How to Get Paid Again for a Bank Switch (Even If You've Already Had the Bonus)

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We all know switching banks can be lucrative — but what if you've already grabbed a switching bonus once… can you get paid again?

The short answer? Yes — plenty of people have!
In fact, there’s no shortage of stories from people who’ve been paid 5+ times by the same bank. It’s not guaranteed, but if you’re smart about it, you might just get another payout.

Which Banks Are the Easiest?

While all banks technically say their switch offers are "one per person", some are definitely more lenient than others. Based on what we've seen in the community:

• Lloyds – known for being one of the more flexible ones

• First Direct – plenty of repeat payouts here

• TSB and NatWest Group banks (like RBS) have been hit and miss, but worth trying

Tips That Have Worked for Others

If you're planning to try your luck again, here are a few common strategies people use:

1. Use a different email address when applying

2. Use a different phone number when applying

3. Switch from a different account than last time

4. New address – only do this if you’ve genuinely moved

5. Leave a gap between switches – spacing them out by a few months can help

While none of these are guaranteed to work, they’ve helped others get paid out again. Worst case? You’ve wasted 10–15 minutes. Best case? You’re £100+ better off.

A Few Things to Remember

• You’ll need to pass a soft credit check, so don’t go wild with loads of applications back-to-back.

• Some banks are stricter – if you’re rejected, don’t appeal it. Just move on to another.

• Always meet the offer requirements (like using your debit card X times or setting up direct debits).

Final Thoughts

Bank switching is still one of the fastest side hustles in the UK. And if you're clever, you might just get a second (or third) helping from the same provider.

So, if it’s been a while since your last switch… maybe it’s time to try again. You never know — the next £100 could be just 15 minutes away.