Guides › Questions

Does switching for a bonus mean a credit check?

None of the 11 offers’ terms say what kind of credit search the bank makes when you apply. Pocketly counts each application as a possible credit search, so a plan never shows fewer than there might be, and a mortgage or loan date you give is kept clear of them.

The terms don’t say 11

• B

  Barclays Barclays Bank Account, £150

  Not stated. Counted as a possible search.

• B

  Barclays Premier Barclays Premier Current Account, £450

  Not stated. Counted as a possible search.

• fd

  first direct first direct 1st Account, £210

  Not stated. Counted as a possible search.

• H

  HSBC UK HSBC UK Bank Account, £220

  Not stated. Counted as a possible search.

• H

  HSBC Premier HSBC UK Premier Bank Account, £500

  Not stated. Counted as a possible search.

• L

  Lloyds Club Lloyds Account, £200

  Not stated. Counted as a possible search.

• N

  Nationwide Building Society Nationwide FlexDirect, £175

  Not stated. Counted as a possible search.

• NW

  NatWest Premier NatWest Premier Select Account, £500

  Not stated. Counted as a possible search.

• NW

  NatWest NatWest Select Account, £200

  Not stated. Counted as a possible search.

• RBS

  RBS RBS Select Account, £200

  Not stated. Counted as a possible search.

• S

  Santander Santander Everyday Current Account, £240

  Not stated. Counted as a possible search.

Applying for a mortgage or loan soon? Give its month on the next three years and Pocketly keeps your applications at least 3 months clear of it.

From each bank’s own terms, as Pocketly read them; each bank’s live terms are final. How Pocketly checks offers.