This has now been my main account for the last year or so. No regrets! I only found out about this account through your channel Andy, much much appreciated. Cheers.
Hiya bud, great vid, could you please clarify how you 'spend' the 500 by topping up the NSI savings account- I've never had one so I'm not sure how you do it or how it classes as an expenditure on Halifaxs side.
Thanks for making this video Andy, I had discounted the offer as I didn't want to spend £500 per month on my debit card (I prefer to use a cashback credit card) As I already have a revolut account I will use your recommended solution and get the £60 per year. Also just in time for the £175 switch bonus which should arrive before Christmas.
I think the conditions for this account must have changed under the ‘what kind of spending counts towards the offer’ it specifically says: there are a few payments which don’t count for Reward Extras offers…when you make a money transfer to another account. That would seem to bomb out the NS&I hack.
I think I might have misunderstood the hack. Are you saying that putting £500 into NS&I via the Rewards account Debit card is NOT a transfer to another account but is actually counted as a Debit card spend? If so, then I get it and apologies for my misunderstanding below.
@@fahimomarismael5591 Hey there could you instruct me? i tried doing it but for some reason its not working.. it didnt register on halifax as 500 spent
@@otisg3812 sure. If you enter your revolut account, there is an option to top-up your account. There are different options, basically, you need to select, add money, and choose the add card securely option. Once you select to top up via card, it will ask for your card number, expiry date and CSC. That will count as a payment in your Halifax. You can check it in Halifax reward check. Not that if you did today, it takes around 2 to 3 days to refresh the Halifax rewards check eligibility.
what does debit card top up mean? Sorry I am new to the UK. I have a halifax rewards extra account with debit card and a revolut account with no debit card. What do I have to do now to show that I spent 500 on my halifax debit card?
Question please. It seems like it’s just me but I’m confused as to how to double this amount to £360? I understand opening 3 rewards accounts but how exactly is this then doubled? I think i’m not quite understanding the cashback aspect of it. Does someone mind explaining please
Thanks for this Andy. I've opened this account last week with the £175 bonus. I do not have recharge cards but I will use PayPal for the £500 spend. I do have two email addresses so will use one for my PayPal account and the other one to request money . Once I get the request I can pay with the Halifax card and then transfer from PayPal to whatever account I want.
NSI take their sweet time to let you withdraw. Put in last Monday and funds still not available. Just be careful if you need the money. On the plus side, Halifax recorded it as a payment and tells me I met the criteria for this month
Did you meet criteria this month with NS+I? I didn't, think Halifax must have cottoned on. Will have to pay off credit card balance instead. Downside of a popular UA-cam channel advertising loophole.
@@emmanuelm777 I am not sure about Revolut. Andy still has it mentioned on his blog so hopefully OK but it seems NS+I is sadly no longer registering as a valid qualifying debit card transaction, it did in January and Feb but not March.
@@robertbutcher5265 Same issue for me too. My NS&I premium bond purchases tracked for Jan and Feb but not March. My debit card spend to my Barclaycard has tracked successfully so I'll use only that in future.
It is absolutely insane that Halifax are offering this amount of money for people and I've no idea why everyone in the UK isn't taking advantage of it (besides them just being very lazy or unaware) and it is even crazier they are doing it now when their owner Lloyds Bank is getting hit with billions in PPI fines, yet here we are, I'll take advantage of this for as long as I can! 😁
I understand the 3 accounts with Halifax for £5pm each with debit card rotation with a savings account. I understand the £5pm cash back from Chase for spending (ie my Tesco groceries). Am I correct to think I’d need to triple my monthly Chase spend to get £15pm cash back…therefore the £360 you mention. If so, it sure I’d spend that much each month. Thanks :)
Hi Andy Does applying for a Revolut card create a hard search on your credit report? also any perks or switching bonuses with Recolut to take advantage of before a apply for one?
Hi Andy, loving your channel Just applied for my second reward CC. I watched 3 times and just didn't catch how to pay the £500 into the revolute account without it being a bank transfer or direct debit? Any chance you could list the instructions here as bullet points, id really appreciate it :))
@@aniaferr figured it out in the end. It’s just the type of payment to revolute. When you open the app click add money and make sure you are using the long debit card number to withdraw the £500
HI Andy, great video thanks! I've just opened up a rewards current account, but I cant help but notice that it said that to get that £5 reward you cant transfer to another account. Have they changed this then or can you still use another Halifax account to spend the £500 to trigger the £5 reward?
