Lloyds switch offer 6 January to 3 February 2026

kuepper

friolento said:

Getting seriously disappointed with 30p DDs - it’s been an entire week since I applied and they have not taken the DD, nor sent any confirmation for it. Luckily, I have another option via my ancient ex-Egg account. They are very slow but 100% reliable, and will be taking my new DD by the end of the week. I had just hoped 30p DD would be faster but turns out they aren’t, at least not for me

Same here and I opted for 80p thinking I'd get processed quicker. 50p was instant and have kept me informed throughout 

kuepper

Clare43 said:

masonic said:

friolento said:

Getting seriously disappointed with 30p DDs - it’s been an entire week since I applied and they have not taken the DD, nor sent any confirmation for it. Luckily, I have another option via my ancient ex-Egg account. They are very slow but 100% reliable, and will be taking my new DD by the end of the week. I had just hoped 30p DD would be faster but turns out they aren’t, at least not for me

Mine has been debited today. I set it up a week ago on the 7th in the evening. Donor account is Santander. I must have been feeling generous as I let them take 60p - I don't know if that made any difference.

Mine debited today and I set mine up on the 7th as well. I just did the 30p. 

How long did 30p take to appear as DD then take the money? I've never heard anything from them 

masonic

kuepper said:

Clare43 said:

masonic said:

friolento said:

Getting seriously disappointed with 30p DDs - it’s been an entire week since I applied and they have not taken the DD, nor sent any confirmation for it. Luckily, I have another option via my ancient ex-Egg account. They are very slow but 100% reliable, and will be taking my new DD by the end of the week. I had just hoped 30p DD would be faster but turns out they aren’t, at least not for me

Mine has been debited today. I set it up a week ago on the 7th in the evening. Donor account is Santander. I must have been feeling generous as I let them take 60p - I don't know if that made any difference.

Mine debited today and I set mine up on the 7th as well. I just did the 30p. 

How long did 30p take to appear as DD then take the money? I've never heard anything from them 

Mine appeared after 2 days but YMMV depending on bank. Some banks do not show a DD until it has pulled for the first time.

julie777

flaneurs_lobster said:

julie777 said:

Re above, we deleted that app but it seems to not be fully deleted.

Not how apps work (at least on Android), if an app is deleted it takes everything with it. Didn't understand your earlier reference to a "cloud" symbol - is this in the new instance of the app once you've installed it but before you've entered any personal details?

Regardless of the app, as you say, you (or rather your husband) is unable to open a new sole Club current account?

Would you mind just listing what accounts you each have open already?

My husband's phone is an iphone. After deleting the app, we went back to appstore and the Lloyds app has a cloud next to it! Tried installing that but it still thinks he is Julie! Deleted again and it has had the cloud symbol for several days. The accounts are one joint account classic and one classic in my sole name. And yes, nothing seems to work as it should. Think he will have to phone them which is very annoying and who knows if they can help or not! Thanks for your input.

masonic

julie777 said:

flaneurs_lobster said:

julie777 said:

Re above, we deleted that app but it seems to not be fully deleted.

Not how apps work (at least on Android), if an app is deleted it takes everything with it. Didn't understand your earlier reference to a "cloud" symbol - is this in the new instance of the app once you've installed it but before you've entered any personal details?

Regardless of the app, as you say, you (or rather your husband) is unable to open a new sole Club current account?

Would you mind just listing what accounts you each have open already?

My husband's phone is an iphone. After deleting the app, we went back to appstore and the Lloyds app has a cloud next to it! Tried installing that but it still thinks he is Julie! Deleted again and it has had the cloud symbol for several days. The accounts are one joint account classic and one classic in my sole name. And yes, nothing seems to work as it should. Think he will have to phone them which is very annoying and who knows if they can help or not! Thanks for your input.

Hmm, perhaps not the most helpful of features to back up the settings in situations like this. One thing you can normally do is go into the settings on your phone for the app and clear stored data, which should reset it to the state when it is first installed (I think iOS has this, Android user here).

Clare43

kuepper said:

Clare43 said:

masonic said:

friolento said:

Getting seriously disappointed with 30p DDs - it’s been an entire week since I applied and they have not taken the DD, nor sent any confirmation for it. Luckily, I have another option via my ancient ex-Egg account. They are very slow but 100% reliable, and will be taking my new DD by the end of the week. I had just hoped 30p DD would be faster but turns out they aren’t, at least not for me

Mine has been debited today. I set it up a week ago on the 7th in the evening. Donor account is Santander. I must have been feeling generous as I let them take 60p - I don't know if that made any difference.

Mine debited today and I set mine up on the 7th as well. I just did the 30p. 

How long did 30p take to appear as DD then take the money? I've never heard anything from them 

It took about 6 days to appear - I set up on 7th and they showed in my account on either 12th or 13th then debited on 14th.  I’ve not heard anything from them since I set it up. 

flaneurs_lobster

masonic said:

julie777 said:

flaneurs_lobster said:

julie777 said:

Re above, we deleted that app but it seems to not be fully deleted.

