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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 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
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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.

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.

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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
  • ​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
  • ​I visited our local branch and they did everything for us. All our money was transferred and was hassle free. We were given £100 for switching and never looked back. Great service all round!

    Jason Cwmbran
    Jason
  • ​The process was incredibly easy and I would highly recommend everyone consider using the service.

    David Glasglow
    David
  • 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 was reluctant to switch bank accounts as I thought the process would be arduous. I was wrong! It took very little time and virtually no effort on my part. No bills were missed or problems were encountered. I have recommended it to friends and family!

    Felicity Hebden Bridge
    Felicity
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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.