<Current Accounts

Our best bank switching offers

Earn a bonus of up to £220* for switching your current account

Many banks often offer lucrative deals for simply switching your current account

Switch current accounts

Switch current accounts or get a new one with ongoing rewards
StarlingMonzoRevolutHSBCBarclaysfirst directSantanderNatWestStarlingMonzoRevolutHSBCBarclaysfirst directSantanderNatWestStarlingMonzoRevolutHSBCBarclaysfirst directSantanderNatWestStarlingMonzoRevolutHSBCBarclaysfirst directSantanderNatWest
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*Switching terms may vary depending on the provider. T&Cs apply.
What is the CASSWhy switch accounts?How to switch accountsWorried about switching?Tips for switching accountsNo switching offers?
AuthorLucinda O'Brien
Fact checkerDan Moore
Last updatedJune 12th, 2026

Current account switching offers

9 results found, sorted by Switching incentive. How we order our comparisons.
Get £220* for a full switch to a HSBC UK Bank Account. T&Cs apply.

HSBC Bank Account

Account fee & requirements
No monthly fee
Arranged overdraft
£25interest free, then39.9%EAR variable
Interest rate
0%AER
Switching incentive
£220
View deal
*Open a Bank Account in our mobile banking app &, within 60 days, complete a full switch (inc. 2 direct debits) using the Current Account Switch Service, pay in £2,000 & spend £500 on your debit card. New customers only. T&Cs & eligibility criteria apply.
Offer may be withdrawn at any time and applies to HSBC Bank Account only (Basic Bank Account etc not eligible). Optional overdraft facility available. Overdrafts are designed for short-term borrowing only and are subject to status.
Representative example: £25 interest and fee free overdraft, subject to financial status. If you then use an arranged overdraft of £1,200 you will be charged 39.9% EAR variable. Representative APR: 38.9%. How does this overdraft compare? Representative APRs help you compare the cost of different credit products.
More Information
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£1.000%0%0%0%
Eligibility
Maximum AgeUnlimited
Maximum InvestmentUnlimited
Minimum Age18 years
£200 offer when you switch to NatWest. T&Cs apply.

NatWest Select Account

Account fee & requirements
No monthly fee
Arranged overdraft
39.49%EAR variable
Interest rate
0%AER
Switching incentive
£200
View deal
For £200, open a Select account and switch using the Current Account Switch Service. Pay in £1250 & log into the app within 60 days. You must not have held a current account on 06/05/26 or previously received an offer from NW Group. T&Cs & account criteria apply. May be withdrawn at any time.
Representative example: If you use an arranged overdraft of £1,200 you will be charged 39.49% APR Representative/EAR variable. Subject to financial status. How does this overdraft compare? Representative APRs help you compare the cost of different credit products.
More Information
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£1.000%0%0%0%
Eligibility
Maximum AgeUnlimited
Maximum InvestmentUnlimited
Minimum Age18 years
Permanent UK Resident
£200 offer when you switch to NatWest. T&Cs apply.

NatWest Reward

Account fee & requirements
£2per month, pay in£1,250+per month
Arranged overdraft
39.49%EAR variable
Interest rate
0%AER
Switching incentive
£200
View deal
For £200, open a Reward account and switch using the Current Account Switch Service. Pay in £1250 & log into the app within 60 days. You must not have held a current account on 06/05/26 or previously received an offer from NW Group. T&Cs & account criteria apply. May be withdrawn at any time.
Representative example: If you use an arranged overdraft of £1,200 you will be charged 39.49% APR Representative/EAR variable. Subject to financial status. How does this overdraft compare? Representative APRs help you compare the cost of different credit products.
More Information
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£1.000%0%0%0%
Eligibility
Maximum AgeUnlimited
Maximum InvestmentUnlimited
Minimum Age18 years
Minimum Monthly Credit£1,250
Permanent UK Resident
Get £200 when you switch in the app*

Barclays Bank Account

Account fee & requirements
No monthly fee
Arranged overdraft
35%EAR variable
Interest rate
0%AER
Switching incentive
£199
View deal
*To be eligible, (1) use the Barclays app to open a sole Barclays Bank Account (eligibility criteria apply), (2) initiate a full switch (including two active direct debits) by 27th August 2026, (3) complete the switch & (4) deposit £2,000, all within 30 days. T&Cs apply. New customers, 18+ & UK residents only.
Representative example: Assumed arranged overdraft of £1,200: 35.0% EAR (variable), 35.0% APR Representative (variable). Subject to application, financial circumstances and borrowing history. How does this overdraft compare? Representative APRs help you compare the cost of different credit products.
More Information
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£1.000%0%0%0%
Eligibility
Maximum AgeUnlimited
Maximum InvestmentUnlimited
Minimum Age18 years
Permanent UK Resident
Get £180 to switch. T&Cs/eligibility apply.

