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Natwest have paid up,where to now?

Al_Ross
Al_Ross Posts: 993 Forumite
Part of the Furniture 500 Posts Name Dropper Combo Breaker
in Budgeting & bank accounts
Hi,

All you serial switchers,now that most of us have received our free £125 from Natwest,where next to go?

I have two options either the Halifax or M&S

Is it worth going to the Halifax for £75 or wait till they maybe they increase it back up to £125.

Or M&S sounds a great deal if you have 3 Direct Debits which I have.

I have had my payments from HSBC,First Direct,Clydesdale B,and Natwest.
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Comments

  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    Seventh Anniversary 500 Posts Name Dropper
    Al_Ross wrote: »
    Hi,

    All you serial switchers,now that most of us have received our free £125 from Natwest,where next to go?

    I have two options either the Halifax or M&S

    Is it worth going to the Halifax for £75 or wait till they maybe they increase it back up to £125.

    Or M&S sounds a great deal if you have 3 Direct Debits which I have.

    I have had my payments from HSBC,First Direct,Clydesdale B,and Natwest.

    It's a fun wee hobby, isn't it? :rotfl:
  • pmatt_2
    pmatt_2 Posts: 54 Forumite
    First Direct don't like me. Which makes me think M&S won't like me either, as they're owned by HSBC. (Which is odd, because HSBC do like me.)

    I would try Halifax, but when I click on "Apply Now" or whatever, it takes me to an error page.
  • System
    System Posts: 178,412 Community Admin
    10,000 Posts Photogenic Name Dropper
    Al_Ross wrote: »
    Hi,

    All you serial switchers,now that most of us have received our free £125 from Natwest,where next to go?

    I have two options either the Halifax or M&S

    Is it worth going to the Halifax for £75 or wait till they maybe they increase it back up to £125.

    Or M&S sounds a great deal if you have 3 Direct Debits which I have.

    I have had my payments from HSBC,First Direct,Clydesdale B,and Natwest.

    I would gather most 'serial switchers' have already bagged M&S and Halifax.
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • pmatt_2
    pmatt_2 Posts: 54 Forumite
    Finally got through to Halifax. Turns out they don't like me either.

    So I'm done.

    HSBC £200
    Amex £100
    Clydesdale £250
    NatWest £125

    Total £675
    in just over a year

    Plus I get cash back from various cards and accounts each month.

    Not too shabby.
  • YorkshireBoy
    YorkshireBoy Posts: 31,541 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    pmatt wrote: »
    Finally got through to Halifax. Turns out they don't like me either.

    So I'm done.

    HSBC £200
    Amex £100
    Clydesdale £250
    NatWest £125
    Didn't do the recent TSB offer?
    Already done Nationwide?


    I wouldn't discount M&S. Many people get FD and M&S but not HSBC...so you're doing OK so far.
  • pmatt_2
    pmatt_2 Posts: 54 Forumite
    YorkshireBoy wrote: »
    Didn't do the recent TSB offer?
    Already done Nationwide?

    I already had a TSB account. Nationwide doesn't appear to have an offer at the moment.

    I got the same message from M&S that I got when I applied for First Direct — we'll get back to you in five days. FD e-mailed me this afternoon asking me to call. I spent an hour on the phone to them giving vast amounts of personal information. At the end of which they told me to get stuffed. I'm not going through that again with M&S. If they ask me to supply more information, I'm not going to bother.

    Halifax gave me an immediate no.

    It's all a bit of a mystery. My total savings exceeds my total credit card debt by a healthy amount. I have an HSBC Advance account and an Amex Gold Card. MBNA just offered me a 3 year 7.9% balance transfer deal (that I didn't apply for — I'm an existing cardholder).

    But FD think I'm scum, apparently.
  • YorkshireBoy
    YorkshireBoy Posts: 31,541 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    pmatt wrote: »
    Nationwide doesn't appear to have an offer at the moment.
    Nationwide have had "an offer" for more years than I care to remember, and still do. Search their website for 'recommend a friend'.
    My total savings exceeds my total credit card debt by a healthy amount.
    Sadly no-one but you and the savings account provider(s) know that, being as it's not shown on your credit report.
  • 18cc
    18cc Posts: 2,120 Forumite
    Wonder if Barclays, Santander or Lloyds will do one...
  • YorkshireBoy
    YorkshireBoy Posts: 31,541 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    18cc wrote: »
    Wonder if Barclays, Santander or Lloyds will do one...
    Santander already have one, although not directly but through an affiliate. It offers a lowly £36 for switching to a 123 account.
  • OceanSound
    OceanSound Posts: 1,482 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    YorkshireBoy wrote: »
    Santander already have one, although not directly but through an affiliate. It offers a lowly £36 for switching to a 123 account.
    Who is the affiliate? Take it there is still a 5 pound monthly fee?
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