The Cashback for Bank or Investment Accounts Discussion Thread

Nick_C

I made a formal complaint to eToro yesterday, and posted a further negative review on Trustpilot.

I got an email at 07:30 saying I could withdraw my money, although my account remains restricted.

I also had a final response to my complaint this afternoon.  The supervisor reviewing my complaint spent an entire 17 minutes on it (from the time of his initial acknowledgement to the time of his final response).    He didn't address any of the points I had raised about the dreadful customer service, the delays, or why they selected my account for special scrutiny.  I will be complaining to the FOS.  

(I wasn't awarded free shares, but my complaint relates solely to the time it took to get my money back and the poor customer service.) 

Altior

Nick_C said:

I made a formal complaint to eToro yesterday, and posted a further negative review on Trustpilot.

I got an email at 07:30 saying I could withdraw my money, although my account remains restricted.

I also had a final response to my complaint this afternoon.  The supervisor reviewing my complaint spent an entire 17 minutes on it (from the time of his initial acknowledgement to the time of his final response).    He didn't address any of the points I had raised about the dreadful customer service, the delays, or why they selected my account for special scrutiny.  I will be complaining to the FOS.  

(I wasn't awarded free shares, but my complaint relates solely to the time it took to get my money back and the poor customer service.) 

The irony is that multiple users are subsequently successfully gaming it and immediately withdrawing more than they deposited, without any bank account verification! I wouldn't be fussed if I needed to leave the £5K for 90 days and fully comply with the t&c until winding it up. If I got the welcome bonus shares that I was promised.

For me the front line staff so far have been amiable but they have no authority to rectify anything directly. 

It seems to me that the key issue is that they bypass proper verification to onboard users asap, and only apply the stringent verification/blocks if something happens out of the very ordinary (in my case use two bank accounts). ML checks should only really kick in if your are withdrawing to different accounts, or more than originally deposited. 

bristolleedsfan

friolento said:

kippo1 said:

Thanks for the heads up on the etoro offer

don't know if this is in the right place but i'll post it anyway
if you have a lloyds account activate everyday offers

"You could win up to £1,000 cash with Everyday Offers:

• 5 prizes of £1,000
• 100 prizes of £50

Prize draw closes at 23:59 on 31 January 2026. Winners will be drawn within 7 days of the closing date and notified by letter. One entry and one prize per customer."

I have some sort of an unexplained block on the Everyday offers, both at Lloyds and at Halifax. The “try again in a bit” hasn’t been working for several months.

I suspect I must have been awarded a restriction for having too many Reward accounts etc etc 😂

Thank you for the heads up anyway

"You must be a UK resident aged 18 or over and have registered for Spending Rewards by 18th December 2025 to enter."

artyboy

artyboy said:

OwnedByACat said:

Deposit or transfer at least £1,000 into a Quilter Invest ISA and get 2% cashback (up to a maximum of £200 cashback for a £10,000 deposit). Check fees on this one; offer ends 31/01/26
https://www.quilterinvest.com/campaigns/cashback-25

New customers to the financial services company Revolut can receive £20 after signing up and making a £1 transaction; pays out instantly; offer ends 31/12/26
https://www.revolut.com/revolut-mcwfc-signup-bonus/

Thanks, might give Quilter a go. Revolut feels like scraping the barrel a bit, but then I guess I've been spoilt with all those 4 figure pension xfr offers! 

Having looked at this closer, Quilter are only offering a VERY restricted number of funds/shares with their ISA product, so I'm giving that a miss as well. It's only £200 and I'd rather stick with my pseudo-whole-of-market platforms.

granta

artyboy said:

artyboy said:

OwnedByACat said:

Deposit or transfer at least £1,000 into a Quilter Invest ISA and get 2% cashback (up to a maximum of £200 cashback for a £10,000 deposit). Check fees on this one; offer ends 31/01/26
https://www.quilterinvest.com/campaigns/cashback-25

New customers to the financial services company Revolut can receive £20 after signing up and making a £1 transaction; pays out instantly; offer ends 31/12/26
https://www.revolut.com/revolut-mcwfc-signup-bonus/

Thanks, might give Quilter a go. Revolut feels like scraping the barrel a bit, but then I guess I've been spoilt with all those 4 figure pension xfr offers! 

Having looked at this closer, Quilter are only offering a VERY restricted number of funds/shares with their ISA product, so I'm giving that a miss as well. It's only £200 and I'd rather stick with my pseudo-whole-of-market platforms.

I haven't explored this properly either. Do you have to create and account to view the range of funds/shares? I would likely transfer £10k if VEVE to get the 2% but barely seems worth it once fees taken into account. 
For simplicity, transferring the whole lot to Freetrade for a year to get 1% seems like the best time/cost decision.

easysaver

artyboy said:

artyboy said:

OwnedByACat said:

Deposit or transfer at least £1,000 into a Quilter Invest ISA and get 2% cashback (up to a maximum of £200 cashback for a £10,000 deposit). Check fees on this one; offer ends 31/01/26
https://www.quilterinvest.com/campaigns/cashback-25

New customers to the financial services company Revolut can receive £20 after signing up and making a £1 transaction; pays out instantly; offer ends 31/12/26
https://www.revolut.com/revolut-mcwfc-signup-bonus/

Thanks, might give Quilter a go. Revolut feels like scraping the barrel a bit, but then I guess I've been spoilt with all those 4 figure pension xfr offers! 

