

I notice that the NatWest group in their switching have an option of "no debit card" but I didn't see that in the Lloyds one

steven141

You just change the card in the Chase app to be spent from that account and then put in your Chase debit card number. It will automatically revert to spending from your other account once it closes. 

danco

Thanks. I feared the card would get cancelled during the switch, as it would be associated with the acount that was being closed.

danco

Well, the process is going ahead. But I note that they require 2 active direct debits to be switched. I do have three debits set up, but because this was a secondary account, no payment has yet been taken for these debits. Does anyone know if this counts as active for Lloyds? As far as I have been able to find out, banks vary in their definition of active. If humans do any checking, I reckon the fact that one is to Octopus Energy and another to Thames Water should be enough to count them as active even if no money has been taken yet.

FarmGirl78

As far as my understanding goes, "active" direct debit means one that has either been paid in the last 13 months, or set up in the last 13 months. This is to catch direct debits which are set to only collect annually (and allow for those that may just lapse into the following month).

quicksilverfox

Anyone else not have to do any ID checks/verification when applying for a new account through the Lloyds app? This must be the first bank that didn't ask me for id or photo.