Current bank switch offers
UK banks pay cash to win your current account. Here's what's live, what each offer asks for, and how to make sure you actually qualify.
Last updated 2 September 2026
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Last reviewed 2 September 2026. Switch offers are withdrawn at short notice and conditions change between rounds, so always confirm the details on the bank's own page before you switch.
- Direct debits
- 2+ household direct debits
- Other conditions
- Complete the switch, pay in £1,500+ and fund the linked regular saver with £200+ within 60 days. No Santander current account on 1 Jan 2026 and no previous Santander switch bonus.
- Deadline
- Start switch by 7 Oct
- Direct debits
- 2+ direct debits
- Other conditions
- Open via the app (no joint accounts), then within 60 days complete a full switch, deposit £2,000+ and spend £500 on the debit card. Not an HSBC or First Direct customer since 1 Jan 2023.
- Deadline
- Ongoing
NatWest Reward
£200
- Direct debits
- 2+ direct debits of £2+
- Other conditions
- £1,250/month minimum pay-in. £2/month fee, offset by monthly cashback. No previous NatWest, RBS or Ulster Bank switch bonus.
- Deadline
- Ongoing
First Direct 1st Account
£175 (+ £25 Amazon voucher for now)
- Direct debits
- 2+ direct debits or standing orders
- Other conditions
- Within 45 days: switch in, pay in £1,000+ and make 5+ debit card payments. Never held any First Direct product and no HSBC current account since 1 Jan 2018.
- Deadline
- Voucher boost ends soon
- Direct debits
- 2+ direct debits, switched within 28 days
- Other conditions
- Within 31 days of opening, pay in £1,000+ and make at least one debit card payment. No Nationwide switch bonus since 2021 (unless moving between sole and joint).
- Deadline
- Ongoing
Co-operative Bank Current Account
£125 + £25/month for 3 months
- Direct debits
- 2+ direct debits
- Other conditions
- Switch in from a different bank and stay for three months to collect the full amount. No switch cash from the Co-op Bank since 1 Nov 2022.
- Deadline
- Ends Mon 7 Sep
Offer details summarised from MoneySavingExpert's best bank accounts guide. Always check the bank's own terms before switching — amounts, deadlines and eligibility change often.
See past switch offersSwitch offers by bank
Every bank has its own eligibility rules, timings and quirks. Pick a bank for its live offer, who qualifies, the switch timeline and step-by-step instructions.
What switch offers usually require
Conditions vary by bank, but the same handful comes up again and again. You generally need to meet all of them, not just one:
- Two active direct debits on the account you're switching away from — this is the most common sticking point.
- A full switch through the Current Account Switch Service, not a manual transfer of money.
- A minimum amount paid into the new account within a set window.
- A number of debit card payments in the first month or two.
- Registering for online or mobile banking.
- Not having held an account, or claimed a switch bonus, with that banking group before.
Our guides cover each of these in detail — start with how to set up direct debits for a bank switch and how long a switch takes.
Get new switch offers in your inbox
We check the market every Monday. When a bank launches a new switch bonus or increases an existing one, you'll get one short email — nothing else.
One email a week at most. Unsubscribe with one click from any email.
Which banks run switch offers?
Switch incentives are a recruitment tool, so they rotate between the big names rather than running permanently. Banks that have offered switch incentives in recent years include:
- Santander
- HSBC and First Direct
- NatWest and RBS
- Nationwide Building Society
- Co-operative Bank
- Lloyds Bank and Halifax
- TSB
- Barclays and Virgin Money
Because windows are short, preparation beats research: read more on which banks pay switch bonuses.
Unlock Exclusive Bank Switch Offers
Don't miss out on the easiest way to benefit from bank switch bonuses. Sign up at switchy.club and start using our simple £1 direct debit setup to qualify for amazing offers!