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What is the Current Account Switch Service?


​The Current Account Switch Service was launched in 2013 to simplify the switching process and has switched over 4 million accounts since then.

More than 40 banks and building societies are now part of the service and over 99% of UK current accounts are covered.

How it works

Who can switch?



Anyone with a UK current account, including joint account holders, can switch from one participating bank or building society, to another.

How to switch
Small Businesses, Charities and Trusts

Small Businesses, Charities and Trusts

More than 99% of all small businesses, charities and trusts can use the service. To switch from one participating bank or building society to another, you must have fewer than 50 employees and an annual turnover not exceeding £6.5 million.

How to switch

Why use the Current Account Switch Service?

Why use the

Current Account Switch Service?

It's easy

​Simply open a new current account, decide when you want to switch and then your new bank or building society will take care of the rest. This includes moving all your incoming and outgoing payments, moving your outstanding balance and closing your old account.

It's open to everyone

​Anyone with a UK current account, including joint account holders, small businesses and charities can switch. Just make sure your existing and new bank offer the Current Account Switch Guarantee. You’ll find all the participating banks and building societies here.

It's free and guaranteed

It doesn’t cost a penny to use the service. Over 40 UK bank and building societies are signed up and they will offer the service as standard when switching current accounts. 


Thanks to the Guarantee, in the unlikely event that something goes wrong, you can be confident that any interest or charges you incur as a result of any problem with your switch will be refunded.


To make sure you know everything about the switching process, visit our interactive guide.

Take a look

A Customer's View

  • The switch itself was very simple and effective. I gave my new bank the details of my old bank account and they took care of everything. All my direct debits  along with my standing order and balances were transferred within seven working days.

    Shane Lancaster
  • ​I switched one of my accounts a couple of years back now. The whole process was smooth, fast and reliable. I was very impressed that even my existing standing orders moved from my old account to my new account.

    Ben Peacock Current account user
    Ben Peacock
  • After some trepidation, I decided to use the Current Account Switch Service, I found it very easy, and the problems I had anticipated, such as Direct Debits not being paid, and wages not getting to the new accounts, did not happen.  I was very happy with the service, and would not hesitate to use it again, if I decided to change again.

    Sue Curry Cornwall
    Sue Curry
  • I was able to fill in the simple forms online in the comfort of my own home. Nothing could be easier! I was kept up to date with every aspect of the switch and was able to choose my own switch date. All of my payments in and out were swapped correctly. All in all, a fantastic service that makes it easy to move confidently to a bank that you are happier with.

    Stephanie Earl Warwickshire
    Stephanie Earl
  • I had delayed switching for a long time, thinking it would be too much hassle; but the end of a particular deal with my old bank prompted me to make the effort. It was a very good decision. Not only was the switching process quick and hassle-free, I was able to secure a much better deal with my new bank.

    Joy Lewis Current account user
    Joy Lewis
  • I used the Current Account Switch Service and found it completely hassle free, my payments and Direct Debits were switched over and not one hitch was noted. I highly recommend this service.

    Gary Puddepha Current account user
    Gary Puddepha

About the Current Account Switch Service

The Current Account Switch Service is run by Bacs, the not-for-profit organisation behind Direct Debit in the UK. Over 40 UK banks and building societies participate in the service and have signed up to the Current Account Switch Guarantee. Read the Current Account Switch Guarantee.