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    Santander switch bonus

    Santander is one of the most consistent players in the UK switching market, running cash offers on its Everyday and Edge current accounts several times a year.

    The Santander offer right now

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    Offer details are refreshed automatically every Monday from MoneySavingExpert's best bank accounts guide. Always confirm the terms with the bank before switching.

    Who is eligible for the Santander switch bonus?

    Banking group: Santander UK. Bonuses are normally once per group, so check your history with every brand in it.

    • You must complete a full switch through the Current Account Switch Service, not a manual transfer.
    • Santander normally requires two or more active household direct debits to move across with the switch.
    • Anyone who has held a Santander current account recently, or claimed a Santander switch bonus before, is usually excluded.
    • A minimum deposit inside the offer window is almost always required.

    Short of direct debits? Read how to set up direct debits for a switch or set up a £1/month Switchy direct debit in a couple of minutes.

    Santander switch timeline

    1. Day 0

      Open the new account and start the switch using the Current Account Switch Service (CASS).

    2. Day 1–3

      The new bank confirms your switch date and requests your balance, direct debits and standing orders.

    3. Day 7

      Switch completes. Payments in and out are redirected automatically for at least three years.

    4. Day 7–60

      Meet the pay-in, card spend and direct debit conditions inside the offer window.

    5. After the window

      The bank checks the criteria and pays the bonus, usually within 30 days.

    How to switch to Santander

    1. Check you are eligible — most Santander bonuses exclude anyone who has held an account with the same banking group recently or claimed a switch bonus before.
    2. Make sure the account you are switching away from has the required number of active direct debits. A £1/month Switchy direct debit is the simplest way to top these up.
    3. Apply for the qualifying Santander account online or in the app, and choose the full switch option rather than opening the account on its own.
    4. Give your old account details, pick a switch date, and let CASS move your balance, direct debits and standing orders.
    5. Complete the offer conditions — the minimum pay-in, any debit card payments, and registering for mobile or online banking.
    6. Keep the account open until the bonus lands, then decide whether to stay or switch again.

    Santander specifics worth knowing

    • Santander sometimes ties the bonus to paying into a linked regular saver — check the current conditions above before you start.
    • Edge accounts carry a monthly fee, so factor that in if the qualifying account is a paid one.

    Before you switch to Santander

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    Need direct debits for your Santander switch?

    Set up a £1 monthly direct debit with Switchy and tick off the requirement most people fall short on.

    Set up your Direct Debit now