{
 "version": "1.0.0",
 "generatedOn": "2026-11-07",
 "licence": {
  "name": "CC BY 4.0",
  "url": "https://creativecommons.org/licenses/by/4.0/",
  "attribution": "Pocketly (pocketly.co.uk), from each bank’s own terms"
 },
 "source": "https://www.pocketly.co.uk",
 "docs": "https://www.pocketly.co.uk/developers",
 "offers": [
  {
   "id": "barclays-bank-account-switch-2026-10-r3",
   "url": "https://www.pocketly.co.uk/offers/barclays-bank-account-switch-2026-10-r3",
   "bank": {
    "id": "barclays",
    "name": "Barclays"
   },
   "product": "Barclays Bank Account",
   "label": "Switch and get up to £300 (Barclays, terms October 2026)",
   "kind": "switch",
   "summary": "£150 for a full switch with 3 Direct Debits, a salary of £2,000 paid in and 10 card payments. Paid about 28 working days after you meet the conditions.",
   "reward": {
    "counted": 150,
    "bankTotal": 300,
    "paid": "Paid about 28 working days after you meet the conditions",
    "clause": "FAQ: paid within 28 working days of meeting the criteria"
   },
   "conditions": [
    {
     "text": "Barclays needs the switch to move at least 3 Direct Debits.",
     "clause": "£150 CASS Bonus: full switch with at least three active Direct Debits"
    },
    {
     "text": "Have at least £2,000 of salary paid into Barclays",
     "clause": "£150 CASS Bonus: salary of at least £2,000 within 30 days of opening"
    },
    {
     "text": "Make 10 card payments with Barclays",
     "clause": "How to get up to £300: 10 debit card transactions"
    }
   ],
   "eligibility": [
    {
     "kind": "boolean_fact",
     "clause": "Eligibility: UK resident aged 18+"
    },
    {
     "kind": "not_held_at_application",
     "clause": "£150 CASS Bonus: be a new Personal Sole Barclays Current Account customer",
     "brands": [
      "barclays"
     ]
    },
    {
     "kind": "not_held_on",
     "clause": "£150 CASS Bonus: you already have any open Barclays Current Account on or before the offer started on 1 October 2026",
     "brands": [
      "barclays"
     ]
    },
    {
     "kind": "no_incentive_since",
     "clause": "£150 CASS Bonus: received a CASS bonus from Barclays before",
     "brands": [
      "barclays"
     ]
    },
    {
     "kind": "bank_determined",
     "clause": "£150 CASS Bonus: exclusions"
    }
   ],
   "availability": {
    "openFrom": "2026-10-01",
    "openBy": null,
    "withdrawable": true
   },
   "source": {
    "url": "https://www.barclays.co.uk/current-accounts/switch-offer/",
    "documentSha256": "5742d43a3a95307cc28831d4cf698d3cc81fe8a131837f754ffed36bdfd82e45",
    "snapshotSha256": "b18d9edc94e11f0bcb129048742b956cd06b335e5f2997e7c25f6e75a557e97d",
    "readOn": "2026-11-05",
    "lastConfirmedOn": "2026-11-05"
   },
   "freshness": "fresh",
   "recommended": true,
   "untestedRules": []
  },
  {
   "id": "barclays-premier-switch-2026-10-r2",
   "url": "https://www.pocketly.co.uk/offers/barclays-premier-switch-2026-10-r2",
   "bank": {
    "id": "barclays-premier",
    "name": "Barclays Premier"
   },
   "product": "Barclays Premier Current Account",
   "label": "Get up to £600 when you switch to Barclays Premier (Barclays, terms October 2026)",
   "kind": "premier",
   "summary": "£450 for a full switch with 3 Direct Debits, a salary of £5,000 paid in. Paid about 28 working days after you meet the conditions.",
   "reward": {
    "counted": 450,
    "bankTotal": 600,
    "paid": "Paid about 28 working days after you meet the conditions",
    "clause": "Section 3: £450 within 28 working days of meeting the criteria"
   },
   "conditions": [
    {
     "text": "Barclays Premier needs the switch to move at least 3 Direct Debits.",
     "clause": "Section 3: full CASS switch including 3 active Direct Debits"
    },
    {
     "text": "Have at least £5,000 of salary paid into Barclays Premier",
     "clause": "Offer page: pay in a minimum £5,000 salary within 30 days"
    }
   ],
   "eligibility": [
    {
     "kind": "boolean_fact",
     "clause": "Section 2: UK resident; New customers, 18+"
    },
    {
     "kind": "boolean_fact",
     "clause": "Section 2: pay in a gross annual income of at least £75,000, or hold at least £100,000 in savings or eligible investments with Barclays"
    },
    {
     "kind": "not_held_on",
     "clause": "Section 3: any open Barclays current account on or before 1 October 2026",
     "brands": [
      "barclays"
     ]
    },
    {
     "kind": "no_incentive_since",
     "clause": "Section 3: received a CASS bonus from Barclays in the past",
     "brands": [
      "barclays"
     ]
    },
    {
     "kind": "bank_determined",
     "clause": "Section 3: sole account, opened in the app"
    }
   ],
   "availability": {
    "openFrom": "2026-10-01",
    "openBy": null,
    "withdrawable": true
   },
   "source": {
    "url": "https://www.barclays.co.uk/current-accounts/premier-switch-offer/",
    "documentSha256": "f5560ac4d3c8e871df4a7503a7dd3ddaa7021d0d1dc479461ecbec6a5b401c86",
    "snapshotSha256": "2491c8c45ef65b25470f5abdc6e7e109d202aa7a76ca1a57d786303ce0f6da99",
    "readOn": "2026-11-05",
    "lastConfirmedOn": "2026-11-05"
   },
   "freshness": "fresh",
   "recommended": true,
   "untestedRules": []
  },
  {
   "id": "first-direct-1st-account-switch-2026-09-r4",
   "url": "https://www.pocketly.co.uk/offers/first-direct-1st-account-switch-2026-09-r4",
   "bank": {
    "id": "first-direct",
    "name": "first direct"
   },
   "product": "first direct 1st Account",
   "label": "£175 switch offer, plus £35 for accounts opened 14 Sep – 2 Dec 2026 (first direct)",
   "kind": "switch",
   "summary": "£210 for a full switch with 2 Direct Debits, paying in £1,000, 5 card payments and logging in to the app. Paid by the 19th of the month after you meet the conditions.",
   "reward": {
    "counted": 210,
    "bankTotal": null,
    "paid": "Paid by the 19th of the month after you meet the conditions",
    "clause": "The Switch offer payment: before the 20th of the following month"
   },
   "conditions": [
    {
     "text": "first direct needs the switch to move at least 2 Direct Debits (standing orders count too).",
     "clause": "Switch criteria: full CASS switch with at least two Direct Debits or standing orders"
    },
    {
     "text": "Pay in £1,000",
     "clause": "Switch criteria: pay in at least £1,000 within 45 days"
    },
    {
     "text": "Make 5 card payments with first direct",
     "clause": "Switch criteria: at least 5 debit card payments"
    },
    {
     "text": "Log in to the first direct app",
     "clause": "Switch criteria: register and log on to the app or online banking"
    }
   ],
   "eligibility": [
    {
     "kind": "boolean_fact",
     "clause": "Eligibility: UK resident aged 18+"
    },
    {
     "kind": "boolean_fact",
     "clause": "You will not be eligible if: previously held a first direct product"
