Yes. Each signup creates one separate, genuine Direct Debit Instruction. To get two, simply go through signup a second time using the same bank details — you'll end up with two independent £1/month Direct Debits on the same account, each with its own manage code. This is different from increasing the amount on a single signup, which would only create one Direct Debit rather than two.
Yes. It's a genuine Bacs Direct Debit Instruction, not a standing order or a card payment. That distinction matters because most bank switch offers specifically require Direct Debits.
Yes. Setting up a Direct Debit for a real, ongoing service — in this case, ours — is a normal financial transaction. You're not misrepresenting anything to your bank. That said, always check your specific switch offer's terms, since some banks add extra conditions beyond a simple Direct Debit count.
Every Direct Debit collected through the Bacs scheme in the UK is automatically covered by the Direct Debit Guarantee, regardless of who's collecting it. If a payment is taken in error, you're entitled to an immediate refund from your own bank.
The Direct Debit itself is usually listed under your bank's "Direct Debits" section within 3–5 working days of signing up, even before any money moves. The first actual payment typically appears as a transaction about a week to ten days after signup — Bacs Direct Debit has a mandatory processing window (longer for a brand new Direct Debit than for a repeat one) that no provider, including us, can speed up. Occasionally it can take a little longer.
Authorising the mandate takes about a minute. The mandate itself is typically confirmed within a few working days — this delay is a Bacs scheme rule that protects you, not something we can skip.
Yes. There's no minimum term. Cancel from your account or directly with your bank whenever you like — cancelling with your bank is always your right, independent of us.
Wait until your bank has actually paid the switch bonus into your account before cancelling — many banks check eligibility and pay out several weeks after your switch completes, so cancelling too early risks failing that check. Once the money has landed, go to the cancel page and enter the email you signed up with plus the manage code from your confirmation email (e.g. DDD-7F3K9) — cancellation is instant and stops all future payments. You can also cancel directly with your bank at any time.
A Dummy Direct Debits Direct Debit satisfies the "number of Direct Debits" requirement that most switch offers include. It doesn't override any other conditions your bank sets — check the full terms of your specific offer before switching.
No. Your Direct Debit is authorised directly through your bank's own secure login, via our payment provider. We never see or store your online banking credentials.