Switching Dilemma - Personal to Joint

Silver:Courage

I want to move some of my house direct debits from my personal accounts to my joint account. Is there a way to 'switch' and get the incentives but only with some of the direct debits on my account and without closing my personal account? Wondering if I could 'switch' to a high rewarding account then do a second switch into my joint account where I've previously received the incentives. TIA

Emmia

I think if they're both existing accounts you'd need to move the DDs manually. Switching is normally for new accounts.

grumpy_codger

Emmia said:

.... Switching is normally for new accounts.

Do you mean switching bonuses?

Silver:Courage said:

I want to move some of my house direct debits from my personal accounts to my joint account. Is there a way to 'switch' and get the incentives but only with some of the direct debits on my account and without closing my personal account? 

Switching means full switching and closing the old account -https://www.currentaccountswitch.co.uk/

Wondering if I could 'switch' to a high rewarding account then do a second switch into my joint account where I've previously received the incentives. TIA

By 'rewarding' do you mean a switching bonus? If so, why stop on one switch when you can be a serial switcher. Leave your main account(s) alone and switch special 'donor' account(s). Sole to sole, not joint,

PRAISETHESUN

Some banks allow you to do a "partial switch" where only select payments are moved and your old account remains open. This process has less protections if something goes wrong and no guarantees on the timescales. It would be better in my mind to move your payments across manually.

Also, switch incentives payments typically involve you doing a full switch, which will close your account. The best option here is to open a secondary current account and switch that instead.

Additionally, you're also better off doing sole switches for each joint account holder rather than switching into a joint account. Most offers, Nationwide being the notable exception, will only pay out once per account. Two sole switches will get 2 payments instead of a joint switch which will only get 1 payment but it counts as both account holders being paid.