If it's the same account that is used to get paid (i.e. monthly salary from an employer goes into the account) please could you let me know whether that can be used for/count towards the £1,500 a month paid in? Thanks.
Andy my 2nd account is up and running my card hasn't arrived yet But the pin is showing in the app but not the full debit card number I phoned up and was told i cant make payments till the card arrives and i activate it cheers steve
Thanks andy yet again. Im hopefully getting the 175 switching next week And have opened my 2nd account no problem and put in 1500 from first account. Is it possible to use my debit card and send 500 from account 2 to account 1 or use my yorkshire savings account please
@@BeCleverWithYourCash the £500 can rotate. If you have Santander123 lite, Barclays rewards, Natwest Rewards, plus 3x Halifax rewards That £500 should cover the card requirements and the pay in requirements on at least 6 accounts. With apps can do it whilst watching UA-cam.
Where in the terms & conditions does it say you can have up to 3 accounts per person? I believe what you say in this video but just want to see it stated by Halifax themselves
There is no specific date, it needs to be within a month. So let's say you opened the account on December 3rd, from that day till 31st you need to pay £1,500 to that account just to avoid the £3 monthly fee.
May I just check; the £1500 going into the account to qualify - I was told by Barclays that it can’t be a transfer, it has to be paid from another source. Are you allowed to just transfer with Halifax then? I just closed an account with them based on what Barclays told me - I’m not allowed to have that account again too!
‘your non-Barclays accounts will count towards your qualifying amount’ Yeah, you’re right about Barclays. Guess the person I spoke to was wrong but now I’ve cancelled the other account!
@@brighteyes88 yup he/she didn't seem that helpful, I had to check myself as I'm considering opening an account soon. Maybe put a complaint in that you were given false information and they might reopen your account, if you're that bothered about it at least.
Sorry, it was Nationwide that I had to close the account with; the one that you’re only allowed once! Oh well. Ha! Thanks both for your replies all the same; definitely worth knowing as I’ll do something like this in the future to get the most out of my money. I love watching these videos, so informative and clever - thank you! :D
If you spend £500 normally on each of the three Halifax cards you’ll make £15 a month. But if instead you use the hack in the video and put £1,500 of normal spending on Chase instead you’ll get £30 a month
Hi Andy, i spend the 500 on my Halifax using the Revolt app but my Halifax did not register that as a payment and says my reward "is not on track" is that normal? did i do something wrong?
It's normal, wait for the 12th of the following month and £5 will be deposited into your account. I can confirm I did the "revolut" method and got paid £5
So, i am switching my halifax to first direct. If i open a new account before the switch date will that new account be unaffected with the switch that is happening next week?
@@BeCleverWithYourCash Cheers, just opened my new account, so this way i get the switch bonus with first direct and get to keep an Halifax reward account to. This is why i love your channel.
Been doing this for a couple of months with 3 accounts. Works great. Glad to hear Halifax to Halifax transfer works hadn't tested that. I found that I couldn't apply for 2 accounts at the same time but by the time the 2nd card arrive I could open the 3rd account. Do you think its likely Halifax will change this to not include certain merchant types soon? I guess this video makes it more likely? :D Do you automate any of this? Do any of the savings accounts allow regular scheduled top-ups by debit card? Keep up the great videos!
@dan stone where did you spend the £500 ? 1 for revolut then the other 2 in just one savings account is it ?? atm im doing 1 for revolut and ther other 2 im hoping to do just yorkshire building society easy access savings account .. please help many thanks .
@@DanStoneUK was worried they might say its too much cash recycle and looks like money laundering lol but you been doing it for few months then yea ?? have you got 3 accounts yea?
Andy i manage to get 2 accounts but on the 3rd one i got rejected? So do you know why? We definitely allowed 3 right?? Anyone can help on this please? Also is it better to do revolut £500 x3 or is it better on savings account.?
Did you do them all at the same time? Maybe leave it a bit and try again for the third. Personally I would only do one to Revolut, in case too many triggers warnings at their side (it could look like money laundering)
@@BeCleverWithYourCash ye kind off for the 2nd and 3rd so what do i do just put the 500 on savings on the other 2 if i manage to open 3rd one . Thanks andy
@@BeCleverWithYourCash so can i do the other 2 for Yorkshire building society (internet saver plus issue 13) ? is that ok ? please help bit worried if it will work.