    },
    {
     "kind": "not_opened_since",
     "clause": "You will not be eligible if: opened an HSBC current account on or after 1 January 2018",
     "brands": [
      "hsbc"
     ]
    }
   ],
   "availability": {
    "openFrom": "2024-09-09",
    "openBy": null,
    "withdrawable": true
   },
   "source": {
    "url": "https://www.firstdirect.com/banking/current-account/",
    "documentSha256": "5f110eb2debe1a355ddf67fee3a8aa07b2784872c0fab68f1f82892157fdfdad",
    "snapshotSha256": "d56c283ceee169d174bdcc9052e93dd3101df5a2f3cbb950cfcd95c09d912dbc",
    "readOn": "2026-11-05",
    "lastConfirmedOn": "2026-11-05"
   },
   "freshness": "fresh",
   "recommended": true,
   "untestedRules": []
  },
  {
   "id": "hsbc-bank-account-switch-2026-06",
   "url": "https://www.pocketly.co.uk/offers/hsbc-bank-account-switch-2026-06",
   "bank": {
    "id": "hsbc",
    "name": "HSBC UK"
   },
   "product": "HSBC UK Bank Account",
   "label": "£220 Bank Switch & Spend Offer (HSBC UK, from 15 June 2026)",
   "kind": "switch",
   "summary": "£220 for a full switch with 2 Direct Debits, paying in £2,000 and £500 of card spending. Paid about 60 days after you meet the conditions.",
   "reward": {
    "counted": 220,
    "bankTotal": null,
    "paid": "Paid about 60 days after you meet the conditions",
    "clause": "How and when will I be paid: within 60 days of meeting all criteria"
   },
   "conditions": [
    {
     "text": "HSBC UK needs the switch to move at least 2 Direct Debits.",
     "clause": "How do I qualify: full CASS switch including at least 2 Direct Debits"
    },
    {
     "text": "Pay in £2,000",
     "clause": "What counts as a deposit: £2,000; doesn’t need to stay in the account"
    },
    {
     "text": "Spend £500 on the HSBC UK card (not cash, gambling or transfers)",
     "clause": "What counts as debit card spend: £500 within 60 days"
    }
   ],
   "eligibility": [
    {
     "kind": "boolean_fact",
     "clause": "Eligibility: UK resident aged 18+"
    },
    {
     "kind": "not_held_since",
     "clause": "Exclusions: held an HSBC UK or first direct current account on or after 1 January 2023",
     "brands": [
      "hsbc",
      "first-direct"
     ]
    },
    {
     "kind": "bank_determined",
     "clause": "Exclusions"
    }
   ],
   "availability": {
    "openFrom": "2026-06-15",
    "openBy": null,
    "withdrawable": true
   },
   "source": {
    "url": "https://www.hsbc.co.uk/content/dam/hsbc/gb/pdf/terms-and-conditions/hsbc-uk-bank-switch-spend-offer-campaign-terms-and-conditions.pdf",
    "documentSha256": "793c0b386a15f1de429e8065e1b746e59ddd316f6ee25ab4fb67d04af4606500",
    "snapshotSha256": "75288160a7dc8f93a6e3912490dfef1518cc0857e26370ce07bca5a719500ac4",
    "readOn": "2026-11-05",
    "lastConfirmedOn": "2026-11-05"
   },
   "freshness": "fresh",
   "recommended": true,
   "untestedRules": []
  },
  {
   "id": "hsbc-premier-switch-2026-04",
   "url": "https://www.pocketly.co.uk/offers/hsbc-premier-switch-2026-04",
   "bank": {
    "id": "hsbc-premier",
    "name": "HSBC Premier"
   },
   "product": "HSBC UK Premier Bank Account",
   "label": "Premier Welcome Reward: £500 when you switch to HSBC Premier (HSBC UK, from 14 April 2026)",
   "kind": "premier",
   "summary": "£500 for a full switch, a salary of £5,100 paid in. Paid about 70 days after you meet the conditions.",
   "reward": {
    "counted": 500,
    "bankTotal": null,
    "paid": "Paid about 70 days after you meet the conditions",
    "clause": "How and when will I be paid: within 70 days of qualifying"
   },
   "conditions": [
    {
     "text": "HSBC Premier doesn’t require any Direct Debits: a full switch is enough.",
     "clause": "How do I qualify: a full switch using CASS"
    },
    {
     "text": "Have at least £5,100 of salary paid into HSBC Premier",
     "clause": "How do I qualify: an individual annual salary of £100,000+, at least one £5,100 monthly deposit"
    }
   ],
   "eligibility": [
    {
     "kind": "boolean_fact",
     "clause": "How do I qualify: UK resident, aged 18 or over"
    },
    {
     "kind": "boolean_fact",
     "clause": "What is the offer: an annual personal salary of £100,000+ paid in, or £100,000 or more in savings and investments with HSBC UK (Premier page: the same thresholds for the account)"
    },
    {
     "kind": "not_held_since",
     "clause": "You don’t qualify if: an existing HSBC UK or first direct current account holder, or held one on or after 1 January 2025",
     "brands": [
      "hsbc",
      "first-direct"
     ]
    },
    {
     "kind": "bank_determined",
     "clause": "You don’t qualify if; Useful information"
    }
   ],
   "availability": {
    "openFrom": "2026-04-14",
    "openBy": null,
    "withdrawable": true
   },
   "source": {
    "url": "https://www.hsbc.co.uk/content/dam/hsbc/gb/pdf/promotions/premier-reward-offer-t-c.pdf",
    "documentSha256": "3ac4bd830a41e86e3afa446cb9020c5bdab8c22e32ff695f5c3741db7e19be5a",
    "snapshotSha256": "19a4a961a887176c53401e72c8c15e0f542e2fc81a9504b6f91ea93f7917369d",
    "readOn": "2026-11-05",
    "lastConfirmedOn": "2026-11-05"
   },
   "freshness": "fresh",
   "recommended": true,
   "untestedRules": []
  },
  {
   "id": "lloyds-club-switch-2026-09-r4",
   "url": "https://www.pocketly.co.uk/offers/lloyds-club-switch-2026-09-r4",
   "bank": {
    "id": "lloyds",
    "name": "Lloyds"
   },
   "product": "Club Lloyds Account",
   "label": "£200 switch offer (Lloyds, 17 Sep – 9 Dec 2026)",
   "kind": "switch",
   "summary": "£200 for a full switch with 3 Direct Debits set up before the switch starts. Paid about 14 working days after you ask to switch.",
   "reward": {
    "counted": 200,
    "bankTotal": null,
    "paid": "Paid about 14 working days after you ask to switch",
    "clause": "Paid within 14 working days of the switch starting"
   },
   "conditions": [
    {
     "text": "Lloyds needs the switch to move at least 3 Direct Debits, already set up on your old account before the switch starts.",
     "clause": "Conditions: full switch with CASS including at least 3 active Direct Debits set up before the switch starts"
    }
   ],
   "eligibility": [
    {
     "kind": "no_incentive_since",
     "clause": "Exclusions: received a switching offer from Lloyds, Bank of Scotland or Halifax since 1 Jan 2023",
     "brands": [
      "lloyds",
      "halifax",
      "bank-of-scotland"
     ]
    }
   ],
   "availability": {
    "openFrom": "2026-09-17",
    "openBy": "2026-12-09",
    "withdrawable": true
   },
   "source": {
    "url": "https://www.lloydsbank.com/current-accounts/switch.html",
    "documentSha256": "702f2a653b302d1fcb9d37363eede1ae848664650bffe0d31d87264a33e502bc",
    "snapshotSha256": "5f336fe5f8063d2d3638bb9c8b6e4fc7eecc3c409f83cb71600e0272fb3ce717",
