Everyday Offers – Direct Debit offers trial FAQs

Everyday Offers Direct Debit offers are personalised cashback offers from participating merchants based on your Direct Debit spending patterns.

We are running a trial with selected customers for a limited time to test a number of aspects of this type of cashback offer.

To be eligible for Direct Debit offers you need to be registered for Everyday Offers.

  • What is a Direct Debit?

    A Direct Debit is an instruction authorising another organisation to collect varying amounts of money on a regular basis from your account. The amount being debited from your account and the payment date may be changed by the collecting organisation, but they should inform you in advance. Examples of use include monthly mortgage payments and payment of utility bills.

    To set up a Direct Debit

    As a Direct Debit is set up to collect money from your account by another organisation, the setting up of the Direct Debit will be done by them through their bank / building society, using the account details you would have supplied them at the time you purchased the goods or services.

    How do I receive cashback for Direct Debit offers?

    You will see any Direct Debit offers alongside your other offers either on your Account Overview or the Everyday Offers homepage.

    Look out for merchant logos (typically mobile phone networks or broadband/TV service providers).

    The text in the offer will indicate that it is a Direct Debit offer.

    To redeem these offers:

    1. Click on an offer to find out more details and to activate it – no vouchers or coupons to print

    2. Sign up for services using the merchant’s normal processes as stated in the offer’s conditions.

    Important Information

    Signing up for subscription services normally requires that you enter into a contract with the service provider. Typically these have a minimum term of between 12 and 24 months.

    You must consider whether you are able to commit to a regular payment for this length of time.

    If you cancel, change or switch your subscription before the end of the minimum term you may be charged early termination or other fees by the merchant.

    If you are signing up to a new supplier you must check with your current supplier whether early termination fees will apply. You must take this into account when deciding whether to sign up to a new service.

    You should contact your service provider(s) directly for details of their specific policies.

    When will I receive my cashback?

    Cashback will be paid into your personal current account on or before the last working day of the month following your second Direct Debit payment.

    If you have more than one current account with Lloyds Bank, we’ll pay it into your oldest account.

    Please note: If you cancel your new service(s) before your second Direct Debit payment is collected you will not receive any cashback.

    Please note the time it takes for a merchant to set up your Direct Debit may affect the date when we pay your cashback. For example,

    •     Friday 28 August – you log into Internet Banking and activate an offer
    •     Sunday 30 August – you sign up for a subscription service
    •     Thursday 3 September – we receive details of your Direct Debit mandate and first payment is collected
    •     Thursday 1 October – your second Direct Debit payment is collected
    •     Monday 30 November – your cashback is paid into your account

    You need to remain registered for Everyday Offers to get your cashback. We will never contact you directly to ask for your account details in order to pay your cashback into your account.

    Can I lose my cashback?

    You’ll lose any unpaid cashback earned on a Direct Debit offer if you cancel your subscription before your 2nd Direct Debit payment is taken.

    You’ll lose any unpaid cashback that’s due to go into your Lloyds Bank current account if you close your account or we close the account or give you notice of the account’s closure and there’s no alternative current account for us to pay the money into, or if you switch off the service.

    In certain circumstances the law may prevent us from paying you cashback, for example, where fraud or money laundering is involved.

    Is there any limit to the amount of cashback I can earn?

    The amount of cashback you can earn will vary from offer to offer. Read the offer details to find out what you can earn and how many times you can use the offer.

    How do you decide which offers I receive and what’s in them?

    We match offers to your existing Lloyds Bank Direct Debit spending so offers will be based on services you currently subscribe to.

    Each offer will include conditions such as:

    • how much you need to spend to earn cashback
    • if an offer is available online and in store or just online
    •  the amount you can earn in pounds or as a percentage
    • any restrictions and the offer expiry date

    You can print, save or take a screen shot of these conditions for your records.

    Will Direct Debit transaction become eligible for the It’s On Us prize draw?

    Direct Debit transactions are not currently included in the It’s On Us prize draw.

  • How do I contact you about Everyday Offers Direct Debit offers?
    You’ll find the answer to most of your questions either above or in the Everyday Offers FAQs.

    If you can’t find what you’re looking for please call Everyday Offers on 0345 606 6406.
    If you're calling from outside the UK or prefer not to use our 0345 number call + 44 173 346 2253.

    You can call us using Relay UK if you have a hearing or speech impairment. There's more information on the Relay UK help pages.

    Sign Video services are also available if you’re Deaf and use British Sign Language.

    Lines are open 8am - 8pm, seven days a week.
    Not all Telephone Banking services are available 24 hours a day, seven days a week.

    What should I do if I can’t see Everyday Offers Direct Debit offers?
    If you’ve only just registered for Everyday Offers, please wait a few days for us to upload your details and match offers to your spending. It can take time for offers to appear as they‘re related to your current Direct Debit spending.

    What if there’s a problem with the cashback I receive?

    Once we receive details of your payments, we’ll pay the total of all cashback earned* into your account on or before the last working day** of the following month.

    If you don’t receive the amount of cashback you’re expecting or there’s a delay with the payment, please call us on 0345 606 6406.
    If you're calling from outside the UK or prefer not to use our 0345 number call + 44 173 346 2253.

    If you have a hearing impairment, please use Textphone: 0345 300 2280 or +44 173 3347 515.
    Lines are open 7am - 10pm, Monday - Friday and 8am - 6pm on weekends.
    *Eligible spend is that which qualifies for cashback in line with the offer conditions.
    **Working days are Monday to Friday, apart from bank holidays.

    What if there’s a problem with a service I’ve subscribed to that I’ve earned cashback on

    If you have any problems with a service (e.g. lack of service), contact the provider directly, as it is their responsibility. This does not however affect your rights under any chargeback scheme applicable to your Direct Debit(s) e.g. The Direct Debit Guarantee.

    The Direct Debit Guarantee applies to all Direct Debits. It protects you in the rare event that there is an error in the payment of your Direct Debit.

    • The Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits
    • If there are any changes to the amount, date or frequency of your Direct Debit the organisation will notify you (normally 10 working days) in advance of your account being debited or as otherwise agreed. If you request the organisation to collect a payment, confirmation of the amount and date will be given to you at the time of the request
    • If an error is made in the payment of your Direct Debit, by the organisation or your bank or building society, you are entitled to a full and immediate refund of the amount paid from your bank or building society.
      • If you receive a refund you are not entitled to, you must pay it back when the organisation asks you to.
    • You can cancel a Direct Debit at any time by simply contacting your bank or building society. Written confirmation may be required. Please also notify the organisation.

    These rights do not form part of the Everyday Offers terms and conditions.

    You’ll keep any cashback we’ve already paid into your account, even if you get a refund on your purchase.

Important legal information

Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.

Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS).

Available to Lloyds Bank UK personal current account customers and credit card customers aged 18+ who are registered for Internet Banking. Any cashback earned on credit card purchases will be paid to the primary account holder, so long as they have a Lloyds Bank account with a debit card. You’ll need to stay registered for Everyday Offers and keep your current account open to receive your cashback. Merchant offers and cashback amounts vary and must be activated through Internet Banking. To enter the It’s On Us free draw, you will need to be registered for Everyday Offers for up to a week, and to have activated the It’s On Us offer. From 28 November 2013, 1,000 debit or credit card transactions up to £500 will be reimbursed each week.