Not how apps work (at least on Android), if an app is deleted it takes everything with it. Didn't understand your earlier reference to a "cloud" symbol - is this in the new instance of the app once you've installed it but before you've entered any personal details?

Regardless of the app, as you say, you (or rather your husband) is unable to open a new sole Club current account?

Would you mind just listing what accounts you each have open already?

My husband's phone is an iphone. After deleting the app, we went back to appstore and the Lloyds app has a cloud next to it! Tried installing that but it still thinks he is Julie! Deleted again and it has had the cloud symbol for several days. The accounts are one joint account classic and one classic in my sole name. And yes, nothing seems to work as it should. Think he will have to phone them which is very annoying and who knows if they can help or not! Thanks for your input.

Hmm, perhaps not the most helpful of features to back up the settings in situations like this. One thing you can normally do is go into the settings on your phone for the app and clear stored data, which should reset it to the state when it is first installed (I think iOS has this, Android user here).

Is that what the cloud symbol means in the Apple appstore? How can you go to the settings for an app that you've deleted? Or is that another clever Apple feature that I'm glad I'll never have to suffer?

clivep

soulsaver said:

clivep said:

Zanderman said:

PRAISETHESUN said:

etienneg said:

clivep said:

Downgraded my Club Lloyds a/c but opening a new one not shown as an option.

Then downgraded our joint Club Lloyds and the option to open a sole Club Lloyds appeared.

Opened and switch initiated for completion on 23rd.

All done on desktop (I don't use their app).

I wonder if this has something to do with the problem I'm seeing? My wife and I have a joint Club Lloyds account but no sole Club accounts (at present - in the past we have had them). We have sole accounts elsewhere that we want to switch to Lloyds for the switching bonus. Knowing that you can have a joint and a sole Club account at the same time, I have just tried opening a sole account for the switch, but the Club account is not listed as available. (I assume the same would be true for my wife.)

Do I need to downgrade the joint account to Classic before opening a sole Club account (for each of us individually)? If that is the case, could I then upgrade the joint account back to a joint Club account? In other words, to hold a joint and a sole Club account together, must the sole account be the one held first? Do downgrading and upgrading happen instantaneously, or is there a delay involved?

Any experience or knowledge in this area would be much appreciated.

My understanding from other posters is that although you are allowed by the T&Cs to hold 2x CL accounts - one sole and one joint - in practice Lloyds online banking won't let you open more than one, hence the suggestion to downgrade both to Classic and then open a new CL account. After you get paid the switch incentive, you can downgrade the new account to a Classic account and re-upgrade your existing account back to CL.

The downgrade happens pretty much instantly in my experience, although sometimes you need to log out and then back in to see the changes take effect.

This is not, in practice, the case if both of you have existing personal Club Lloyds accounts and are applying for new joint one. As I explained in my post a few days ago, Mrs Z-man and I did exactly that, by following the instructions on the app (both using the app, side by side on both our phones, at the same time). A second (but joint) Club Lloyds was offered with no problem that way round.

It would be interesting to find out whether people having the difficulty described of not opening a single when you already have a joint are finding this out when using the app or when using the website. 

Having downgraded our sole & joint Club Lloyds a/c and opening new sole ones., I thought I'd try to get a joint one back (for our Disney sub.).

As anticipated, it was not showing as an option to upgrade the recently downgraded one, so I tried to open a new joint one using the side by side method.

I remember having great difficulty doing this last time when we kept getting errors.

This time I have not been able to get past an error received when inputting the code from the other logged in a/c.

This was tried using online banking on PC/mobile not using the app.

Thought we'd try using the app. Mine OK but when my wife tried to log in to the app on her phone she got a message saying the phone was rooted so couldn't log in. Her phone's not rooted and this appears to be a problem that others have had with the app.

Can't think of a workaround at the moment.

Have you tried uninstalling the app and reinstalling it? Not difficult with Lloyds IME...

Tried this but same error preventing login.

Attempted again using 2 devices, phone (using browser or app) and PC. Whenever the code from the 1st device is entered on the 2nd an error comes up straight away.This happens regardless of which one I use to generate the code. I ran into this problem setting up the joint Club Lloyds a/c last year but got it to work after a few tries but no luck this time.

They're quick to cancel the Club Lloyds lifestyle benefit... we lost access to Disney the day after the downgrade.

masonic

flaneurs_lobster said:

masonic said:

julie777 said:

flaneurs_lobster said:

julie777 said:

Re above, we deleted that app but it seems to not be fully deleted.

Not how apps work (at least on Android), if an app is deleted it takes everything with it. Didn't understand your earlier reference to a "cloud" symbol - is this in the new instance of the app once you've installed it but before you've entered any personal details?

