Yeah easiest £125 ever lol 
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Love LBG for switching incentives! Should be due another Halifax one next year.
Shame BOS never offer one.
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Once the switch is completed and you have the £125 is there anything to stop you downgrading the account to a classic?
Hopefully not as I have not much interest in Vue nor Odeon
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I can’t see anything specific in their offer T&C’s. Somehow, they must have determined that the value is in which account you switch to rather then how long you keep it. Odd 
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Maybe they’ve assumed enough switchers will stick with the Club or Platinum account to recoup the £125.
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Think I’ll be nice and pay one months fee and then downgrade
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Did you go for a Club Platinum account then? The standard ‘Club Lloyds’ account’s fee is waived if you pay in £1500 or more per month (can be the same amount recycled).
I’ve certainly never paid a fee of any sort and had two switching offers from them now.
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Just standard club Lloyds just don’t fancy moving funds through it I just use hsbc and monzo
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Seems like a trivial loophole to jump through for the sake of £3 but sure.
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Are you minded to Switch out from the Lloyds account at an appropriate point?
From experience when I wanted to revert an account back to a plain ‘Classic’ account it required a branch visit as it couldn’t be done online. May have changed since but worth checking first
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Was planning on keeping until another switch offer comes along that I’m eligible for
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My switch due on Tuesday. Incentive already banked. Wonder what would happen if I downgrade the account or attempt to switch ‘n’ close already…
If you do downgrade, they pro-rate the monthly fee for your Club account, so - if you’re being very picky/can’t be bothered to track and transfer the pennies over to avoid an unarranged overdraft, then transfer the £1500 before downgrading the account… Or something.
Edit: not clear what happens with fees if you switch out in the first month before meeting fee waiver requirements. I say this only because of risk of unarranged overdraft, not the actual amount in question!
Just downgrade - as soon as you’ve got the switching credit - then you’ll never been charged the fee.
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BOS don’t need to as they were No 1 in Scotland last time I saw stats and don’t actively seek to attract ‘South of the Border’ clientele leaving that to their Halifax brand and sibling Lloyds Bank.
Exactly what I did, swapped the account out too while I was at it
I am now the proud holder of a second classic account.
Just out of interest, checked the everyday offers. Just one - £4 cashback for amazon kids+. Jokers!
Most of the offers for LBG Cashback are based on previous card activity. If you hardly ever/never use the debit card you get barely any offers.
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Were you guys able to downgrade to Classic without having to visit a branch?
Ok, looks like you can downgrade online (according to other fora).
Switch from HSBC started. I was surprised not to have to submit any identification - they seem to be happy with the CRA checks.
Natwest Group are the No 1 in England and Wales but that doesn’t seem to stop them offering incentives on RBS and Natwest accounts.