Hi Andy, I have this account, also a chase and a revolut account, how I usually do this is I have my salary paid to barclays to trigger blue rewards, then transfer that to the Halifax reward, then transfer 500 to chase, I spend 500 in each chase and Halifax and it gets me a tenner back per month. Am I right in thinking using your method I could continue where the 1500 hits barclays and then move 500 to revolut then the same 500 to chase whilst spending 500 in an additional (2nd HX rewards) account to push that to £15 per month? Then like you said for a third account to pull & 20 per month combining 3x HX accounts, revolut as the "hinge" between them and chase for the additional 1%
Hi, can someone please explain how can I use the £500 debit card hack? I’m looking to open 6 current reward accounts, 3 mine and 3 for my wife. I will get £30 per month, that pays my iphone 14 installment. Hence, I didn’t get about the top- up debit card idea. Can someone please explain how to use the same £500 in debit card?
That's a lot of work for £30 a month. I wouldn't bother. You have to pay the money to a savings or revolut then get it back, move to other account pay to savings or revolut 6 times over.
@@alcurtis93 that really depends on your overall income and how wealthy you are. But for me, this is not a lot of work. To open the additional 2 accounts, just took me 10min. I already had my standing order set up from one account to another every next day. So, from 1st account to 2nd, on day 1, and 2nd to 3rd on day 2nd, and so on, and so forth. The £500 bit a already got, you just need to top up the Revolut account with £500, and again, I do that while watching a movie, just takes around 15min. This £30 easily pays a broadband bill. Again, this really depends on your overall income, and how wealthy you are.
@@BeCleverWithYourCash so the revolut hack still 100 percent still works fine then ? as i will try it on the tide also for the usage of £300 to get the 75 bonus, i can do that right ?
@@Effigirl this is a Halifax bank account which is a different bank. You can have current accounts at lots of different banks, but they all operate in different ways
Mate, this is a brilliant hack! I've applied for another account and going to use my Chip savings account to debit my account and reach the £500 threshold. I will wait a bit before applying for the 3rd account. I was previously using my matched betting Smarkets account to debit my Halifax card but it always depends on how many free bets I get in the month. This is way better using Chip. Didn't think of that. Well done for sharing!
Tried this a few times and Halifax are declining any payments over £50 above that they send a text and after entering the code Halifax declines the payment. CS said they cannot fix the problem.
I’ve just done a switch from my unused Startling to First Direct for the £175. Once I see the £175 can I immediately switch it to Halifax or do I need to wait a set amount of time?
@@comfortzone5618thanks!! I’ve just switched from First Direct to Halifax. Do you know how to activate the debit card? It won’t allow me to make an online card payment?
I’ve transferred £500 via debit card to revolut but the Halifax app reward tracker hasn’t classed it as a spend. Any suggestions or does it take a while to update in the Halifax app?
I am already putting money into my Santander 123 Lite account to qualify for cashback. Can I simply transfer money from Santander to Halifax to avoid the £3 monthly fee?
Tried halifax-> revolut. Showing as "Money added via **card number**" in my revolut transaction and is in category 'top-up'. Still halifax does not count it as spending on card. Am I doing something wrong? Can someone please how to spend on halifax card with revolut step by step please??
This has now been my main account for the last year or so. No regrets!
I only found out about this account through your channel Andy, much much appreciated. Cheers.
Glad you’re liking it!
Hiya bud, great vid, could you please clarify how you 'spend' the 500 by topping up the NSI savings account- I've never had one so I'm not sure how you do it or how it classes as an expenditure on Halifaxs side.
Thanks for making this video Andy, I had discounted the offer as I didn't want to spend £500 per month on my debit card (I prefer to use a cashback credit card) As I already have a revolut account I will use your recommended solution and get the £60 per year. Also just in time for the £175 switch bonus which should arrive before Christmas.
Please update how you used revolut and did that give you a cashback?
@@deepakjohari9972Revolute works to get your £5 reward and also monzo works well 😊😊
I think the conditions for this account must have changed under the ‘what kind of spending counts towards the offer’ it specifically says: there are a few payments which don’t count for Reward Extras offers…when you make a money transfer to another account. That would seem to bomb out the NS&I hack.
You can also add money using a debit card to your Vanguard ISA account.