Santander Everyday Current Account

Account fee & requirements
No monthly fee
Arranged overdraft
39.94%EAR variable
Interest rate
0%AER
Switching incentive
£180
View deal
£180 when you complete a full switch, set up 2 household Direct Debits & pay in £1.5k within 60 days + £45 Amazon.co.uk Gift Card if you also open & fund a Regular Saver with £200 within 30 days. Gift Card offer ends 2pm 31/07. T&Cs/eligibility apply
Access to Santander Regular Saver. 8.00% AER/Gross (variable), including a 5% AER/Gross (variable) bonus for the first 12 months. Save up to £200 per month, payable from a Santander current account. T&Cs and eligibility criteria apply. Rate may be withdrawn.
Representative example: If you use an arranged overdraft of £1,200 you will be charged 39.94% APR Representative/EAR variable. Subject to financial status. How does this overdraft compare? Representative APRs help you compare the cost of different credit products.
More Information
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£1.000%0%0%0%
Eligibility
Maximum AgeUnlimited
Maximum Investment£2,000,000
Minimum Age18 years
Get £180 to switch. T&Cs/eligibility apply.

Santander Edge® Up current account

Account fee & requirements
£5per month, pay in£1,500+per month
Arranged overdraft
39.94%EAR variable
Interest rate
2.1%AER (on up to £25,000)
Switching incentive
£180
View deal
£180 when you complete a full switch, set up 2 household Direct Debits & pay in £1.5k within 60 days + £45 Amazon.co.uk Gift Card if you also open & fund a Regular Saver with £200 within 30 days. Gift Card offer ends 2pm 31/07. T&Cs/eligibility apply
Access to Santander Regular Saver. 8.00% AER/Gross (variable), including a 5% AER/Gross (variable) bonus for the first 12 months. Save up to £200 per month, payable from a Santander current account. T&Cs and eligibility criteria apply. Rate may be withdrawn.
Representative example: If you use an arranged overdraft of £1,200 you will be charged 39.94% APR Representative/EAR variable. Subject to financial status. How does this overdraft compare? Representative APRs help you compare the cost of different credit products.
More Information
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£1.002.08%2.08%2.1%2.1%
£25,001.000%0%0%0%
Eligibility
Maximum AgeUnlimited
Maximum InvestmentUnlimited
Minimum Age18 years
Minimum Monthly Credit£1,500
Get £180 to switch. T&Cs/eligibility apply.

Santander Edge® current account

Account fee & requirements
£3per month, pay in£500+per month
Arranged overdraft
39.94%EAR variable
Interest rate
0%AER
Switching incentive
£180
View deal
£180 when you complete a full switch, set up 2 household Direct Debits & pay in £1.5k within 60 days + £45 Amazon.co.uk Gift Card if you also open & fund a Regular Saver with £200 within 30 days. Gift Card offer ends 2pm 31/07. T&Cs/eligibility apply
Access to Santander Regular Saver. 8.00% AER/Gross (variable), including a 5% AER/Gross (variable) bonus for the first 12 months. Save up to £200 per month, payable from a Santander current account. T&Cs and eligibility criteria apply.
Representative example: If you use an arranged overdraft of £1,200 you will be charged 39.94% APR Representative/EAR variable. Subject to financial status. How does this overdraft compare? Representative APRs help you compare the cost of different credit products.
More Information
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£1.000%0%0%0%
Eligibility
Maximum AgeUnlimited
Maximum InvestmentUnlimited
Minimum Age18 years
Minimum Monthly Credit£500
Permanent UK Resident
Get £180 to switch. T&Cs/eligibility apply.