    "readOn": "2026-11-06",
    "lastConfirmedOn": "2026-11-06"
   },
   "freshness": "fresh",
   "recommended": true,
   "untestedRules": []
  },
  {
   "id": "nationwide-smd1863-2026-05-r3",
   "url": "https://www.pocketly.co.uk/offers/nationwide-smd1863-2026-05-r3",
   "bank": {
    "id": "nationwide",
    "name": "Nationwide Building Society"
   },
   "product": "Nationwide FlexDirect",
   "label": "£175 Current Account Switch Offer (Nationwide SMD1863, May 2026)",
   "kind": "switch",
   "summary": "£175 for a full switch with 2 Direct Debits, paying in £1,000 and one card payment. Paid about 10 days after you meet the conditions.",
   "reward": {
    "counted": 175,
    "bankTotal": null,
    "paid": "Paid about 10 days after you meet the conditions",
    "clause": "The offer payment"
   },
   "conditions": [
    {
     "text": "Nationwide Building Society needs the switch to move at least 2 Direct Debits.",
     "clause": "1. What you need to do"
    },
    {
     "text": "Pay in £1,000",
     "clause": "2. Pay in £1,000 within 31 days"
    },
    {
     "text": "Make a debit card payment with Nationwide Building Society",
     "clause": "2. One debit card payment within 31 days"
    }
   ],
   "eligibility": [
    {
     "kind": "no_incentive_since",
     "clause": "Prior offers",
     "brands": [
      "nationwide",
      "virgin-money"
     ]
    },
    {
     "kind": "bank_determined",
     "clause": "What else you need to know"
    },
    {
     "kind": "bank_determined",
     "clause": "What else you need to know"
    }
   ],
   "availability": {
    "openFrom": "2026-05-21",
    "openBy": null,
    "withdrawable": true
   },
   "source": {
    "url": "https://www.nationwide.co.uk/-/assets/nationwidecouk/documents/current-accounts/resources/smd1863-current-account-switch-offer-terms.pdf",
    "documentSha256": "6df89c8ad6f718b146566c9b657f0ece49e5ef80df90c74f4ebfd5974515752c",
    "snapshotSha256": "1b4c1a884b9d101fdc62e7e262cb6f0652035d09b1e851e65d47eb1c8053631e",
    "readOn": "2026-11-05",
    "lastConfirmedOn": "2026-11-05"
   },
   "freshness": "fresh",
   "recommended": true,
   "untestedRules": []
  },
  {
   "id": "natwest-premier-switch-2026-09",
   "url": "https://www.pocketly.co.uk/offers/natwest-premier-switch-2026-09",
   "bank": {
    "id": "natwest-premier",
    "name": "NatWest Premier"
   },
   "product": "NatWest Premier Select Account",
   "label": "£500 Premier Welcome Bonus when you switch to NatWest Premier (NatWest, terms September 2026)",
   "kind": "premier",
   "summary": "£500 for a full switch, paying in £15,000 and logging in to the app. Paid 90–120 days after the switch completes.",
   "reward": {
    "counted": 500,
    "bankTotal": null,
    "paid": "Paid 90–120 days after the switch completes",
    "clause": "Checked 90 days after the switch completes; paid within 30 calendar days"
   },
   "conditions": [
    {
     "text": "NatWest Premier doesn’t require any Direct Debits: a full switch is enough.",
     "clause": "Step 3: full switch of an account not with NatWest, RBS or Ulster Bank, from 2 September 2026"
    },
    {
     "text": "Pay in £15,000",
     "clause": "Step 5: pay in at least £15,000 within 90 calendar days of the switch completing (multiple payments count)"
    },
    {
     "text": "Log in to the NatWest Premier app after the switch completes",
     "clause": "Step 4: log in to the NatWest app within 90 calendar days of the switch completing"
    }
   ],
   "eligibility": [
    {
     "kind": "boolean_fact",
     "clause": "Step 1: be a UK resident"
    },
    {
     "kind": "boolean_fact",
     "clause": "Step 2: at least £100k sole income paid into the new account, or at least £100k savings or investments with NatWest, or a £500k+ mortgage with NatWest"
    },
    {
     "kind": "not_held_on",
     "clause": "Offer: for customers who don’t hold a NatWest personal current account as of 2 September 2026",
     "brands": [
      "natwest"
     ]
    },
    {
     "kind": "no_incentive_since",
     "clause": "Important information: ever received cash from a NatWest, RBS or Ulster Bank switch offer",
     "brands": [
      "natwest",
      "rbs",
      "ulster-bank"
     ]
    }
   ],
   "availability": {
    "openFrom": "2026-09-02",
    "openBy": null,
    "withdrawable": true
   },
   "source": {
    "url": "https://www.natwest.com/content/dam/natwest/premier/documents/premier-switch-offer-terms/NW-Premier-Switch-Offer-Terms-September-2026.pdf",
    "documentSha256": "d4c425744bbe1ca27cc90dea264cf39777b9ee05425fc9adb8412b4fb95b4708",
    "snapshotSha256": "59b76a7e54c0ff402fb1328315f80017c43e9438f5ba69686fcaf105f10a1d25",
    "readOn": "2026-11-05",
    "lastConfirmedOn": "2026-11-05"
   },
   "freshness": "fresh",
   "recommended": true,
   "untestedRules": []
  },
  {
   "id": "natwest-select-switch-2026-05-r2",
   "url": "https://www.pocketly.co.uk/offers/natwest-select-switch-2026-05-r2",
   "bank": {
    "id": "natwest",
    "name": "NatWest"
   },
   "product": "NatWest Select Account",
   "label": "£200 Switch Offer (NatWest, terms May 2026)",
   "kind": "switch",
   "summary": "£200 for a full switch, paying in £1,250 and logging in to the app. Paid about 30 days after you meet the conditions.",
   "reward": {
    "counted": 200,
    "bankTotal": null,
    "paid": "Paid about 30 days after you meet the conditions",
    "clause": "Paid within 30 calendar days after completing the steps"
   },
   "conditions": [
    {
     "text": "NatWest doesn’t require any Direct Debits: a full switch is enough.",
     "clause": "Step 3: full switch of an account not with NatWest, RBS or Ulster Bank"
    },
    {
     "text": "Pay in £1,250",
     "clause": "Step 4: pay in £1,250 within 60 days of the switch completing"
    },
    {
     "text": "Log in to the NatWest app after the switch completes",
     "clause": "Step 4: log in to the NatWest app within 60 days of the switch completing"
    }
   ],
   "eligibility": [
    {
     "kind": "boolean_fact",
     "clause": "Eligibility: UK resident aged 18+"
    },
    {
     "kind": "not_held_on",
     "clause": "Offer: for customers who don’t hold a NatWest current account as of 6 May 2026",
     "brands": [
      "natwest"
     ]
    },
    {
     "kind": "no_incentive_since",
     "clause": "Important information: ever received cash from a NatWest, RBS or Ulster Bank switch offer",
     "brands": [
      "natwest",
      "rbs",
      "ulster-bank"
     ]
    }
   ],
   "availability": {
    "openFrom": "2026-05-06",
    "openBy": null,
    "withdrawable": true
   },
   "source": {
    "url": "https://www.natwest.com/content/dam/natwest/personal/current-accounts/documents/switch-offer-terms/nw-switch-offer-terms-may-2026.pdf",
    "documentSha256": "ce47f644dead5f959c6a3eac0499da813aebf6597117ce51150903d2b013b351",
