Have Completed All Possible Bank Switches.What Next???

IAMIAM

Same for me. 
I bank HSBC and First Direct
TSB being done now, Coop last month.
Nationwide/Lloyds/Natwest/Barclays have become too strict with no dates, just you cant have EVER had a switch cashback payment, which is a shame. My last nationwide switch payment was in 2020!

Bridlington1

IAMIAM said:

Same for me. 
I bank HSBC and First Direct
TSB being done now, Coop last month.
Nationwide/Lloyds/Natwest/Barclays have become too strict with no dates, just you cant have EVER had a switch cashback payment, which is a shame. My last nationwide switch payment was in 2020!

Santander? Also I was able to get switching offers from NatWest, RBS and Ulster despite only being meant to get one from the whole NatWest Group. Virgin could potentially come up with one though they seem to be much less frequent than they used to be.

Nasqueron

eskbanker said:

Nasqueron said:

Be interesting to see if someone could do a post tracking all these and update it after the next switch offer from that bank to see if it changes

https://forums.moneysavingexpert.com/discussion/6526050/an-archived-list-of-switching-offers

Right but that doesn't list what I said - a compilation of qualifying start dates. All well and good trailing through the archives, hoping they are listed but it's no use if they are not and by combining them, you could get an idea which banks might allow it again 

A forum thread that lists from when you can get the bonus 

e.g.

Nationwide switch offer 1/10/25
Not available if you had a switch since 1/10/22 

then next time

Nationwide switch offer 1/10/26
Not available if you had a switch since 1/10/23

EarthBoy

Nasqueron said:

eskbanker said:

Nasqueron said:

Be interesting to see if someone could do a post tracking all these and update it after the next switch offer from that bank to see if it changes

https://forums.moneysavingexpert.com/discussion/6526050/an-archived-list-of-switching-offers

Right but that doesn't list what I said - a compilation of qualifying start dates. All well and good trailing through the archives, hoping they are listed but it's no use if they are not and by combining them, you could get an idea which banks might allow it again 

A forum thread that lists from when you can get the bonus 

e.g.

Nationwide switch offer 1/10/25
Not available if you had a switch since 1/10/22 

then next time

Nationwide switch offer 1/10/26
Not available if you had a switch since 1/10/23

Why don't you start one, then? You're the one asking for it, so you're the obvious person to create it.

boingy

danny13579 said:

boingy said:

Many of the switching offers only exclude you for a few years so you'll be able switch to some of them again in (typically) 3 years. Just make sure you read the small print.

This isn't happening so much, if at all, anymore. Most offers in the last couple of years have had static dates that haven't been updated. For example, Lloyds is pretty much set in stone at April 2020. Others don't have dates at all, you can get one bonus and that's it forever (e.g. Santander, First Direct).

I hadn't really noticed the change but, to be fair, I can't really complain about it. It would be perfectly reasonable for all the switching offers to be "once per lifetime". 

Nasqueron

EarthBoy said:

Nasqueron said:

eskbanker said:

Nasqueron said:

Be interesting to see if someone could do a post tracking all these and update it after the next switch offer from that bank to see if it changes

https://forums.moneysavingexpert.com/discussion/6526050/an-archived-list-of-switching-offers

Right but that doesn't list what I said - a compilation of qualifying start dates. All well and good trailing through the archives, hoping they are listed but it's no use if they are not and by combining them, you could get an idea which banks might allow it again 

A forum thread that lists from when you can get the bonus 

e.g.

Nationwide switch offer 1/10/25
Not available if you had a switch since 1/10/22 

then next time

Nationwide switch offer 1/10/26
Not available if you had a switch since 1/10/23

Why don't you start one, then? You're the one asking for it, so you're the obvious person to create it.

I kinda started it but the problem is that work blocks archive so I can't see the terms to check!

Lloyds and TSB have been consistent so far



Barclays offer 15th July-28th August
Cut off date after which you can't qualify: n/a - if you have ever had one from them you don't qualify

Nationwide offer 29th May 2025
Cut off date after which you can't qualify: since 2021

NatWest / RBS offer June 2025
Cut off date after which you can't qualify: n/a - if you have ever had one from them you don't qualify
Caveats: Multiple people have successfully got RBS and Ulster as well

Lloyds offer 12th September 2025
Cut off date after which you can't qualify: since April 2020
Caveats: Includes Halifax and Bank of Scotland bonuses
Lloyds offer 1st July 2025
Cut off date after which you can't qualify: since April 2020

Santander offer May 2025
Cut off date after which you can't qualify: since September 2021

TSB offer 30th September 2025-9th December 2025
Cut off date after which you can't qualify: since 1st October 2022
TSB offer 21st July 2025-8th September 2025
Cut off date after which you can't qualify: since 1st October 2022
TSB offer May 2025
Cut off date after which you can't qualify: TBC - work blocks archive.org 
https://forums.moneysavingexpert.com/discussion/6607870/tsb-310-switching-offer-may-2025/p1
TSB offer 21st January 2025-14th March 2025
Cut off date after which you can't qualify: since 1st October 2022
TSB offer 1st August 2024
Cut off date after which you can't qualify: since 1st October 2022

Romulus2

I listened to Martin's "Magnificent Seven" Podcast listing the banks that will give you £175 for switching and thought it's about time I gave it a go. I decided to switch to First Direct as it has the best customer service rating.  On their website they advise that you need two items for proof of identity e.g. a passport, or photographic driving licence, (which I have) plus a utility bill or bank statement, for security. You then need to have these items certified by a JP, an MP, a Doctor, a Dentist or a Solicitor. As I don't know anyone in these professions, GPs will not do it as it is a waste of their time, and my Dentist has a prominent warning in his waiting room stating he does not do it either. It seems my only option is to go to a solicitor who will probably want a fee. So I am not going to switch now as it is so much hassle!

MikeJXE

I don’t remember all that hassle when I opened an account with them 

So I just checked and cannot find anything like what you are suggesting 

wmb194

Romulus2 said:

I listened to Martin's "Magnificent Seven" Podcast listing the banks that will give you £175 for switching and thought it's about time I gave it a go. 

I decided to switch to First Direct as it has the best customer service rating.  

On their website they advise that you need two items for proof of identity e.g. a passport, or photographic driving licence, (which I have) plus a utility bill or bank statement, for security. You then need to have these items certified by a JP, an MP, a Doctor, a Dentist or a Solicitor. 

As I don't know anyone in these professions, GPs will not do it as it is a waste of their time, and my Dentist has a prominent warning in his waiting room stating he does not do it either. 

It seems my only option is to go to a solicitor who will probably want a fee. 

So I am not going to switch now as it is so much hassle!

Are you certain? Usually your identity and address is verified electronically or worst case you upload a photo of your passport during the application. It’s only in rare circumstances you’d need things certified.

Try applying for the account and see what you’re actually asked to do. First Direct hasn’t ever asked me to do any of that.

goatfaced

I only ever needed to get a document certified when applying for my ID in the first place. I've done probably ten to fifteen bank switches and they all accepted a photo of my ID and didn't ask for it to be certified.