Updated 2025UK OnlyAlways Free

Bank Switch
Offers

The best current account switching bonuses available in the UK right now. Earn up to £500 just for switching — no catches.

£500

Top bonus

9

Active offers

£1,925

Max stackable

Disclaimer. Offers and eligibility criteria change frequently. Always verify terms directly with the bank before switching. This page is for informational purposes only — I am not a financial adviser. Some links may be referral links; I may receive a small reward at no extra cost to you.

Standard Offers

Anyone can claim these

Santander

£180+ 1% bills cashback
Paid in 60–90 days after starting the switch

Requirements

  • Never received a Santander switching bonus before
  • Did not hold a Santander account on 1 Jan 2025
  • Switch from a different bank (not Santander, Cahoot or Cater Allen)
  • Start a full CASS switch within 60 days of opening
  • Move at least 2 active Direct Debits
  • Pay in at least £1,500

💡 Also earn 1% cashback on household bills — boosting total value to ~£205/yr.

Club Lloyds

£200+ lifestyle perks
Paid in ~45 days after opening

Requirements

  • No Lloyds, Halifax or Bank of Scotland switch bonus since 1 Jan 2023
  • Open the account before the offer deadline
  • Switch from another bank using CASS
  • Transfer at least 3 Direct Debits
  • Spend at least £100 on the debit card within the first few weeks

💡 Club Lloyds also includes a choice of lifestyle perk (e.g. Disney+, cinema tickets).

Barclays

£200
Paid in ~45 working days after meeting requirements

Requirements

  • Open a sole Barclays account through the mobile app
  • Pay in at least £2,000 within 30 days
  • Start a full CASS switch and move at least 2 Direct Debits
  • Switch must complete within 30 days of starting
  • No recent Barclays account or previous Barclays switch bonus

💡 Must apply through the app — web applications are not eligible.

First Direct

£175+ award-winning service
Paid in The month after completing requirements

Requirements

  • Never held any First Direct account before
  • No HSBC current account opened since January 2018
  • Switch from another bank within 45 days
  • Move at least 2 Direct Debits or standing orders
  • Pay in at least £1,000
  • Make at least 5 debit card payments

💡 First Direct consistently wins customer service awards — worth keeping as a long-term account.

NatWest

£150+ £36/yr cashback available
Paid in ~30 days after meeting conditions

Requirements

  • Must not currently hold a NatWest current account
  • Never received a switch bonus from NatWest, RBS or Ulster Bank
  • Open a new NatWest account before the deadline
  • Complete a full CASS switch
  • Pay in at least £1,250 and log into mobile banking within 60 days

💡 Reward account earns up to £36/yr cashback on bills — partially offsets the monthly fee.

High Earner Offers

Premier bonuses

These accounts require a high income or significant savings — but offer bigger switching bonuses as a result.

Lloyds Premier

£500
Paid in 45–90 days after completing requirements
Eligibility: £5,000/month income or £100,000 with Lloyds

Requirements

  • Open a Lloyds Premier account during the offer period
  • Switch a current account with at least 3 Direct Debits
  • Spend at least £200 on the debit card
  • Pay in at least £5,000 in the first full calendar month, or hold £100,000 in savings/investments with Lloyds
  • No Lloyds, Halifax or Bank of Scotland switch bonus since January 2023

Barclays Premier

£400
Paid in ~28 working days after meeting requirements
Eligibility: £75,000+ salary or £100,000 with Barclays

Requirements

  • Open a Barclays Premier account through the app
  • Pay in at least £4,000 within 30 days
  • Start a full CASS switch with at least 2 Direct Debits
  • Switch must complete within 30 days

NatWest Premier

£250
Paid in ~30 days after meeting criteria
Eligibility: £100,000+ income, £100,000 in savings, or large NatWest mortgage

Requirements

  • Open a NatWest Premier Reward account
  • Complete a full CASS switch
  • Pay in at least £5,000 within 60 days of the switch
  • Log into the mobile app within 60 days

HSBC Premier

£250
Paid in ~70 days after meeting requirements
Eligibility: ~£100,000 salary or £100,000 held with HSBC

Requirements

  • Open a new HSBC Premier account
  • Switch your current account within 90 days
  • Have a qualifying salary paid into the account, or hold £100,000 with HSBC

Not sure how to switch?

Read the full Bank Switching 101 guide — it covers the dummy account strategy, how to set up direct debits, and how to run multiple switches at once.

Read the guide