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Thread: For anyone who banks with Lloyds TSB

  
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    Kev.'s Avatar
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    For anyone who banks with Lloyds TSB

    Sign up for Save the Change™ and every time you make a purchase with your Lloyds TSB debit card, we'll round up the amount you spent to the nearest pound and transfer the difference into a Lloyds TSB savings account.
    Sounds too good to be true, so am doing a bit of research on MSE at the moment.

    Ok it's only going to be pence initially ATEOTD, but it all adds up (quicker if you're a female )

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    Count me in then

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    it does work my mate has it on his account

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    Does that not mean they round it up out of your account though? ie if you spend £39.49, then they round it up to £40, ie take £40 from your account, pay the £39.49 and then the 51p they put into a savings account?

    Don't see the appeal or the point really, I save every month anyway into a seperate account but don't see that given how often I use my card I would end up saving much this way!
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    you are correct Coupe2T, this has been around for a few years now. The missus has had it on her account since they launched it. back then, they did a limited promo where they actually doubled the amount they put into savings, meaning if you spent £20.01, they debited £21 from your debit card and put £1.98 into your savings

    Needless to say, Clare paid for all our fuel/groceries at this time on her debit card and I just gave her cash. Reckon we made about £200 from them that way
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    Quote Originally Posted by Kev_83 View Post
    Sounds too good to be true.
    I've had it turned on for a year or so.

    You do realise it's YOUR money they transfer, they aren't giving you a penny, just transfering odments between your own accounts.

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    Can't see the point if they are just taking it out of your account, maybe if they were going to pay it out of their account

    Might as well just stick £20 in your savings account on payday, more than you would save by rounding up the pennys!

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    Ahh this is where the "too good to be true" comes into it then.

    I got the impression you paid for something at £30.50 and they rounded it to £31. £30.50 would come out of your account & 50p would go in a savings account ... i.e. you gain 50p you never had.

    If you guys are right then this is a waste of time & only for people who can't manage their money by the sounds of it.

    I used to dump all my money into one account,. but since i started looking about at rates etc, i have...

    2x LLoyds TSB Vantage accounts as you can have 3 & max each at 7k
    2x Halifax reward accounts to gain a combined £10 per month
    1x AA savings account
    1x Nationwide account which pays sod all, so doesn't have much in
    1x Barclays ISA from this tax year
    1x Nationwide e-ISA from previous tax years.

    I made £17ish on one Lloyds TSB account 2 months running (i.e. £34), which i'd never have done if i'd fallen into the great British trend of "i can't be arsed" & just left my money sitting where it originally was. At that rate, & not counting my other accounts, the TSB & Halifax could gain me £324 a year just for a few minutes "being arsed" applying for things.

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    I might give them a call and set this up

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