    "snapshotSha256": "16ff57e775e2d7d0ab720fe2dc2a2f634265bf85fd746d5f278111d4a06720c3",
    "readOn": "2026-11-05",
    "lastConfirmedOn": "2026-11-05"
   },
   "freshness": "fresh",
   "recommended": true,
   "untestedRules": []
  },
  {
   "id": "rbs-select-switch-2026-05-r2",
   "url": "https://www.pocketly.co.uk/offers/rbs-select-switch-2026-05-r2",
   "bank": {
    "id": "rbs",
    "name": "RBS"
   },
   "product": "RBS Select Account",
   "label": "£200 Switch Offer (RBS, terms May 2026)",
   "kind": "switch",
   "summary": "£200 for a full switch, paying in £1,250 and logging in to the app. Paid about 30 days after you meet the conditions.",
   "reward": {
    "counted": 200,
    "bankTotal": null,
    "paid": "Paid about 30 days after you meet the conditions",
    "clause": "Paid within 30 calendar days after completing the steps"
   },
   "conditions": [
    {
     "text": "RBS doesn’t require any Direct Debits: a full switch is enough.",
     "clause": "Step 3: full switch of an account not with RBS, NatWest or Ulster Bank"
    },
    {
     "text": "Pay in £1,250",
     "clause": "Step 4: pay in £1,250 within 60 days of the switch completing; funds stay 24 hours"
    },
    {
     "text": "Log in to the RBS app after the switch completes",
     "clause": "Step 4: log in to the RBS app within 60 days of the switch completing"
    }
   ],
   "eligibility": [
    {
     "kind": "boolean_fact",
     "clause": "Eligibility: UK resident aged 18+"
    },
    {
     "kind": "not_held_on",
     "clause": "Offer: for customers who don’t hold an RBS current account as of 6 May 2026",
     "brands": [
      "rbs"
     ]
    },
    {
     "kind": "no_incentive_since",
     "clause": "Important information: ever received cash from an RBS, NatWest or Ulster Bank switch offer",
     "brands": [
      "natwest",
      "rbs",
      "ulster-bank"
     ]
    }
   ],
   "availability": {
    "openFrom": "2026-05-06",
    "openBy": null,
    "withdrawable": true
   },
   "source": {
    "url": "https://www.rbs.co.uk/",
    "documentSha256": "0184ca5674bd8b91b7d19f551f2ea54715f6687617935331624651ca18e2c888",
    "snapshotSha256": "5281fb5d159ca7649a252885fd7179606ebb27d67cdd35ff8f06f76eb17ab4dd",
    "readOn": "2026-11-06",
    "lastConfirmedOn": "2026-11-06"
   },
   "freshness": "fresh",
   "recommended": true,
   "untestedRules": []
  },
  {
   "id": "santander-everyday-switch-2026-10-r3",
   "url": "https://www.pocketly.co.uk/offers/santander-everyday-switch-2026-10-r3",
   "bank": {
    "id": "santander",
    "name": "Santander"
   },
   "product": "Santander Everyday Current Account",
   "label": "£240 Switch & Save offer (Santander, switch requests from 27 Oct 2026)",
   "kind": "switch",
   "summary": "£240 for a full switch with 2 household-bill Direct Debits, paying in £1,500 and £200 into a linked saver. Paid 60–90 days after you ask to switch.",
   "reward": {
    "counted": 240,
    "bankTotal": null,
    "paid": "Paid 60–90 days after you ask to switch",
    "clause": "Switcher offer payment: checked 60 days after the request, paid within the next 30 days"
   },
   "conditions": [
    {
     "text": "Santander needs the switch to move at least 2 Direct Debits, and they must be household bills paid straight to the supplier.",
     "clause": "Eligibility: full switch with CASS, closing your external account"
    },
    {
     "text": "Council tax, mobile or home phone, broadband, paid-for TV, water, gas or electricity, paid directly to the supplier (not via PayPal, Stripe and similar). Direct Debits funding Santander, cahoot or Cater Allen savings don’t count.",
     "clause": "General term 3: Household Direct Debits"
    },
    {
     "text": "Pay in £1,500",
     "clause": "Within 60 days of the switch request: pay in at least £1,500"
    },
    {
     "text": "Pay in £200 into its linked saver",
     "clause": "Within 60 days: fund a Santander Regular Saver with at least £200, and still hold it when paid"
    }
   ],
   "eligibility": [
    {
     "kind": "boolean_fact",
     "clause": "Eligibility: UK resident aged 18+"
    },
    {
     "kind": "not_held_on",
     "clause": "You won’t qualify if: held a current account with Santander on 1 January 2026",
     "brands": [
      "santander"
     ]
    },
    {
     "kind": "no_incentive_since",
     "clause": "You won’t qualify if: previously received a Santander switching incentive",
     "brands": [
      "santander"
     ]
    }
   ],
   "availability": {
    "openFrom": "2026-10-27",
    "openBy": null,
    "withdrawable": true
   },
   "source": {
    "url": "https://www.santander.co.uk/assets/s3fs-public/AD_documents/Santander_240_Switch_and_Save_offer_Terms_and_conditions_COREMC0855OCT26PUBCDT.pdf",
    "documentSha256": "9c30594f01aafe6458b1f03f25066c7f317be30e390b936b364bf3ca6092d0e6",
    "snapshotSha256": "bb769cd2f7b73d58767f1072cf20a5520cc8719d1904374e4969986c07e7566c",
    "readOn": "2026-11-05",
    "lastConfirmedOn": "2026-11-05"
   },
   "freshness": "fresh",
   "recommended": true,
   "untestedRules": []
  }
 ],
 "savingsAndCashback": [
  {
   "id": "natwest-digital-regular-saver",
   "kind": "saver",
   "counted": false,
   "bank": "NatWest",
   "product": "Digital Regular Saver",
   "url": "https://www.natwest.com/savings/digital-regular-saver.html",
   "document": null,
   "readOn": "2026-11-05",
   "stale": false,
   "upTo": 51,
   "fees": 0,
   "overMonths": 12,
   "perBalance": null,
   "who": "You must be a UK resident, aged 16 years or over and a NatWest current account holder.",
   "terms": [
    {
     "what": "Rate",
     "words": "Earn 5.25% AER / 5.13% Gross p.a. (variable) on your first £5,000 and 1.00% AER / 1.00% Gross p.a. (variable) on any amount over £5,000 in your account."
    },
    {
     "what": "Paying in",
     "words": "a standing order does need to be set up from your NatWest current account to add between £1 and £150 each calendar month into the account"
    }
   ],
   "interest": {
    "account": "Digital Regular Saver",
    "aerBp": 525,
    "fixed": false,
    "months": 12,
    "basis": "monthly_saving",
    "minMonthly": 100,
    "maxMonthly": 15000
   },
   "cashback": null
  },
  {
   "id": "rbs-digital-regular-saver",
   "kind": "saver",
   "counted": false,
   "bank": "RBS",
   "product": "Digital Regular Saver",
   "url": "https://www.rbs.co.uk/savings/digital-regular-saver.html",
   "document": null,
   "readOn": "2026-11-05",
   "stale": false,
   "upTo": 51,
   "fees": 0,
   "overMonths": 12,
   "perBalance": null,
   "who": "A UK resident, aged 16 years or over and a Royal Bank of Scotland current account holder.",
   "terms": [
    {
     "what": "Rate",
     "words": "Earn 5.25% AER / 5.13% Gross p.a. (variable) on your first £5,000 and 1.00% AER / 1.00% Gross p.a. (variable) on any amount over £5,000 in your account."
