Halifax resurrects its £100 incentive to move to its 経常収支 for the third time this year - should you switch?

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High Street banking 巨大（な） Halifax is once again 申し込む／申し出ing £100 to people who switch to one of its selected 経常収支s from a 競争相手, as it looks to entice new custom.

The 取引，協定, which starts today and will run throughout November, 生き返らせるs the same 申し込む／申し出 it had in place at the beginning of the year and also in June and July. This stands in contrast to the 類似の £100 申し込む／申し出 from First Direct, which runs as an almost 永久の feature.

To get the cash 'freebie', a 顧客 has to switch all active direct debits to its Halifax 現在の Account, Halifax Reward Account or Halifax Ultimate Reward 現在の Account before December 2.

Popular 取引，協定: Halifax is enticing 顧客s in with £100 - the third time it has 開始する，打ち上げるd the 取引，協定 this year

Its Reward 現在の Account also 申し込む／申し出s 顧客s a 月毎の 'reward' of £5 - as long as a £1,000 支払い（額） goes in each month.

A large 経常収支 base is seen as 必須の for High Street banks as it 供給するs the perfect avenue through which to tempt them into other 製品s, such as profitable 貸付金 and 貯金 取引，協定s.

The £100 incentive has 証明するd popular in the past. Halifax, which is part of 41 per cent taxpayer-owned Lloyds Banking Group, says that it has seen more than 220,000 new 顧客s switch to one of its 経常収支s in the last 12 months - this is more than 二塁打 compared to the same period last year.

Anthony Warrington, director of personal 経常収支s at Halifax, said: ‘Thousands of 顧客s have moved their 経常収支 to Halifax over the last nine months - だいたい one 顧客 every two minutes - nearly 54 per cent more than the same period last year.

‘This 示すs that 顧客s are 投票（する）ing with their feet and welcome the 広大な／多数の／重要な service and 財政上の rewards Halifax 供給するs.’

What are the 代案／選択肢s?

big High Street banks have had their 指名する （名声などを）汚すd in 最近の years with banking スキャンダルs 範囲ing from computer system 失敗 to libor-船の索具 and 支払い（額） 保護 保険 (PPI) mis-selling.

This is Money also 解除するd the lid last month on how 支店 staff at Lloyds TSB are given a 名簿（に載せる）／表（にあげる） of incentivised 的s which can result in 顧客s 存在 押し進めるd 製品s that aren't the 訂正する fit for them.

We also 明らかにする／漏らすd how one 顧客, 武装した with the knowledge of which 貯金 account she 手配中の，お尋ね者 from Halifax when she went in to a 支店 was 配達するd an 投資 ‘hard-sell.’

代案／選択肢s such as Metro Bank are 争う to take 経常収支 顧客s away from the 'bigger' 指名するs

Many who are fed-up with the big High Street 指名する banks are turning to 代案／選択肢s such as Co-operative Bank, Handelsbanken and Metro Bank or even 地元の building societies.

Next year, Tesco and Virgin Money will enter the （犯罪の）一味 which could lead to even more 競争 and choice in 経常収支 market.

First Direct also offer a £100 switching 申し込む／申し出. The bank, which is an online and telephone-only arm of HSBC, 終始一貫して 最高の，を越すs the charts for 顧客 satisfaction.

Other 経常収支s also 申し込む／申し出 perks. Santander for instance has its 123 現在の Account which gives 顧客s incentives, such as two per cent off gas and electricity 法案s, and three per cent 利益／興味 on balances between £3,000 and £20,000.

The 全国的な FlexAccount 申し込む／申し出s 経常収支 顧客s 解放する／自由な European travel 保険 and also 排除的 接近 to 取引，協定s, such as best buy savings 率s.

Is switching 経常収支 平易な?

Last month, we 明らかにする／漏らすd that banks are to be given a strict seven-day 最終期限 to switch a 顧客’s 経常収支 to a 競争相手 会・原則 and will have to foot the 法案 for any もやakes made.

New 保証（人）s are to be put in place that will 確実にする 正規の／正選手 支払い（額）s in and out of a 顧客’s account do not go astray when they open a 経常収支 at a new bank.

The 支配するs, which come in to 軍隊 in September 2013, are the 最新の 試みる／企てる to make it easier for 顧客s to switch banks.

Of the 1.35million people who moved their 経常収支 last year, around 121,500 said they did not find it 平易な.