Having looked at this closer, Quilter are only offering a VERY restricted number of funds/shares with their ISA product, so I'm giving that a miss as well. It's only £200 and I'd rather stick with my pseudo-whole-of-market platforms.

I can work with the restricted range of ETFs but I'd need an ISA transfer complete by 31 Jan, which is just too tight for comfort even as cash only.

friolento

bristolleedsfan said:

friolento said:

kippo1 said:

Thanks for the heads up on the etoro offer

don't know if this is in the right place but i'll post it anyway
if you have a lloyds account activate everyday offers

"You could win up to £1,000 cash with Everyday Offers:

• 5 prizes of £1,000
• 100 prizes of £50

Prize draw closes at 23:59 on 31 January 2026. Winners will be drawn within 7 days of the closing date and notified by letter. One entry and one prize per customer."

I have some sort of an unexplained block on the Everyday offers, both at Lloyds and at Halifax. The “try again in a bit” hasn’t been working for several months.

I suspect I must have been awarded a restriction for having too many Reward accounts etc etc 😂

Thank you for the heads up anyway

"You must be a UK resident aged 18 or over and have registered for Spending Rewards by 18th December 2025 to enter."

I have tried registering many times before 18/12/2025. Always got the "try in a bit" nonsense.

easysaver

granta said:

artyboy said:

artyboy said:

OwnedByACat said:

Deposit or transfer at least £1,000 into a Quilter Invest ISA and get 2% cashback (up to a maximum of £200 cashback for a £10,000 deposit). Check fees on this one; offer ends 31/01/26
https://www.quilterinvest.com/campaigns/cashback-25

New customers to the financial services company Revolut can receive £20 after signing up and making a £1 transaction; pays out instantly; offer ends 31/12/26
https://www.revolut.com/revolut-mcwfc-signup-bonus/

Thanks, might give Quilter a go. Revolut feels like scraping the barrel a bit, but then I guess I've been spoilt with all those 4 figure pension xfr offers! 

Having looked at this closer, Quilter are only offering a VERY restricted number of funds/shares with their ISA product, so I'm giving that a miss as well. It's only £200 and I'd rather stick with my pseudo-whole-of-market platforms.

I haven't explored this properly either. Do you have to create and account to view the range of funds/shares? I would likely transfer £10k if VEVE to get the 2% but barely seems worth it once fees taken into account. 
For simplicity, transferring the whole lot to Freetrade for a year to get 1% seems like the best time/cost decision.

https://www.quilter.com/investments/platform-funds/exchange-traded-instruments/
VEVE is on there but oddly the acc variant VHVG is not (especially considering both VFEM and VFEG are both available).

artyboy

easysaver said:

granta said:

artyboy said:

artyboy said:

OwnedByACat said:

Deposit or transfer at least £1,000 into a Quilter Invest ISA and get 2% cashback (up to a maximum of £200 cashback for a £10,000 deposit). Check fees on this one; offer ends 31/01/26
https://www.quilterinvest.com/campaigns/cashback-25

New customers to the financial services company Revolut can receive £20 after signing up and making a £1 transaction; pays out instantly; offer ends 31/12/26
https://www.revolut.com/revolut-mcwfc-signup-bonus/

Thanks, might give Quilter a go. Revolut feels like scraping the barrel a bit, but then I guess I've been spoilt with all those 4 figure pension xfr offers! 

Having looked at this closer, Quilter are only offering a VERY restricted number of funds/shares with their ISA product, so I'm giving that a miss as well. It's only £200 and I'd rather stick with my pseudo-whole-of-market platforms.

I haven't explored this properly either. Do you have to create and account to view the range of funds/shares? I would likely transfer £10k if VEVE to get the 2% but barely seems worth it once fees taken into account. 
For simplicity, transferring the whole lot to Freetrade for a year to get 1% seems like the best time/cost decision.

https://www.quilter.com/investments/platform-funds/exchange-traded-instruments/
VEVE is on there but oddly the acc variant VHVG is not (especially considering both VFEM and VFEG are both available).

That is, to be fair, a far bigger list than it was showing me when I was looking around their website earlier. There I was getting no more than a couple of dozen, on a page that showed them as big icons with cutesy little headers describing what their purpose was.

Too much hassle anyway figuring this out. On to the next one.

20122013

eTorro 

I have started the process and hoping to get the free shares.

I am in the Wallet /GBP account.

I want to use open banking. My bank,  CHASE, the app needs it to be set it up from eTorro,  but I have not be able to find in eTorro and) and I am not sure how to nor did the CHASE agent.

so I tried to use Bank Payment but it will only go as far entering the amount and when I click DONE it loops

and  I have also  tried to use Faster Bank Payment but it wants to me to scan the QR code without entering any bank details.(I am dubious about this)

I would like to know how to use open banking with CHASE app? as the CHASE agent did not know about Open banking (or I can transfer the funds from my CHASE account but I am not sure whether it will go into my Wallet / GBP account)