Lloyds switch for up to £500, 24 February to 30 April 2026

gilly107

So do purchases from the likes of eBay and Amazon using the debit card count towards the £200 spend? Say I bought a £100 item off eBay and then a £100 item off Amazon, would that be fine?

Also, can you pay in the £5000 in separate amounts or does it need to be all in one transfer? For example, could you transfer £1000 into Lloyds and then out and back in again, so it totals £5000?

PRAISETHESUN

https://forums.moneysavingexpert.com/discussion/comment/81901530#Comment_81901530

The normal Premier cashback is cumulative, as is the pay in requirement. You can make as many debit card transactions/payments into the account as you need to meet the criteria.

Sandyra

So I rang Lloyds up to get more clarification on the spending exclusions. Not that I’m adverse to spending £200 on the card, it’s more that I spend on my Amex every month and clear the balance, so I want to avoid doing anything different if I don’t have to.

They said credit card bill would be ok and then I queried as a debt and then they change their mind saying it was. I asked about service charge on a property and he said yes as it’s a debt. Then I asked about council tax and they said no. He said anything you’d normally pay by direct debit would work. So I’m thinking I’ll overpay council tax or overpay Gas/ Electric. Or I’ll just bite the bullet and just spend on the card.

EDIT: Popped into branch and was told credit card payments are accepted so who knows?

friolento

https://forums.moneysavingexpert.com/discussion/comment/81902316#Comment_81902316

why not just spend £200 on your usual supermarkets etc spends with your Lloyds card? You might get a few pennies less Amex cashback but that disappears into complete insignificance compared with the Lloyds bonus you could get.

Gambler

https://forums.moneysavingexpert.com/discussion/comment/81902884#Comment_81902884

Couldn't agree more.

movingon

Well, I understand why you might want to use the debit card to pay your credit card instead. Personally, I will be on holiday for a part of the first 35 days, and the card won't arrive before I go so, I can't take it with me so it would be very difficult for me to spend £200 for the supermarket shopping in just over a week.

friolento

https://forums.moneysavingexpert.com/discussion/comment/81903307#Comment_81903307

All your card details will be available online, so you can add your card to ApplePay or GooglePay from wherever you have an internet connection, without needing the physical card. You can then use your card for contactless Apple/GooglePay payments, which are widely accepted worldwide.

If you haven’t got online/app access yet, you should be able to get this right away

someone

I'm looking to move a Halifax account under this offer, can't see it excluded in the terms. Does anyone have any experience with other brands in the Lloyds Banking Group for these offers?

movingon

https://forums.moneysavingexpert.com/discussion/comment/81903323#Comment_81903323

I did think of this, but I am a Luddite and have no idea how to do this, but have just checked out a video. I have visions of completing messing it up in a Spanish shop and annoying everyone else in the queue 😕

Question though: Normally before being able to use a card contactlessly, you have to have used it with chip and pin. Since I won't have been able to do this before I travel, will Google Pay still work?

friolento

https://forums.moneysavingexpert.com/discussion/comment/81903506#Comment_81903506

Yes, if you want to use the actual physical card contactless, you must first have used the card with a PIN. You might also get asked to enter the PIN after x contacless transactions. And you are limited to whatever the contactless limit of your bank or the retailer is.

If you use Apple/GooglePay, no such limitations exist.

You can make payments immediately after adding the card to the wallet, which takes no more than a minute or two. The payment limit is the balance in your account (plus any overdraft arrangement you may have). I appreciate that if this is all new to you, you would want to try it out with a small purchase first (debit cards of all major banks can be used, and you can have multiple cards in your electronic wallet). For instance, you could buy a carrot at a Tesco etc. self-service till first, using a debit card you already have, or even with the Lloyds card if you can see the card details already. It's really easy, and you never have to fish for your cards. In fact, you can just leave your cards at home…..though when travelling, I would always take cards or cash as a back-up payment method.

If you are really hip, you could get a smartwatch and simply pay with your watch, as Apple/GooglePay also runs on the smartwatches. I have been doing this for several years, rarely ever take my cards, or even my phone, with me now.

NB: I always use ApplePay if there is an offer which requires x number of debit card purchases. Invariably, I have already made my x number of payments (in supermarkets, cafes etc) by the time the physical card eventually arrives. These purchases all count towards the offers.