Edward Chandler, a user experience consultant for leading websites, took exception to the break-up of Lloyds TSB last year.
"I was a happy Lloyds customer and didn't want to be moved to TSB," he said.
This week he activated the switching service to complete a transfer from TSB to his new Reward account with the Halifax, the Lloyds brand which re-entered the Scottish market just over a year ago.
"I already have a mortgage and a credit card with them and that made a difference," Edinburgh-based Mr Chandler said. He is able to manage his buy-to-let mortgage more easily, as well as being impressed with the Halifax's Clarity card, which offers free overseas transactions. The Reward account pays £5 a month to customers in credit who are paying in £750, while spending £300 on the Clarity card triggers a further £5 cashback. "It's about getting something back for using the card, and if I do spend that it could be a reward of £120 a year," Mr Chandler said.
Why are you making commenting on The Herald only available to subscribers?
It should have been a safe space for informed debate, somewhere for readers to discuss issues around the biggest stories of the day, but all too often the below the line comments on most websites have become bogged down by off-topic discussions and abuse.
heraldscotland.com is tackling this problem by allowing only subscribers to comment.
We are doing this to improve the experience for our loyal readers and we believe it will reduce the ability of trolls and troublemakers, who occasionally find their way onto our site, to abuse our journalists and readers. We also hope it will help the comments section fulfil its promise as a part of Scotland's conversation with itself.
We are lucky at The Herald. We are read by an informed, educated readership who can add their knowledge and insights to our stories.
That is invaluable.
We are making the subscriber-only change to support our valued readers, who tell us they don't want the site cluttered up with irrelevant comments, untruths and abuse.
In the past, the journalist’s job was to collect and distribute information to the audience. Technology means that readers can shape a discussion. We look forward to hearing from you on heraldscotland.com
Comments & Moderation
Readers’ comments: You are personally liable for the content of any comments you upload to this website, so please act responsibly. We do not pre-moderate or monitor readers’ comments appearing on our websites, but we do post-moderate in response to complaints we receive or otherwise when a potential problem comes to our attention. You can make a complaint by using the ‘report this post’ link . We may then apply our discretion under the user terms to amend or delete comments.
Post moderation is undertaken full-time 9am-6pm on weekdays, and on a part-time basis outwith those hours.
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