    },
    {
     "what": "Paying in",
     "words": "you'll need to set up a standing order from your Royal Bank of Scotland current account of between £1 and £150 each calendar month"
    }
   ],
   "interest": {
    "account": "Digital Regular Saver",
    "aerBp": 525,
    "fixed": false,
    "months": 12,
    "basis": "monthly_saving",
    "minMonthly": 100,
    "maxMonthly": 15000
   },
   "cashback": null
  },
  {
   "id": "hsbc-regular-saver",
   "kind": "saver",
   "counted": false,
   "bank": "HSBC UK",
   "product": "Regular Saver",
   "url": "https://www.hsbc.co.uk/savings/products/regular-saver/",
   "document": null,
   "readOn": "2026-11-05",
   "stale": false,
   "upTo": 81,
   "fees": 0,
   "overMonths": 12,
   "perBalance": null,
   "who": "Have an HSBC current account (excluding an Appointee / Executor Account) which you must maintain for the duration of the fixed term",
   "terms": [
    {
     "what": "Rate",
     "words": "a fixed interest rate of 5.00% AER / gross for 12 months, provided that you don't make a withdrawal"
    },
    {
     "what": "Paying in",
     "words": "The minimum monthly deposit is £25 per month · The maximum monthly deposit is £250 per month · Regular deposits must be made by standing order each month"
    }
   ],
   "interest": {
    "account": "Regular Saver",
    "aerBp": 500,
    "fixed": true,
    "months": 12,
    "basis": "monthly_saving",
    "minMonthly": 2500,
    "maxMonthly": 25000
   },
   "cashback": null
  },
  {
   "id": "first-direct-regular-saver",
   "kind": "saver",
   "counted": false,
   "bank": "first direct",
   "product": "Regular Saver",
   "url": "https://www.firstdirect.com/savings/products/regular-saver/",
   "document": null,
   "readOn": "2026-11-05",
   "stale": false,
   "upTo": 136,
   "fees": 0,
   "overMonths": 12,
   "perBalance": null,
   "who": "available to first direct 1st Account customers via our App and Online Banking · You need to keep your 1st Account open for the 12 months you have your Regular Saver.",
   "terms": [
    {
     "what": "Rate",
     "words": "7.00% AER/Gross p.a. fixed for 12 months"
    },
    {
     "what": "Paying in",
     "words": "save between £25 and £300 a month, up to £3,600 per year"
    }
   ],
   "interest": {
    "account": "Regular Saver",
    "aerBp": 700,
    "fixed": true,
    "months": 12,
    "basis": "monthly_saving",
    "minMonthly": 2500,
    "maxMonthly": 30000
   },
   "cashback": null
  },
  {
   "id": "santander-regular-saver",
   "kind": "saver",
   "counted": false,
   "bank": "Santander",
   "product": "Regular Saver",
   "url": "https://www.santander.co.uk/personal/savings-and-investments/savings/regular-saver",
   "document": null,
   "readOn": "2026-11-05",
   "stale": false,
   "upTo": 104,
   "fees": 0,
   "overMonths": 12,
   "perBalance": null,
   "who": "You can only have one Regular Saver at a time, plus you must hold a Santander current account.",
   "terms": [
    {
     "what": "Rate",
     "words": "Save up to £200 a month from a Santander current account and get 8.00% AER/gross (variable), which includes a 5.00% AER/gross (variable) bonus for the first 12 months"
    },
    {
     "what": "Afterwards",
     "words": "After 12 months you’ll earn interest at the rate without the bonus, currently 3.00% AER/gross (variable)"
    }
   ],
   "interest": {
    "account": "Regular Saver",
    "aerBp": 800,
    "fixed": false,
    "months": 12,
    "basis": "monthly_saving",
    "maxMonthly": 20000
   },
   "cashback": null
  },
  {
   "id": "nationwide-flex-regular-saver",
   "kind": "saver",
   "counted": false,
   "bank": "Nationwide",
   "product": "Flex Regular Saver",
   "url": "https://www.nationwide.co.uk/savings/flex-regular-saver",
   "document": null,
   "readOn": "2026-11-05",
   "stale": false,
   "upTo": 84,
   "fees": 0,
   "overMonths": 12,
   "perBalance": null,
   "who": "just for existing current account customers",
   "terms": [
    {
     "what": "Rate",
     "words": "6.50% AER/gross a year (variable)"
    },
    {
     "what": "Paying in",
     "words": "You can save up to £200 a month for a year."
    },
    {
     "what": "Withdrawals",
     "words": "If you withdraw money more than 3 times over the year, your interest rate will decrease to 1.05% AER/gross a year (variable) for the rest of the year."
    }
   ],
   "interest": {
    "account": "Flex Regular Saver",
    "aerBp": 650,
    "fixed": false,
    "months": 12,
    "basis": "monthly_saving",
    "maxMonthly": 20000
   },
   "cashback": null
  },
  {
   "id": "tsb-monthly-saver",
   "kind": "saver",
   "counted": false,
   "bank": "TSB",
   "product": "Monthly Saver",
   "url": "https://www.tsb.co.uk/savings/monthly-saver.html",
   "document": null,
   "readOn": "2026-11-05",
   "stale": false,
   "upTo": 81,
   "fees": 0,
   "overMonths": 12,
   "perBalance": null,
   "who": "You'll need a TSB current account account to apply",
   "terms": [
    {
     "what": "Rate",
     "words": "Save £25 to £250 each month by standing order and get 5.00% AER (fixed) interest for 1 year."
    }
   ],
   "interest": {
    "account": "Monthly Saver",
    "aerBp": 500,
    "fixed": true,
    "months": 12,
    "basis": "monthly_saving",
    "minMonthly": 2500,
    "maxMonthly": 25000
   },
   "cashback": null
  },
  {
   "id": "co-op-regular-saver",
   "kind": "saver",
   "counted": false,
   "bank": "Co-operative Bank",
   "product": "Regular Saver",
   "url": "https://www.co-operativebank.co.uk/products/savings/regular-saver/",
   "document": null,
   "readOn": "2026-11-05",
   "stale": false,
   "upTo": 113,
   "fees": 0,
   "overMonths": 12,
   "perBalance": null,
   "who": "Have a personal Co-operative Bank current account (smile accounts are not eligible)",
   "terms": [
    {
     "what": "Rate",
     "words": "Earn 7.00% interest, calculated daily (gross / AER variable)"
    },
    {
     "what": "Paying in",
     "words": "Open with as little as £1, and save up to a maximum of £250 per calendar month"
    }
   ],
   "interest": {
    "account": "Regular Saver",
    "aerBp": 700,
    "fixed": false,
    "months": 12,
    "basis": "monthly_saving",
    "minMonthly": 100,
    "maxMonthly": 25000
   },
   "cashback": null
  },
  {
   "id": "chase-regular-saver",
   "kind": "saver",
   "counted": false,
   "bank": "Chase",
   "product": "Regular Saver",
   "url": "https://www.chase.co.uk/gb/en/product/regular-saver/",
   "document": null,
   "readOn": "2026-11-05",
   "stale": false,
   "upTo": 126,
   "fees": 0,
   "overMonths": 12,
   "perBalance": null,
   "who": "Chase current account required - eligibility applies.",
   "terms": [
    {
     "what": "Rate",
     "words": "6.5% AER (6.31% gross) fixed for 12 months. Calculated daily, paid monthly."
    },
    {
     "what": "Paying in",
     "words": "Up to £300 a month."
    }
   ],
   "interest": {
    "account": "Regular Saver",
    "aerBp": 650,
    "fixed": true,
    "months": 12,
    "basis": "monthly_saving",
    "maxMonthly": 30000
   },
   "cashback": null
  },
  {
   "id": "cumberland-regular-saver",
   "kind": "saver",
   "counted": false,
   "bank": "Cumberland Building Society",
   "product": "Regular Saver",
   "url": "https://www.cumberland.co.uk/savings/regular",
   "document": null,
   "readOn": "2026-11-05",
   "stale": false,
   "upTo": 69,
   "fees": 0,
   "overMonths": 12,
   "perBalance": null,
   "who": "This account is available to open for Cumberland Plus current account customers only and can be opened at any Cumberland branch.",
   "terms": [
    {
     "what": "Rate",
     "words": "4.25% Variable Gross Interest*/AER†"
    },
    {
     "what": "Paying in",
     "words": "You can deposit a maximum of £250 each month."