Great, thanks Mark
Great channel. I started following months ago. Please keep posting these updates. Great 👍
I think I might have misunderstood the hack. Are you saying that putting £500 into NS&I via the Rewards account Debit card is NOT a transfer to another account but is actually counted as a Debit card spend? If so, then I get it and apologies for my misunderstanding below.
THAT'S A LOT OF WORK ... I THINK GETTING A SWITCH BONUS TO THE RIGHT BANK IS EASIER
Def. One for the completists!
I have revolut, but I don’t know how to top up with an Halifax by debit card? Can you explain the process. I can only do by transfer 🧐
The is an option to add a card to top up your account in your revolut account. Happy to send a screenshot.
@@fahimomarismael5591 Hey there could you instruct me? i tried doing it but for some reason its not working.. it didnt register on halifax as 500 spent
@@otisg3812 sure. If you enter your revolut account, there is an option to top-up your account. There are different options, basically, you need to select, add money, and choose the add card securely option. Once you select to top up via card, it will ask for your card number, expiry date and CSC. That will count as a payment in your Halifax. You can check it in Halifax reward check. Not that if you did today, it takes around 2 to 3 days to refresh the Halifax rewards check eligibility.
I was able to top up my Revolut account with a Halifax debit card but I didn’t get the reward-any others have the same experience ?
Just press add money and add card
Or Apple Pay it.
what does debit card top up mean? Sorry I am new to the UK. I have a halifax rewards extra account with debit card and a revolut account with no debit card. What do I have to do now to show that I spent 500 on my halifax debit card?
Question please. It seems like it’s just me but I’m confused as to how to double this amount to £360? I understand opening 3 rewards accounts but how exactly is this then doubled? I think i’m not quite understanding the cashback aspect of it. Does someone mind explaining please
Thanks for this Andy. I've opened this account last week with the £175 bonus. I do not have recharge cards but I will use PayPal for the £500 spend. I do have two email addresses so will use one for my PayPal account and the other one to request money . Once I get the request I can pay with the Halifax card and then transfer from PayPal to whatever account I want.
Great. It’s worth checking the money tracks in the Halifax app with topping up PayPal (no reason why it won’t but useful to be sure)
NSI take their sweet time to let you withdraw. Put in last Monday and funds still not available. Just be careful if you need the money. On the plus side, Halifax recorded it as a payment and tells me I met the criteria for this month
what about yorkshire building society so im thinking of doing 1 for revolut then the other 2 account just in one savings accounts is that ok ?
Did you meet criteria this month with NS+I? I didn't, think Halifax must have cottoned on. Will have to pay off credit card balance instead. Downside of a popular UA-cam channel advertising loophole.
@@robertbutcher5265 does revolut not work for you now then or what??😳🙄😧
@@emmanuelm777 I am not sure about Revolut. Andy still has it mentioned on his blog so hopefully OK but it seems NS+I is sadly no longer registering as a valid qualifying debit card transaction, it did in January and Feb but not March.
@@robertbutcher5265 Same issue for me too. My NS&I premium bond purchases tracked for Jan and Feb but not March. My debit card spend to my Barclaycard has tracked successfully so I'll use only that in future.
It is absolutely insane that Halifax are offering this amount of money for people and I've no idea why everyone in the UK isn't taking advantage of it (besides them just being very lazy or unaware) and it is even crazier they are doing it now when their owner Lloyds Bank is getting hit with billions in PPI fines, yet here we are, I'll take advantage of this for as long as I can! 😁
Hi Andy, what is the best time to pay off your credit card via debit card to avoid the problem you had? As soon as I receive my statement?
I understand the 3 accounts with Halifax for £5pm each with debit card rotation with a savings account. I understand the £5pm cash back from Chase for spending (ie my Tesco groceries). Am I correct to think I’d need to triple my monthly Chase spend to get £15pm cash back…therefore the £360 you mention. If so, it sure I’d spend that much each month. Thanks :)
Hi Andy Does applying for a Revolut card create a hard search on your credit report? also any perks or switching bonuses with Recolut to take advantage of before a apply for one?
No hard search for Revolut. I’m not a huge fan of it really so I’d recommend the other options first
Thanks Andy, are you able to change the reward with Halifax once chosen?
Only after a year
Hi Andy, loving your channel
Just applied for my second reward CC.
I watched 3 times and just didn't catch how to pay the £500 into the revolute account without it being a bank transfer or direct debit?
