So i m in the process of switching from Aib to Ebs. I'll get the 2% lump sum and I'll be better off by €25 euro per month as they've a better variable than what I was on. This is including the €75 tax relief at source, I presume I'll be loosing. Once I receive the 2% lump sum, the plan was to move again, probably to KBC as they've the best rates, fixed and variable on the market. My concern is , is it likely KBC won't want my business as I'm switching straight away, and they won't see me as a long term customer? Thanks Tom.