Nationwide Switch offer 21/5/26

crumpet_man

Using the eligibility checker shows that if you have had a switch bonus before then you are not eligible this time

https://www.nationwide.co.uk/current-accounts/check-youre-eligible-to-switch/

You can get our switch offer a maximum of 2 times. Once on your first eligible sole account and once on your first eligible joint account.

danny13579

Nationwide's switch offers go back to early 2014 and this offer allows people to get the incentive once they haven't had one since 2021 (whatever that means), so the eligibility checker is incorrectly telling people who received an incentive pre-2021 that they don't qualify for this offer when they probably do.

dcs34

I have asked them (and Co-op) whether they consider their 'referral offers' to be 'switch offers'.

I don't have their exact answers to hand but from memory (based on switches I did since) I think Nationwide's view was no (i.e. a referral offer isn't a switch offer), whereas Co-op's answer was "we're not sure but possibly" (to the extent I didn't bother setting up DDs etc. to try it - given their own history of re-interpreting their own T&Cs to suit them!).

danny13579

https://forums.moneysavingexpert.com/discussion/comment/82007935#Comment_82007935

That's interesting. So if Nationwide don't consider their previous Refer a Friend offers as switch offers, then I think for this offer you can never have received switching cash from Nationwide in the past, i.e. from and including their first switch offer (by their interpretation) in August/September 2021 onwards.

If so, then the eligibility checker is correct.

I guess their thinking is that the referrer didn't need to switch, just the referee?

steven141

https://forums.moneysavingexpert.com/discussion/comment/82007935#Comment_82007935

I got told by the co-operative bank that it did count as one.

Rob5342

https://forums.moneysavingexpert.com/discussion/comment/82007596#Comment_82007596

It's probably worth giving it a go. They are a bit of creaking dinosaur when it comes to IT systems so they might not check things as thoroughly as others do.

dcs34

https://forums.moneysavingexpert.com/discussion/comment/82007954#Comment_82007954

I got £125 in September 2022 but I think that was referring someone else (which I and Nationwide classed as a 'referral offer') whereas if you were the person being referred, as you might have needed to complete a switch as part of that IIRC, that would probably count as a 'switch offer'. If you can check online statements then it's worth seeing what they called the reward payment.