What is Switchy Club?

Switchy Club is a service that enables you to set up a £1 monthly direct debit to qualify for various bank switch bonuses, making the process quick and secure.

How many Direct Debits can I set up?

You can set up as many as you like. After setting up your first Direct Debit, you can repeat the process as many times as you like.

How do I set up my direct debit with Switchy?

Setting up your Direct Debit is simple. Just sign up on our website, link your bank account, and we'll handle the rest. Your direct debit of £1 will be automatically scheduled each month.

We do not process any information or bank details directly at Switchy. All your information will be directly communicated to Stripe, our payment processor, via their secure checkout, and it will never be on our servers.

What will appear on my bank statement?

Our payment partner will process the payment and you should see it as Switchy or Stripe on your bank statement.

How do I cancel my Direct Debit?

To cancel your Direct Debit(s), simply click on the cancellation link provided in your confirmation email or contact us. You can also easily cancel your Direct Debits directly with your bank.

How the Current Account Switch Service works

The Current Account Switch Service (CASS) is the free UK system that moves your current account from one bank to another. Almost every switch bonus requires you to use it — offers mean a full switch through this service, not just opening a new account and moving money yourself.

It's run by Pay.UK, the same organisation behind the UK's payment network, and nearly every UK bank and building society takes part. When it works properly, you barely notice it happening.

What it moves for you

A full switch through the service transfers far more than just your balance:

Your balance — money in the old account moves to the new one.
Your direct debits and standing orders — they're transferred automatically, which is exactly what switch bonus conditions look for.
Incoming payments — salary, benefits and anything else sent to your old account gets redirected to the new one for at least 36 months (some banks redirect for 3 years, others longer).
Your old account — a full switch closes it, so nobody can pay into a dead account or leave a bill unpaid.

How the 7 working days work

The service runs to a fixed timetable called the 'switch date'. You choose the date when you apply, and everything completes on that day.

1You apply for the new account and ask to switch an existing one to it.
2The new bank sets a switch date — usually 7 working days from when you agree it.
3On the switch date, your balance, direct debits and standing orders move to the new bank.
4Your old account is closed the same day, and payments sent to the old account start being redirected.
5If anything goes wrong in the move, the Current Account Switch Guarantee covers it — the banks sort it out and refund any interest or charges you lost.

Why switch bonuses insist on it

A CASS switch is a complete, verifiable move — the new bank can see the old account was closed and the direct debits genuinely transferred. That's why offers are written as 'switch using the Current Account Switch Service' rather than 'move some money across'.

Moving money manually between two open accounts, sometimes called a partial transfer, doesn't trigger any of this. Banks can't verify it, and partial transfers don't qualify for switch bonuses.

Before you start the switch

A few minutes of preparation avoids almost every common problem:

Have at least two active direct debits on the account you're switching away from — they transfer with the switch, and most bonus offers require them.
Check the offer's eligibility rules, especially the 'you must not have banked with us since...' exclusions and banking-group restrictions.
Pick a switch date that leaves room to meet any other conditions, like minimum pay-ins or debit card payments, within the offer's deadline.
Download or note your old account's statements if you might want them — closing the account can make them harder to get later.

During and after the switch

On the switch date itself, your cards on the old account stop working, so make sure you're not relying on them that day. Your new bank's card and banking access should already be live.

For the first few weeks, keep an eye out for any payment that arrives late or a direct debit that fails — the guarantee means the bank will fix it and refund charges, but only if you tell them. If a bonus hasn't arrived within the window stated in the offer terms, contact the bank with your switch details.

Common questions

Is the Current Account Switch Service free?: Yes — it's free for consumers, and the banks pay to take part. Any offer that asks you to pay to switch isn't using the official service.
Can I switch if I have an overdraft?: Usually yes, but you need approval from the new bank to bring the overdraft with you. Ask before you start — if they say no, you'll need to clear it first.
What happens to payments sent to my old account after switching?: They're redirected to your new account automatically, normally for at least 36 months. The sender is also told your new details, so they can update their records.
Does using the service affect my credit score?: The switch service itself doesn't. Any impact comes from the new bank's account application, which may involve a credit check.

Live offers by bank

Each bank page shows the current bonus, who qualifies, the switch timeline and how to switch. Amounts are refreshed automatically every Monday.