Ideas for 10 small online debit card transactions please

HillStreetBlues

I used Paypal, pay a friend  X 10 and they simply returned the money,  took a couple of minutes.

juw8e7

Not currently in UK. Abroad on a work assignment so I cant be buying Carrots. I was thinking maybe adding funds to T212 account. Do they accept £1 as a minimum at a time?

WillPS

Appreciate this idea is a little niche - I've most recently found the easiest route for small debit card transactions to be making £1 payments towards future Haven holidays.

HedgehogRulez

20 x £1 payments to Octopus works for me

flaneurs_lobster

WillPS said:

Appreciate this idea is a little niche - I've most recently found the easiest route for small debit card transactions to be making £1 payments towards future Haven holidays.

I've always assumed that there is a fee paid by the retailer whenever a card is used for payment (flat fee? %?) which is why some of the BS have been known to have a hissy fit with persistent £1 depositors. 

Are you not concerned about Haven doing similar? 

I'm perfectly happy shoving 1p debit card transactions through PayPal or individual grapes at Tesco or topping up NatSavings accounts by a quid but I'd be a little more wary if it were a payee I might actually miss,

Having said that, I've just paid a deposit on a Jet2 hol for next year, pretty sure they allow the balance to be similarly reduced.

Edit : Jet2 min payment is £10.

Nasqueron

Nebulous2 said:

I rarely spend on debit cards, certainly not 10 transactions a month, but I found it quite easy.

Some grocery shopping, split a small basket into smaller transactions. We were also doing some long distance driving during the promotion, and simply paid fast food meals at motorway service stations separately, then went and bought two separate coffees. That gave four transactions in one stop. 

I'm not a believer in pushing my luck during these promotions - ten carrots is too extreme for me, but I wouldn't create expenditure for the sake of it either.

I'm considering changing to the packaged bank account, the European breakdown cover is attractive and if the underwriting is okay I'd be paying less for the package than I currently am for travel insurance. So I could end up with a long-term relationship with them.  

There is no "pushing your luck", the promotion requires 10 debit card spends, 10 carrots is 10 debit card spends and thus fits the rules - there is no minimum spend or type of spend. It costs you maybe 20-30p which is great if you are not looking to use that account for main spending e.g. if you have cashback on another card

Nasqueron

slinger2 said:

The 10 carrots idea is not for me. Managed the 40 transactions quite easily over the 4 months or so. Single food purchases in supermarkets, birthday cards, stamps, a few cups of coffee, etc. Total spend about £90, so lost a bit in cashback but compared to the £175: a drop in the ocean.

£90 spend to get £175 plus factoring in lost cashback income is not "a drop in the ocean", it's a big jug pouring into a bucket. 20p on carrots and normal spend getting cashback is a drop in the ocean. This is MSE hence the suggestions on how to maximise income and minimise spend. If you want to do it that way that is fine but the best way to operate for profit is to do the absolute bare minimum spend.

Eco_Miser

Nasqueron said:

slinger2 said:

The 10 carrots idea is not for me. Managed the 40 transactions quite easily over the 4 months or so. Single food purchases in supermarkets, birthday cards, stamps, a few cups of coffee, etc. Total spend about £90, so lost a bit in cashback but compared to the £175: a drop in the ocean.

£90 spend to get £175 plus factoring in lost cashback income is not "a drop in the ocean", it's a big jug pouring into a bucket. 20p on carrots and normal spend getting cashback is a drop in the ocean. This is MSE hence the suggestions on how to maximise income and minimise spend. If you want to do it that way that is fine but the best way to operate for profit is to do the absolute bare minimum spend.

The £90 would be spent anyway, it's just the cashback on £90 that's lost, what's that? 90p, £3.60? "a drop in the ocean" compared to £175. 

slinger2

Eco_Miser said:

Nasqueron said:

slinger2 said:

The 10 carrots idea is not for me. Managed the 40 transactions quite easily over the 4 months or so. Single food purchases in supermarkets, birthday cards, stamps, a few cups of coffee, etc. Total spend about £90, so lost a bit in cashback but compared to the £175: a drop in the ocean.

£90 spend to get £175 plus factoring in lost cashback income is not "a drop in the ocean", it's a big jug pouring into a bucket. 20p on carrots and normal spend getting cashback is a drop in the ocean. This is MSE hence the suggestions on how to maximise income and minimise spend. If you want to do it that way that is fine but the best way to operate for profit is to do the absolute bare minimum spend.

The £90 would be spent anyway, it's just the cashback on £90 that's lost, what's that? 90p, £3.60? "a drop in the ocean" compared to £175. 

Exactly. The £90 isn't wasted. I'm buying the birthday cards, etc anyway. What's lost in my case is 1.5% cashback = £1.35. So less than 1% of the £175.

Got my last £25 this morning. Hanging on to the account for the 7% regular saver.

Nasqueron

Eco_Miser said:

Nasqueron said:

slinger2 said:

The 10 carrots idea is not for me. Managed the 40 transactions quite easily over the 4 months or so. Single food purchases in supermarkets, birthday cards, stamps, a few cups of coffee, etc. Total spend about £90, so lost a bit in cashback but compared to the £175: a drop in the ocean.

£90 spend to get £175 plus factoring in lost cashback income is not "a drop in the ocean", it's a big jug pouring into a bucket. 20p on carrots and normal spend getting cashback is a drop in the ocean. This is MSE hence the suggestions on how to maximise income and minimise spend. If you want to do it that way that is fine but the best way to operate for profit is to do the absolute bare minimum spend.

The £90 would be spent anyway, it's just the cashback on £90 that's lost, what's that? 90p, £3.60? "a drop in the ocean" compared to £175. 

Strange way to view an ocean if you see £3.60, or 2% of £175 as a drop as opposed to 20p or 0.1% of £175

Missing out on cashback to avoid spending 5 minutes buying a few carrots is not the MSE way!