    }
   ],
   "interest": {
    "account": "Regular Saver",
    "aerBp": 425,
    "fixed": false,
    "months": 12,
    "basis": "monthly_saving",
    "maxMonthly": 25000
   },
   "cashback": null
  },
  {
   "id": "santander-edge-saver",
   "kind": "saver",
   "counted": false,
   "bank": "Santander",
   "product": "Edge Saver",
   "url": "https://www.santander.co.uk/personal/savings-and-investments/savings/santander-edge-saver",
   "document": null,
   "readOn": "2026-11-05",
   "stale": false,
   "upTo": 60,
   "fees": 0,
   "overMonths": 12,
   "perBalance": 1000,
   "who": "You must be 18 or over, live in the UK and have a Santander Edge or Santander Edge Explorer current account.",
   "terms": [
    {
     "what": "Rate",
     "words": "6.00% AER / 5.84% gross (variable) interest on balances up to £4,000 (includes 2.50% AER / 2.47% gross (variable) bonus rate for the first 12 months from opening)"
    },
    {
     "what": "Above the limit",
     "words": "No interest is paid on balances above £4,000."
    }
   ],
   "interest": {
    "account": "Edge Saver",
    "aerBp": 600,
    "fixed": false,
    "months": 12,
    "basis": "balance",
    "maxBalance": 400000
   },
   "cashback": null
  },
  {
   "id": "first-direct-bonus-savings",
   "kind": "saver",
   "counted": false,
   "bank": "first direct",
   "product": "Bonus Savings Account",
   "url": "https://www.firstdirect.com/savings/products/bonus-savings-account/",
   "document": null,
   "readOn": "2026-11-05",
   "stale": false,
   "upTo": 33,
   "fees": 0,
   "overMonths": 12,
   "perBalance": 1000,
   "who": "you just need to be a UK resident and hold a first direct 1st Account",
   "terms": [
    {
     "what": "Rate",
     "words": "earn a bonus rate of 3.35% AER (3.30% gross) on balances up to £50,000 every month you don't make a withdrawal"
    }
   ],
   "interest": {
    "account": "Bonus Savings Account",
    "aerBp": 335,
    "fixed": false,
    "months": 12,
    "basis": "balance",
    "maxBalance": 5000000
   },
   "cashback": null
  },
  {
   "id": "hsbc-online-bonus-saver",
   "kind": "saver",
   "counted": false,
   "bank": "HSBC UK",
   "product": "Online Bonus Saver",
   "url": "https://www.hsbc.co.uk/savings/products/online-bonus-saver/",
   "document": null,
   "readOn": "2026-11-05",
   "stale": false,
   "upTo": 33,
   "fees": 0,
   "overMonths": 12,
   "perBalance": 1000,
   "who": "Aged 16 years or over · Hold an HSBC current or savings account",
   "terms": [
    {
     "what": "Rate",
     "words": "a bonus rate of 3.35% AER / 3.30% gross on balances up to £50,000"
    }
   ],
   "interest": {
    "account": "Online Bonus Saver",
    "aerBp": 335,
    "fixed": false,
    "months": 12,
    "basis": "balance",
    "maxBalance": 5000000
   },
   "cashback": null
  },
  {
   "id": "barclays-rainy-day-saver",
   "kind": "saver",
   "counted": false,
   "bank": "Barclays",
   "product": "Rainy Day Saver",
   "url": "https://www.barclays.co.uk/savings/instant-access/rainy-day-saver/",
   "document": null,
   "readOn": "2026-11-05",
   "stale": false,
   "upTo": 39,
   "fees": 0,
   "overMonths": 12,
   "perBalance": 1000,
   "who": "To open this account, you need to be a Barclays Blue Rewards member or a Premier Banking customer, 18 years old or over and a UK resident.",
   "terms": [
    {
     "what": "Rate",
     "words": "3.96% / 3.89% On the first £5,000 of your balance · 0.70% / 0.70% On amounts over £5,000"
    },
    {
     "what": "Blue Rewards",
     "words": "pay the £5 monthly fee. We’ll take this from your nominated current account on the second working day of the month."
    }
   ],
   "interest": {
    "account": "Rainy Day Saver",
    "aerBp": 396,
    "fixed": false,
    "months": 12,
    "basis": "balance",
    "maxBalance": 500000
   },
   "cashback": null
  },
  {
   "id": "virgin-money-m-plus-saver",
   "kind": "saver",
   "counted": false,
   "bank": "Virgin Money",
   "product": "M Plus Saver",
   "url": "https://uk.virginmoney.com/current-accounts/pca/",
   "document": {
    "url": "https://uk.virginmoney.com/downloads/pdf/savings/m-plus-saver-summary-box.pdf",
    "sha256": "8e0f2d008a067a297108618c035244abb50d0303ee1e9e3fc5b70749107d63a7"
   },
   "readOn": "2026-11-05",
   "stale": false,
   "upTo": 17,
   "fees": 0,
   "overMonths": 12,
   "perBalance": 1000,
   "who": "You may only open an M Plus Saver if you have an M Plus Account with us in the same name(s).",
   "terms": [
    {
     "what": "Rate",
     "words": "up to and including £25,000 1.74 [gross] 1.75 [AER] · over £25,000 1.24 1.25"
    }
   ],
   "interest": {
    "account": "M Plus Saver",
    "aerBp": 175,
    "fixed": false,
    "months": 12,
    "basis": "balance",
    "maxBalance": 2500000
   },
   "cashback": null
  },
  {
   "id": "starling-easy-saver",
   "kind": "saver",
   "counted": false,
   "bank": "Starling",
   "product": "Easy Saver",
   "url": "https://www.starlingbank.com/savings/easy-saver/",
   "document": null,
   "readOn": "2026-11-05",
   "stale": false,
   "upTo": 20,
   "fees": 0,
   "overMonths": 6,
   "perBalance": 1000,
   "who": "Starling personal current account or joint account required.",
   "terms": [
    {
     "what": "Rate",
     "words": "Earn 4.00% AER (3.92% gross) variable* interest on balances up to £25k. Includes a fixed bonus of 1.25% AER for your first 6 months."
    },
    {
     "what": "Bonus",
     "words": "Introductory bonus rate available only for new personal and joint Easy Saver accounts."
    }
   ],
   "interest": {
    "account": "Easy Saver",
    "aerBp": 400,
    "fixed": false,
    "months": 6,
    "basis": "balance",
    "maxBalance": 2500000
   },
   "cashback": null
  },
  {
   "id": "nationwide-flexdirect-cashback",
   "kind": "cashback",
   "counted": false,
   "bank": "Nationwide",
   "product": "FlexDirect Cashback Offer",
   "url": "https://www.nationwide.co.uk/current-accounts/flexdirect",
   "document": {
    "url": "https://www.nationwide.co.uk/-/assets/nationwidecouk/documents/current-accounts/resources/p4327-flexdirect-cashback-offer-terms.pdf?rev=f263a387a0df4435bc663e161942bd91",
    "sha256": "74660d128ce4e89aaa14005d4c24277ce80f6d1a76b3f39bc62afcd8a7dd955c"
   },
   "readOn": "2026-11-05",
   "stale": false,
   "upTo": 120,
   "fees": 0,
   "overMonths": 12,
   "perBalance": null,
   "who": "You must have opened a FlexDirect account on or after 9 September 2026. · You won’t get this offer if you’ve had a FlexDirect account in the last 3 years",
   "terms": [
    {
     "what": "Cashback",
     "words": "Earn £5.00 cashback each month, when you hit at least £500 of qualifying spend made using your FlexDirect debit card. · Earn £5.00 cashback each month, when you hit at least £300 of qualifying Direct Debit spend made from your FlexDirect account."