Any chance you could list the instructions here as bullet points, id really appreciate it :))
Having the same issue
@@aniaferr figured it out in the end. It’s just the type of payment to revolute. When you open the app click add money and make sure you are using the long debit card number to withdraw the £500
@@AndrewKGreen oh great, thanks for explaining :)
@@AndrewKGreen hey which app? Revolut Or halifax? Sorry, I am struggling to work this out.
@@deepakjohari9972I'm sure it's the Revolte app as you need to use the long number of the Halifax card 😊
Can this be an additional account or does it need to be your main account?
HI Andy, great video thanks! I've just opened up a rewards current account, but I cant help but notice that it said that to get that £5 reward you cant transfer to another account. Have they changed this then or can you still use another Halifax account to spend the £500 to trigger the £5 reward?
You have to spend the £500 on the debit card rather than transfer it. The transferring to another account is for the £1,500 to avoid the £3 fee
Thank you Andy, you have revolutionised the way I see money (bank accounts in particular). Cheers 👍
Very informative good video 👍🏾
So the extra £180 is only if you happen to spend at least £1500 on for eg a Chase card?
If it's the same account that is used to get paid (i.e. monthly salary from an employer goes into the account) please could you let me know whether that can be used for/count towards the £1,500 a month paid in? Thanks.
It does count of course
@cippycippenham844 I realised afterwards, but thanks for replying.
Awesome Handy Andy you are on my Xmas card list mwah 😘
😆
Hi Andy do you need to long card number as well as sort code and account number to Switch to Halifax for the bonus?
Andy my 2nd account is up and running my card hasn't arrived yet But the pin is showing in the app but not the full debit card number I phoned up and was told i cant make payments till the card arrives and i activate it cheers steve
same here!
Thanks andy yet again. Im hopefully getting the 175 switching next week And have opened my 2nd account no problem and put in 1500 from first account. Is it possible to use my debit card and send 500 from account 2 to account 1 or use my yorkshire savings account please
So you need to use each debit card to spend £500, which can be adding money to the savings accounts I mentioned
@@BeCleverWithYourCash I cant thank you enough andy You have helped me so many times
You don't have to transfer the money back to Halifax. You can send it to a different bank to count towards payment requirements.
Yep, though if you need to spend 3x £500 you’ll want to keep it all in Halifax
@@BeCleverWithYourCash the £500 can rotate. If you have Santander123 lite, Barclays rewards, Natwest Rewards, plus 3x Halifax rewards That £500 should cover the card requirements and the pay in requirements on at least 6 accounts. With apps can do it whilst watching UA-cam.
@@traciesmobile683 .
A brilliant finance guide 🙏🏻
Does the reward contribute to the personal tax allowance?
Where in the terms & conditions does it say you can have up to 3 accounts per person? I believe what you say in this video but just want to see it stated by Halifax themselves
It was in the new terms that went live 1 Nov
@@BeCleverWithYourCash Ah yes, I've found it. Thank you. "Up to 3 in either your sole name or in joint names"
Which date do you have to pay in the 1500 by to avoid the monthly fee ?
There is no specific date, it needs to be within a month. So let's say you opened the account on December 3rd, from that day till 31st you need to pay £1,500 to that account just to avoid the £3 monthly fee.
@@fahimomarismael5591 thank you
To spend the £500 would it qualify if I "pay in" on the chase app to my chase savings account from one of the halifax reward cards?
Sadly not
@@BeCleverWithYourCash:( Thanks ever so much for getting back to me
How do you pay other bank account using debit card?
great video, so if i login onto my Halifax app ? i can access to all the accounts altogether ? or i have to logout and login into each account ?
Yep all there instantly!
May I just check; the £1500 going into the account to qualify - I was told by Barclays that it can’t be a transfer, it has to be paid from another source. Are you allowed to just transfer with Halifax then? I just closed an account with them based on what Barclays told me - I’m not allowed to have that account again too!
For Halifax a transfer is absolutely fine
According to the barclays website it says transfers count from a none barclays account. Were you transferring from another barclays account?
‘your non-Barclays accounts will count towards your qualifying amount’
Yeah, you’re right about Barclays. Guess the person I spoke to was wrong but now I’ve cancelled the other account!
@@brighteyes88 yup he/she didn't seem that helpful, I had to check myself as I'm considering opening an account soon. Maybe put a complaint in that you were given false information and they might reopen your account, if you're that bothered about it at least.