Regardless of the app, as you say, you (or rather your husband) is unable to open a new sole Club current account?

Would you mind just listing what accounts you each have open already?

My husband's phone is an iphone. After deleting the app, we went back to appstore and the Lloyds app has a cloud next to it! Tried installing that but it still thinks he is Julie! Deleted again and it has had the cloud symbol for several days. The accounts are one joint account classic and one classic in my sole name. And yes, nothing seems to work as it should. Think he will have to phone them which is very annoying and who knows if they can help or not! Thanks for your input.

Hmm, perhaps not the most helpful of features to back up the settings in situations like this. One thing you can normally do is go into the settings on your phone for the app and clear stored data, which should reset it to the state when it is first installed (I think iOS has this, Android user here).

Is that what the cloud symbol means in the Apple appstore? How can you go to the settings for an app that you've deleted? Or is that another clever Apple feature that I'm glad I'll never have to suffer?

I'm only speculating that this is cloud backup. Previous settings are being pulled from somewhere when it is reinstalled. I don't use Apple devices, but if I am right, one would need to reinstall the app (at which point the saved settings would be synched), and then clear stored data, which should get you to a fresh installation.

Zanderman

clivep said:

soulsaver said:

clivep said:

Zanderman said:

PRAISETHESUN said:

etienneg said:

clivep said:

Downgraded my Club Lloyds a/c but opening a new one not shown as an option.

Then downgraded our joint Club Lloyds and the option to open a sole Club Lloyds appeared.

Opened and switch initiated for completion on 23rd.

All done on desktop (I don't use their app).

I wonder if this has something to do with the problem I'm seeing? My wife and I have a joint Club Lloyds account but no sole Club accounts (at present - in the past we have had them). We have sole accounts elsewhere that we want to switch to Lloyds for the switching bonus. Knowing that you can have a joint and a sole Club account at the same time, I have just tried opening a sole account for the switch, but the Club account is not listed as available. (I assume the same would be true for my wife.)

Do I need to downgrade the joint account to Classic before opening a sole Club account (for each of us individually)? If that is the case, could I then upgrade the joint account back to a joint Club account? In other words, to hold a joint and a sole Club account together, must the sole account be the one held first? Do downgrading and upgrading happen instantaneously, or is there a delay involved?

Any experience or knowledge in this area would be much appreciated.

My understanding from other posters is that although you are allowed by the T&Cs to hold 2x CL accounts - one sole and one joint - in practice Lloyds online banking won't let you open more than one, hence the suggestion to downgrade both to Classic and then open a new CL account. After you get paid the switch incentive, you can downgrade the new account to a Classic account and re-upgrade your existing account back to CL.

The downgrade happens pretty much instantly in my experience, although sometimes you need to log out and then back in to see the changes take effect.

This is not, in practice, the case if both of you have existing personal Club Lloyds accounts and are applying for new joint one. As I explained in my post a few days ago, Mrs Z-man and I did exactly that, by following the instructions on the app (both using the app, side by side on both our phones, at the same time). A second (but joint) Club Lloyds was offered with no problem that way round.

It would be interesting to find out whether people having the difficulty described of not opening a single when you already have a joint are finding this out when using the app or when using the website. 

Having downgraded our sole & joint Club Lloyds a/c and opening new sole ones., I thought I'd try to get a joint one back (for our Disney sub.).

As anticipated, it was not showing as an option to upgrade the recently downgraded one, so I tried to open a new joint one using the side by side method.

I remember having great difficulty doing this last time when we kept getting errors.

This time I have not been able to get past an error received when inputting the code from the other logged in a/c.

This was tried using online banking on PC/mobile not using the app.

Thought we'd try using the app. Mine OK but when my wife tried to log in to the app on her phone she got a message saying the phone was rooted so couldn't log in. Her phone's not rooted and this appears to be a problem that others have had with the app.

Can't think of a workaround at the moment.

Have you tried uninstalling the app and reinstalling it? Not difficult with Lloyds IME...

Tried this but same error preventing login.

Attempted again using 2 devices, phone (using browser or app) and PC. Whenever the code from the 1st device is entered on the 2nd an error comes up straight away.This happens regardless of which one I use to generate the code. I ran into this problem setting up the joint Club Lloyds a/c last year but got it to work after a few tries but no luck this time.

They're quick to cancel the Club Lloyds lifestyle benefit... we lost access to Disney the day after the downgrade.

My original post about this (not my reference to it quoted above) mentioned that we did find the new joint account procedure failed if, after asking for a code, the non-lead account clicked on the 'back to my accounts' button, which - misleadingly - opens up temptingly at that stage of the proceedings. We were both using the app, on different phones, at the time to access the two lloyds logins. It may of course differ if one account is being accessed via the website. See https://forums.moneysavingexpert.com/discussion/comment/81831897#Comment_81831897