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What is the Current Account Switch Service?

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​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?

Individuals

Individuals

​Anyone with a UK current account, including joint account holders, can switch using the service.

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 be eligible you must have fewer than 50 employees and an annual turnover not exceeding £6.5 million.

How to switch
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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. ​

 

​The process is the same everywhere, so you’ll know what to expect when you switch, no matter which bank or building society you choose.

It's open to everyone

​Anyone with a UK current account can use our service, including joint account holders, small businesses and charities. 

 

Over 40 UK banks and building societies are signed up to the service, meaning that you can be confident that the process will be the same wherever you switch.

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.

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

Take a look

A Customer's View

  • ​I was really pleased with my switch, the whole process was very straightforward, and on the switch day everything was set-up on my new account, including all my online banking arrangements, so I could hit the ground running.

    Richard Fincham Camberwell
    Richard Fincham
  • 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
    Shane
  • ​I switched my main current account, which I had used for many years, and which had all my direct debits and standing orders set up. Using the Current Account Switch Service was easy, went without a hitch and my new account took over seamlessly where the old one left off, enabling me to get the benefits of a higher interest paying account with no hassle.

    Steve Rose Current account user
    Steve Rose
  • Would highly recommend the Current Account Switch Service. Simple, straightforward and reliable. Once I had given my old bank details, my new account was set up on the date agreed and all my Direct Debits transferred over. No need to waste time calling each supplier individually or arranging closure of your old account.

    Annemarie Jones Stockton on Tees
    Annemarie Jones
  • I found the Current Account Switch Service simple to use from start to finish. I chose a date for the switch to be completed by and I was kept informed all the time of what was happening by post and text message. They transferred across all my Direct Debits and payments and actually closed down my old current account. I recommend using the Current Account Switch Service every time.

    Alexandra Hallett Current account user
    Alexandra Hallett
  • 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
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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.