Sorry, it was Nationwide that I had to close the account with; the one that you’re only allowed once! Oh well. Ha!
Thanks both for your replies all the same; definitely worth knowing as I’ll do something like this in the future to get the most out of my money.
I love watching these videos, so informative and clever - thank you! :D
Hi Andy I don’t understand how you go from making £180 to £360 and I do have a chase account…
If you spend £500 normally on each of the three Halifax cards you’ll make £15 a month. But if instead you use the hack in the video and put £1,500 of normal spending on Chase instead you’ll get £30 a month
Hi Andy, i spend the 500 on my Halifax using the Revolt app but my Halifax did not register that as a payment and says my reward "is not on track" is that normal? did i do something wrong?
you found a sloution or not yet?
It's normal, wait for the 12th of the following month and £5 will be deposited into your account. I can confirm I did the "revolut" method and got paid £5
How many accounts can you have, could you have 100? What’s the maximum?
It’s in the video - just three
Do you spend with 1 card the £500
Or are you given 3 cards?
3 cards. each account 1 card.
So, i am switching my halifax to first direct. If i open a new account before the switch date will that new account be unaffected with the switch that is happening next week?
Yes it should be absolutely fine! Though of course Halifax have to agree to give it to you
@@BeCleverWithYourCash Cheers, just opened my new account, so this way i get the switch bonus with first direct and get to keep an Halifax reward account to. This is why i love your channel.
I have a reward account never had any rewards and I'm charged £17 for this account I pay in over £2000 a month
You might want to consider switching to the reward account as you seem to have the ultimate reward account
Can the account be used as a salary account
Been doing this for a couple of months with 3 accounts. Works great. Glad to hear Halifax to Halifax transfer works hadn't tested that. I found that I couldn't apply for 2 accounts at the same time but by the time the 2nd card arrive I could open the 3rd account.
Do you think its likely Halifax will change this to not include certain merchant types soon? I guess this video makes it more likely? :D
Do you automate any of this? Do any of the savings accounts allow regular scheduled top-ups by debit card?
Keep up the great videos!
Thanks for the info Dan. Who knows if they’ll change it, but they had a chance to do it when the upped it to three accounts and didn’t. 🤞
@dan stone where did you spend the £500 ? 1 for revolut then the other 2 in just one savings account is it ?? atm im doing 1 for revolut and ther other 2 im hoping to do just yorkshire building society easy access savings account .. please help many thanks .
@@emmanuelm777 all 3 accounts to revolut no need to be different they are all independent accounts.
@@DanStoneUK really? you manage to do it all ok?? with halifax ye
@@DanStoneUK was worried they might say its too much cash recycle and looks like money laundering lol but you been doing it for few months then yea ?? have you got 3 accounts yea?
Andy i manage to get 2 accounts but on the 3rd one i got rejected? So do you know why? We definitely allowed 3 right?? Anyone can help on this please? Also is it better to do revolut £500 x3 or is it better on savings account.?
Did you do them all at the same time? Maybe leave it a bit and try again for the third.
Personally I would only do one to Revolut, in case too many triggers warnings at their side (it could look like money laundering)
@@BeCleverWithYourCash ye kind off for the 2nd and 3rd so what do i do just put the 500 on savings on the other 2 if i manage to open 3rd one . Thanks andy
@@BeCleverWithYourCash so can i do the other 2 for Yorkshire building society (internet saver plus issue 13) ? is that ok ? please help bit worried if it will work.
Would this work if you spend money on a trading 212 ISA?
If it allows you to add money with a debit card
15*12=180. How did we end up up to 360? Hi there :)
As explained, you use a 1% cashback card for your everyday spending instead of the Halifax debit card
Hi Andy, I have this account, also a chase and a revolut account, how I usually do this is I have my salary paid to barclays to trigger blue rewards, then transfer that to the Halifax reward, then transfer 500 to chase, I spend 500 in each chase and Halifax and it gets me a tenner back per month. Am I right in thinking using your method I could continue where the 1500 hits barclays and then move 500 to revolut then the same 500 to chase whilst spending 500 in an additional (2nd HX rewards) account to push that to £15 per month? Then like you said for a third account to pull & 20 per month combining 3x HX accounts, revolut as the "hinge" between them and chase for the additional 1%
Yep totally, though I’d prefer to use the savings accounts rather than Revolut in case they get funny about so much money cycling around
Amazing Andy 😂.
