Question 1

What is Tiny Debit?

Accepted Answer

Tiny Debit is your ultimate solution for effortlessly setting up direct debits to maximize bank switching offers—quick, simple, and stress-free. We allow you to create tiny, separate direct debits (using Stripe and GoCardless, whichever you prefer--or both!) so you can qualify for lucrative switching rewards with minimal effort and maximum ease.

Question 2

What is a direct debit?

Accepted Answer

A direct debit is an instruction from you to your bank or building society, authorizing an organization to collect any amount of money you choose from your account after giving you notice of the amount to be debited and date on which it'll happen. Once set up, the payment is collected automatically, safely, and securely. In the UK, direct debits are protected by the Direct Debit Guarantee, providing you with certain rights and protections. They're commonly used for recurring bills, subscriptions, and other regular payments.

Question 3

Why do I need a direct debit?

Accepted Answer

Many banks offer enticing switching bonuses of free cash to switch from your current bank to their bank using the Current Account Switching Service (CASS). It's a free and secure service in the UK that makes it easy to switch your current account from one bank to another. Most of these offers require you to have one, two, or more active direct debits to qualify for certain benefits or bonuses. Tiny Debit makes it easy to meet these requirements with small, flexible direct debits—helping you unlock free cash without overcommitting.

Question 4

How much does it cost?

Accepted Answer

We offer plans starting from as little as £0.49 per year. Plus, with Tiny Debit, you can set up the smallest denomination and frequency of payments that fit your budget and bank switching offer requirements, giving you complete control over what you spend—no hidden fees or costly commitments.

Question 5

Is my payment information safe and secure?

Accepted Answer

Absolutely. Your direct debits are processed directly by trusted payment providers Stripe and/or GoCardless, both of which use advanced encryption and industry-standard security measures to protect your data, directly. We never store your sensitive details on our servers. Additionally, direct debits in the UK come with the direct debit guarantee for extra peace of mind.

Question 6

How do I cancel my direct debit?

Accepted Answer

You're in control at all times. Cancel anytime directly through your bank, or by getting in touch with us at contact@tinydebit.uk. There are no hoops to jump through—just remember that canceling before your direct debit is considered 'active' may affect any bank offers tied to your direct debits. Our recommendation is that you wait for your switching bonus to hit your bank account before canceling your direct debits just to be sure.

Question 7

Is there a long-term commitment or contract?

Accepted Answer

None at all. Tiny Debit is designed for complete flexibility. Use it as long as it benefits you—cancel whenever you're done, or wait until that bonus hits your account-it's completely up to you.

Question 8

How do I know if the direct debit has been set up correctly?

Accepted Answer

Once your setup is complete, you'll receive a confirmation email from the payment provider. You can also verify whether your direct debit with us is considered 'active' by checking your bank's online portal or by contacting your bank directly.

Question 9

Can I set up multiple direct debits at once?

Accepted Answer

Yes! That's what sets us apart from other services. Tiny Debit lets you set up multiple direct debits in one seamless go, saving you time and hassle—perfect if you need several to qualify for different offers.

Question 10

Can I set up multiple direct debits at once with one payment provider, or multiple providers?

Accepted Answer

Both! You can either set them all up with one provider or spread them across Stripe and GoCardless. Some banks recognize multiple direct debits from a single provider as just one, so splitting them up can help ensure each counts separately for your bank switch bonus.

Question 11

How long does it take?

Accepted Answer

Setting up a direct debit with us only takes a few minutes. Typically, your bank recognizes the new direct debit within 1–3 business days, though it can take up to six days in some cases. If you spot a great switching offer, set up your direct debits right away so you don't miss out.

Question 12

Where does my money go?

Accepted Answer

All payments go securely through Stripe or GoCardless. Tiny Debit facilitates the tiny transactions needed to qualify your direct debits.

Question 13

What's the point?

Accepted Answer

Tiny Debit aims to make bank switching offers as easy as possible. By creating small, qualifying direct debits in minutes, you can focus on collecting your rewards without tying up large sums or navigating complicated setups.

Question 14

Why are there so many options?

Accepted Answer

Each bank's switching bonus offer can differ slightly (or widely) from one another. Tiny Debit offers various payment frequencies, providers, and amount options to ensure you can tailor your direct debits to meet any bank's specific criteria—giving you the fastest, easiest, best shot at securing your cash bonus.

Question 15

Where can I learn about new bank switching offers?

Accepted Answer

Check out our Current Offers section right here on the site! We use an AI-powered scanner that automatically finds and tracks the latest bank switching deals across the UK. The offers are updated regularly so you never miss out on the best bonuses.

Question 16

How does your AI bank offer scanner work?

Accepted Answer

Our AI scanner automatically monitors major UK banks and financial sources for the latest switching offers. It extracts key details like bonus amounts, requirements, and expiry dates, then presents them in an easy-to-read format. This means you always have access to up-to-date information without having to search multiple websites yourself.

Question 17

There are other direct debit sites out there. Why choose yours?

Accepted Answer

Starting at £0.49, we offer the tiniest debit in the UK. We're the only service (that we know of) offering the choice between Stripe, GoCardless, or both in one place, with more to come soon. We provide flexible frequencies and amounts. Our AI-powered offer scanner automatically finds and tracks the latest bank switching deals, so you always know the best bonuses available. We're a one-stop shop for qualifying direct debits—no need to find separate companies or charities that support each provider.

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