    },
    {
     "what": "Paying in",
     "words": "You need to pay at least £1,500 each month into your FlexDirect account."
    },
    {
     "what": "How long",
     "words": "you will receive cashback on your qualifying spend for 12 months from the month you open your FlexDirect account."
    }
   ],
   "interest": null,
   "cashback": {
    "capPerMonth": 10,
    "months": 12,
    "feePerMonth": 0
   }
  },
  {
   "id": "tsb-spend-and-save",
   "kind": "cashback",
   "counted": false,
   "bank": "TSB",
   "product": "Spend & Save",
   "url": "https://www.tsb.co.uk/current-accounts/spend-and-save-account.html",
   "document": null,
   "readOn": "2026-11-05",
   "stale": false,
   "upTo": 30,
   "fees": 0,
   "overMonths": 6,
   "perBalance": null,
   "who": "You are eligible for cashback if you open a new Spend & Save account or Spend & Save Plus account.",
   "terms": [
    {
     "what": "Cashback",
     "words": "you must make 20 or more payments using your debit card each calendar month to earn £5 cashback. You can earn cashback for the first six calendar months, which includes the month your Spend & Save account is opened."
    },
    {
     "what": "Paid",
     "words": "Cashback will be paid to your account by the 20th of the next calendar month."
    }
   ],
   "interest": null,
   "cashback": {
    "capPerMonth": 5,
    "months": 6,
    "feePerMonth": 0
   }
  },
  {
   "id": "tsb-spend-and-save-plus",
   "kind": "cashback",
   "counted": false,
   "bank": "TSB",
   "product": "Spend & Save Plus",
   "url": "https://www.tsb.co.uk/current-accounts/spend-and-save-plus-account.html",
   "document": null,
   "readOn": "2026-11-05",
   "stale": false,
   "upTo": 60,
   "fees": 36,
   "overMonths": 12,
   "perBalance": null,
   "who": "You are eligible for cashback if you open a new Spend & Save account or Spend & Save Plus account.",
   "terms": [
    {
     "what": "Cashback",
     "words": "You will earn cashback until you close your account or we end the offer"
    },
    {
     "what": "Fee",
     "words": "For just £3 a month, you can use your card abroad with no fees from us and enjoy £5 cashback every month."
    }
   ],
   "interest": null,
   "cashback": {
    "capPerMonth": 5,
    "months": 12,
    "feePerMonth": 3
   }
  },
  {
   "id": "santander-edge",
   "kind": "cashback",
   "counted": false,
   "bank": "Santander",
   "product": "Edge current account",
   "url": "https://www.santander.co.uk/personal/current-accounts/santander-edge-current-account",
   "document": {
    "url": "https://www.santander.co.uk/assets/s3fs-public/AD_documents/Santander_Edge_current_account_Key_Facts_Document%20_BANKMC0315APR26PUBCDT.pdf",
    "sha256": "712597e60202f670cecd843461ab84fc1a9f05ce1607b0df83ce517d5974b3a4"
   },
   "readOn": "2026-11-05",
   "stale": false,
   "upTo": 120,
   "fees": 36,
   "overMonths": 12,
   "perBalance": null,
   "who": "Pay a £3 monthly fee to maintain the account, pay in at least £500 each month and have 2 active Direct Debits.",
   "terms": [
    {
     "what": "Cashback",
     "words": "1% cashback (up to £10 a month) on selected household bills when you pay by Direct Debit"
    },
    {
     "what": "Fee",
     "words": "We’ll start charging this fee after you meet the conditions for earning cashback for the first time."
    }
   ],
   "interest": null,
   "cashback": {
    "capPerMonth": 10,
    "months": 12,
    "feePerMonth": 3
   }
  },
  {
   "id": "santander-edge-up",
   "kind": "cashback",
   "counted": false,
   "bank": "Santander",
   "product": "Edge Up current account",
   "url": "https://www.santander.co.uk/personal/current-accounts/santander-edge-up-current-account",
   "document": null,
   "readOn": "2026-11-05",
   "stale": false,
   "upTo": 180,
   "fees": 60,
   "overMonths": 12,
   "perBalance": null,
   "who": "Pay a £5 monthly fee to maintain the account, pay in at least £1500 each month and have 2 active Direct Debits.",
   "terms": [
    {
     "what": "Cashback",
     "words": "1% cashback (up to £15 a month) on selected household bills when you pay by Direct Debit"
    }
   ],
   "interest": null,
   "cashback": {
    "capPerMonth": 15,
    "months": 12,
    "feePerMonth": 5
   }
  },
  {
   "id": "natwest-reward",
   "kind": "cashback",
   "counted": false,
   "bank": "NatWest",
   "product": "Reward account",
   "url": "https://www.natwest.com/current-accounts/reward_account.html",
   "document": {
    "url": "https://www.natwest.com/content/dam/natwest/personal/current-accounts/documents/my-rewards-terms.pdf",
    "sha256": "c99776dc730aa0a145d8ade84841427ee1838ade31c6ad11384b81e7759683a3"
   },
   "readOn": "2026-11-05",
   "stale": false,
   "upTo": 48,
   "fees": 24,
   "overMonths": 12,
   "perBalance": null,
   "who": "will pay in £1,250 each calendar month to any eligible personal current account you have with us",
   "terms": [
    {
     "what": "Rewards",
     "words": "Get £4 a month in Rewards for 2 or more Direct Debits of at least £2."
    },
    {
     "what": "Fee",
     "words": "Monthly fee: For £2 a month, get rewarded for your everyday banking."
    },
    {
     "what": "Paid",
     "words": "You can start exchanging Rewards once you’ve earned £5 or more."
    }
   ],
   "interest": null,
   "cashback": {
    "capPerMonth": 4,
    "months": 12,
    "feePerMonth": 2
   }
  },
  {
   "id": "rbs-reward",
   "kind": "cashback",
   "counted": false,
   "bank": "RBS",
   "product": "Reward account",
   "url": "https://www.rbs.co.uk/current-accounts/reward_account.html",
   "document": null,
   "readOn": "2026-11-05",
   "stale": false,
   "upTo": 48,
   "fees": 24,
   "overMonths": 12,
   "perBalance": null,
   "who": "You need to also pay in £1,250 to an eligible Royal Bank account every month.",
   "terms": [
    {
     "what": "Rewards",
     "words": "Earn £4 a month back in Rewards for 2 or more Direct Debits (2 of those Direct Debits needs to be at least £2 each)."
    },
    {
     "what": "Fee",
     "words": "£2 monthly fee."
    }
   ],
   "interest": null,
   "cashback": {
    "capPerMonth": 4,
    "months": 12,
    "feePerMonth": 2
   }
  },
  {
   "id": "chase-cashback",
   "kind": "cashback",
   "counted": false,
   "bank": "Chase",
   "product": "2% cashback",
   "url": "https://www.chase.co.uk/gb/en/legal/cashback-terms-and-conditions/",
   "document": null,
   "readOn": "2026-11-05",
   "stale": false,
   "upTo": 240,
   "fees": 0,
   "overMonths": 12,
   "perBalance": null,
   "who": "Make at least 15 payments using your Chase debit card or your Chase credit card or by direct debit … and have a combined balance of £1,000 or more across all your Chase saver accounts each day for the entire calendar month.",
   "terms": [
    {
     "what": "Cashback",
     "words": "You will earn 2% cashback on GBP sterling debit card and credit card payments made in the UK and the Channel Islands"
    },
    {
     "what": "Cap",
     "words": "Cashback earnings will be capped at £20 a month i.e. on up to £1000 of spending."