Q - To receive the Bonus CashBack, can I transfer from didn’t A/c into my Halifax A/c to qualify ?
For the £5? Yep a different account is fine
Hi, can someone please explain how can I use the £500 debit card hack? I’m looking to open 6 current reward accounts, 3 mine and 3 for my wife. I will get £30 per month, that pays my iphone 14 installment. Hence, I didn’t get about the top- up debit card idea. Can someone please explain how to use the same £500 in debit card?
That's a lot of work for £30 a month. I wouldn't bother. You have to pay the money to a savings or revolut then get it back, move to other account pay to savings or revolut 6 times over.
Plus have 1500 going to each of the accounts to avoid the fee. Don't bother honestly
@@alcurtis93 that really depends on your overall income and how wealthy you are. But for me, this is not a lot of work. To open the additional 2 accounts, just took me 10min. I already had my standing order set up from one account to another every next day. So, from 1st account to 2nd, on day 1, and 2nd to 3rd on day 2nd, and so on, and so forth. The £500 bit a already got, you just need to top up the Revolut account with £500, and again, I do that while watching a movie, just takes around 15min. This £30 easily pays a broadband bill. Again, this really depends on your overall income, and how wealthy you are.
Does this work with adding cash to a vanguard account?
Yes it can, as long as it’s via the debit card
@@BeCleverWithYourCash thank you! Appreciate the videos as well
do you know if this still works? thanks
Yep!
@@BeCleverWithYourCash so the revolut hack still 100 percent still works fine then ? as i will try it on the tide also for the usage of £300 to get the 75 bonus, i can do that right ?
3 pound fee?? I pay friggin 17 quid
You are using the higher reward account then, which costs more
Is it the same as Barclays Loyalty account
Nope, very different to Barclays
@@BeCleverWithYourCash pls can explain to me?
@@Effigirl this is a Halifax bank account which is a different bank. You can have current accounts at lots of different banks, but they all operate in different ways
No way this stays like this
I hope it does but I'm not too sure if it will, seems like a lot of money they could be losing
I think it will as hardly anyone will bother doing it. It's a lot of work
Dont you need the 2 direct debits on each account to qualify ?
To get the £150 switching bonus you needed 2 direct debits but since they offered the £175 switching bonus you don't need any direct debits
No, not for Halfix
And HL Active Savings :)
Great!
Mate, this is a brilliant hack! I've applied for another account and going to use my Chip savings account to debit my account and reach the £500 threshold. I will wait a bit before applying for the 3rd account. I was previously using my matched betting Smarkets account to debit my Halifax card but it always depends on how many free bets I get in the month. This is way better using Chip. Didn't think of that. Well done for sharing!
I forgot about using Chip! Good shout
Tried this a few times and Halifax are declining any payments over £50 above that they send a text and after entering the code Halifax declines the payment. CS said they cannot fix the problem.
I’ve just done a switch from my unused Startling to First Direct for the £175. Once I see the £175 can I immediately switch it to Halifax or do I need to wait a set amount of time?
You can switch immediately!
@@comfortzone5618thanks!!
I’ve just switched from First Direct to Halifax. Do you know how to activate the debit card? It won’t allow me to make an online card payment?
@@Patchow I suppose you have to activate it at a cash point. Enter your pin etc!!!
I’ve transferred £500 via debit card to revolut but the Halifax app reward tracker hasn’t classed it as a spend. Any suggestions or does it take a while to update in the Halifax app?
Hello did you get an update ??
I am already putting money into my Santander 123 Lite account to qualify for cashback. Can I simply transfer money from Santander to Halifax to avoid the £3 monthly fee?
Yes you can! As long as you transfer in 1500 the fee will be waved.
@@comfortzone5618 thank you
Guys, does it work if you pay off your loan every month with £500 from halifax to get £5? 🙏
If it's a card payment. Won't work with direct debit or standing order
Tried halifax-> revolut.
Showing as "Money added via **card number**" in my revolut transaction and is in category 'top-up'. Still halifax does not count it as spending on card.
Am I doing something wrong? Can someone please how to spend on halifax card with revolut step by step please??
Heads up- this works now
@@deepakjohari9972 you means just add money through debit card number right? It works now?
Does this work when transferring to a Skipton Lisa account?
@andyclevercash thank you for the video as well