Switch incentives - how to know if i've already claimed?

jungleboy123

Hello,

Been doing the bank switch rodeo in past years. Before the banks got clever, they would let you switch all the time (good times).

Now most banks say you cant have had reward since xxx or at any time...

How can i find out which banks i have switched to and for what period? I've been doing this so serially and not keeping record very well that i've completely forgotten. There may even be accounts that still have the cashback sitting in it

My MSE Club Experian doesnt really come up with much apart from credit cards and accounts wiv overdraft.

Thanks.

WillPS

• Check credit records - remember to check 'closed accounts'
• Search emails (search something like [bank name] application)

Neither is perfect but these should help jog your memory. If in doubt, apply again. Worst they will do is refuse to payout.

jungleboy123

WillPS said:

• Check credit records - remember to check 'closed accounts'
• Search emails (search something like [bank name] application)

Neither is perfect but these should help jog your memory. If in doubt, apply again. Worst they will do is refuse to payout.

I'll have a look. Good combo, nice detective thinking here, thanks.

penners324

Check your emails....

PRAISETHESUN

For accounts that are still open, I find going through transaction history/statements and looking for transactions marked as "switcher" or "incentive" can also be useful. I guess you could also submit a DSAR to the bank(s) concerned if you are really desperate.

jungleboy123

PRAISETHESUN said:

For accounts that are still open, I find going through transaction history/statements and looking for transactions marked as "switcher" or "incentive" can also be useful. I guess you could also submit a DSAR to the bank(s) concerned if you are really desperate.

What's A DSAR?

eskbanker

jungleboy123 said:

PRAISETHESUN said:

For accounts that are still open, I find going through transaction history/statements and looking for transactions marked as "switcher" or "incentive" can also be useful. I guess you could also submit a DSAR to the bank(s) concerned if you are really desperate.

What's A DSAR?

Data Subject Access Request, which is a legal entitlement you have under the Data Protection Act, allowing access to personal data held about you by any institution - you'll find details of how to submit one within any bank's published privacy policy.

https://ico.org.uk/for-the-public/getting-copies-of-your-information-subject-access-request/

kaMelo

Also for future reference keep your own list. It doesn't have to be anything special, just four columns will do, five if your keeping tabs for a couple. Saves having to go rooting through emails and statements.
  
Date    /   Who    /   From    /   To    /   Amount

Nasqueron

kaMelo said:

Also for future reference keep your own list. It doesn't have to be anything special, just four columns will do, five if your keeping tabs for a couple. Saves having to go rooting through emails and statements.
  
Date    /   Who    /   From    /   To    /   Amount

Agreed, it's very simple and unless you routinely delete old emails, switches from the last 5 years or so should be easy to work out, I have mine all the way back to December 2019 for my first

jungleboy123

kaMelo said:

Also for future reference keep your own list. It doesn't have to be anything special, just four columns will do, five if your keeping tabs for a couple. Saves having to go rooting through emails and statements.
  
Date    /   Who    /   From    /   To    /   Amount

I tried this but it gets hard when im doing it for family members. Also every account needs about 50 logins, pin numbers, favourite foods etc.

This is why i never want to be an accountant!

eskbanker

jungleboy123 said:

kaMelo said:

Also for future reference keep your own list. It doesn't have to be anything special, just four columns will do, five if your keeping tabs for a couple. Saves having to go rooting through emails and statements.
  
Date    /   Who    /   From    /   To    /   Amount

I tried this but it gets hard when im doing it for family members.

The obvious answer being not to do it for family members if you (or they) are unable to keep on top of the associated admin!