    },
    {
     "what": "New customers",
     "words": "When you first join Chase you’ll be given a grace period for the rest of your first calendar month and the following calendar month."
    }
   ],
   "interest": null,
   "cashback": {
    "capPerMonth": 20,
    "months": 12,
    "feePerMonth": 0
   }
  },
  {
   "id": "danske-reward",
   "kind": "cashback",
   "counted": false,
   "bank": "Danske Bank",
   "product": "Danske Reward",
   "url": "https://danskebank.co.uk/personal/products/current-accounts/danske-reward",
   "document": null,
   "readOn": "2026-11-05",
   "stale": false,
   "upTo": 60,
   "fees": 24,
   "overMonths": 12,
   "perBalance": null,
   "who": "If you are new to Danske Bank you need to be a resident in Northern Ireland",
   "terms": [
    {
     "what": "Reward",
     "words": "A £5 reward every month, with £2 monthly account fee"
    },
    {
     "what": "Conditions",
     "words": "paid in at least £1,000; completed at least 8 Debit Mastercard transactions (not including ATM transactions or credits to the account); received digital statements for this account"
    }
   ],
   "interest": null,
   "cashback": {
    "capPerMonth": 5,
    "months": 12,
    "feePerMonth": 2
   }
  },
  {
   "id": "barclays-blue-rewards-saver",
   "kind": "saver",
   "counted": false,
   "bank": "Barclays",
   "product": "Blue Rewards Saver",
   "url": "https://www.barclays.co.uk/savings/instant-access/blue-reward-saver/",
   "document": null,
   "readOn": "2026-11-05",
   "stale": false,
   "upTo": 25,
   "fees": 0,
   "overMonths": 12,
   "perBalance": 1000,
   "who": "you need to be a Barclays Blue Rewards member or a Premier Banking customer",
   "terms": [
    {
     "what": "Rate",
     "words": "2.51% / 2.48% In months you don’t make withdrawals · 0.60% / 0.60% In months you do make withdrawals"
    },
    {
     "what": "Blue Rewards",
     "words": "pay the £5 monthly fee. We’ll take this from your nominated current account on the second working day of the month."
    }
   ],
   "interest": {
    "account": "Blue Rewards Saver",
    "aerBp": 251,
    "fixed": false,
    "months": 12,
    "basis": "balance",
    "condition": "In months with a withdrawal it pays 0.60%."
   },
   "cashback": null
  },
  {
   "id": "chase-boosted-saver",
   "kind": "saver",
   "counted": false,
   "bank": "Chase",
   "product": "Saver with a boosted rate",
   "url": "https://www.chase.co.uk/gb/en/saver-boosted/",
   "document": null,
   "readOn": "2026-11-05",
   "stale": false,
   "upTo": 45,
   "fees": 0,
   "overMonths": 12,
   "perBalance": 1000,
   "who": "Available to new customers for your first 31 days.",
   "terms": [
    {
     "what": "Rate",
     "words": "You'll earn 4.5% AER variable, which includes a fixed, 12‑month boost of 2.25% AER on top of our standard saver variable rate."
    },
    {
     "what": "Limit",
     "words": "Up to £1m. 1 boosted saver account per customer."
    },
    {
     "what": "Ending",
     "words": "Offer may be withdrawn at any time."
    }
   ],
   "interest": {
    "account": "Saver with a boosted rate",
    "aerBp": 450,
    "fixed": false,
    "months": 12,
    "basis": "balance",
    "maxBalance": 100000000
   },
   "cashback": null
  },
  {
   "id": "santander-edge-explorer",
   "kind": "cashback",
   "counted": false,
   "bank": "Santander",
   "product": "Edge Explorer current account",
   "url": "https://www.santander.co.uk/personal/current-accounts/santander-edge-explorer-current-account",
   "document": {
    "url": "https://www.santander.co.uk/assets/s3fs-public/AD_documents/Santander_Edge_Explorer%20_current_account_Key_Facts_Document_BANKMC0846APR26PUBCDT.pdf",
    "sha256": "6c5ea1beb26db7b4d529aee5837e9b28cc1b64a7e00f80cbb23e7c7df40d0b32"
   },
   "readOn": "2026-11-05",
   "stale": false,
   "upTo": 240,
   "fees": 204,
   "overMonths": 12,
   "perBalance": null,
   "who": "Cashback is a monthly reward we pay into your account if you meet the conditions for earning cashback.",
   "terms": [
    {
     "what": "Cashback",
     "words": "This means you can earn up to a maximum of £20 cashback in any monthly period."
    },
    {
     "what": "Fee",
     "words": "The fee for this account is £17 per month."
    }
   ],
   "interest": null,
   "cashback": {
    "capPerMonth": 20,
    "months": 12,
    "feePerMonth": 17
   }
  },
  {
   "id": "barclays-cashback-rewards",
   "kind": "retailer",
   "counted": false,
   "bank": "Barclays",
   "product": "Cashback Rewards (Blue Rewards)",
   "url": "https://www.barclays.co.uk/current-accounts/blue-rewards/",
   "document": null,
   "readOn": "2026-11-05",
   "stale": false,
   "upTo": null,
   "fees": null,
   "overMonths": null,
   "perBalance": null,
   "who": "pay in at least £800 to your nominated current account each month.",
   "terms": [
    {
     "what": "Cashback",
     "words": "Earn cashback when you spend at selected retailers"
    }
   ],
   "interest": null,
   "cashback": null
  },
  {
   "id": "natwest-myrewards-retailers",
   "kind": "retailer",
   "counted": false,
   "bank": "NatWest and RBS",
   "product": "MyRewards retailer offers",
   "url": "https://www.natwest.com/current-accounts/reward_account.html",
   "document": null,
   "readOn": "2026-11-05",
   "stale": false,
   "upTo": null,
   "fees": null,
   "overMonths": null,
   "perBalance": null,
   "who": "You can start exchanging Rewards once you’ve earned £5 or more.",
   "terms": [
    {
     "what": "Offers",
     "words": "Earn from 1% back at partner retailers. · Offers change every two weeks."
    }
   ],
   "interest": null,
   "cashback": null
  },
  {
   "id": "virgin-money-cashback",
   "kind": "retailer",
   "counted": false,
   "bank": "Virgin Money",
   "product": "Virgin Money Cashback",
   "url": "https://uk.virginmoney.com/service/rewards/virgin-money-cashback/",
   "document": null,
   "readOn": "2026-11-05",
   "stale": false,
   "upTo": null,
   "fees": null,
   "overMonths": null,
   "perBalance": null,
   "who": "Use your card to spend with our selected retailers",
   "terms": [
    {
     "what": "Offers",
     "words": "Use your card to spend with our selected retailers"
    }
   ],
   "interest": null,
   "cashback": null
  },
  {
   "id": "monzo-cashback",
   "kind": "retailer",
   "counted": false,
   "bank": "Monzo",
   "product": "Cashback",
   "url": "https://monzo.com/features/cashback",
   "document": null,
   "readOn": "2026-11-05",
   "stale": false,
   "upTo": null,
   "fees": null,
   "overMonths": null,
   "perBalance": null,
   "who": "Pick your offers and tap to activate before you spend.",
   "terms": [
    {
     "what": "Offers",
     "words": "Every offer has its own sweet spot around 2 to 10% cashback."
    }
   ],
   "interest": null,
   "cashback": null
  }
 ]
}