Santander Edge® Explorer current account

Account fee & requirements
£17per month
Arranged overdraft
39.94%EAR variable
Interest rate
0%AER
Switching incentive
£180
View deal
£180 when you complete a full switch, set up 2 household Direct Debits and pay in £1.5k within 60 days. Offers can be withdrawn at any time.+ Claim a £150 hotel voucher when you open a Santander Edge Explorer current account. Voucher not available to existing Edge Explorer current account customers. Offers can be withdrawn at any time. T&Cs/eligibility apply.
Once you're 75 years old, you are no longer eligible for the travel insurance benefits. If you have other insurance, you won't be able to make the same claim twice. You can only have 1 Santander Edge® Explorer current account.
Representative example: If you use an arranged overdraft of £1,200 you will be charged 39.94% APR Representative/EAR variable. Subject to financial status. How does this overdraft compare? Representative APRs help you compare the cost of different credit products.
More Information
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£1.000%0%0%0%
Eligibility
Maximum Age73 years
Maximum InvestmentUnlimited
Minimum Age18 years
£175 Welcome switching bonus

first direct 1st current account

Account fee & requirements
No monthly fee
Arranged overdraft
£250interest free, then39.9%EAR variable
Interest rate
0%AER
Switching incentive
£175
View deal
Complete a full switch using the Current Account Switch Service, including at least 2 Direct Debits or standing orders. Then deposit £1,000, make 5+ debit card payments, and log on to digital banking, all within 45 days of your account opening.
New customers only, who haven’t previously held a first direct product, or opened an HSBC current account on or after January 2018. T&Cs apply. Overdraft subject to status.
Representative example: £250 interest and fee free overdraft, subject to status. If you then use an arranged overdraft of £1,200 you will be charged 39.9% EAR variable. Representative APR: 30.5%. How does this overdraft compare? Representative APRs help you compare the cost of different credit products.
More Information
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£1.000%0%0%0%
Eligibility
Maximum AgeUnlimited
Maximum InvestmentUnlimited
Minimum Age18 years
Permanent UK Resident

Current account deals

4 results found, sorted by Lowest account fee. How we order our comparisons.
Which? Recommended Provider 2025

Starling Current Account

Account fee & requirements
No monthly fee
Arranged overdraft
15%EAR variable
Interest rate
0%AER
Joint account available
Yes
View deal
Representative example: If you use an arranged overdraft of £1,200 you will be charged 15% APR Representative/EAR variable. Subject to financial status. How does this overdraft compare? Representative APRs help you compare the cost of different credit products.
More Information
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£1.000%0%0%0%
Eligibility
Maximum AgeUnlimited
Maximum InvestmentUnlimited
Minimum Age18 years
3% AER with Instant Access Savings. Get £20 when you sign up to Revolut! T&Cs apply

Revolut Standard

Account fee & requirements
No monthly fee
Arranged overdraft
-
Interest rate
0%AER
Joint account available
Yes
View deal
Access to savings account with 3% AER (variable), paid daily; exchange 35+ currencies with no extra fees up to £1000/mo; easy bill splitting; instant and free money transfers; get salary paid a work day early. Trusted by 65M+ people worldwide.
Interest earned is liable to the applicable taxes. Instant Access Savings T&Cs apply. Currency exchange in 35+ currencies with Revolut exchange rate. Fees and T&Cs apply. Early salary for UK customers receiving BACS payments only.
More Information
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£1.000%0%0%0%
Eligibility
Maximum AgeUnlimited
Maximum InvestmentUnlimited
Minimum Age16 years

Monzo Current Account

Account fee & requirements
No monthly fee
Arranged overdraft
39%EAR variable
Interest rate
0%AER
Joint account available
Yes
View deal
Instant Access Savings Pots 2.75% (variable). No minimum deposit & maximum deposit £500k. You must have a Monzo account to get an Instant Access Savings Pot. T&Cs apply. Interest Paid Monthly. Spend abroad with no fees.
We pass Mastercard’s exchange rate directly onto you with no extra charges.
Representative example: If you use an arranged overdraft of £1,200 you will be charged 39% APR Representative/EAR variable. Subject to financial status. How does this overdraft compare? Representative APRs help you compare the cost of different credit products.
More Information
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£1.000%0%0%0%
Eligibility
Maximum AgeUnlimited
Maximum InvestmentUnlimited
Minimum Age18 years
Permanent UK Resident
3% AER with Instant Access Savings. Get £20 when you sign up to Revolut! T&Cs apply

Revolut Plus

Account fee & requirements
£3.99per month
Arranged overdraft
-
Interest rate
0%AER
Joint account available
Yes
View deal
Access to savings account with up to 3% AER (variable), paid daily; priority support; exchange 35+ currencies with no extra fees up to £3000/mo; get your salary paid a work day early; easy bill splitting. Trusted by 65M+ people worldwide.
Interest earned is liable to the applicable taxes. Instant Access Savings T&Cs apply. Currency exchange in 35+ currencies with Revolut exchange rate. Fees and T&Cs apply. Early salary for UK customers receiving BACS payments only.
More Information
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£1.000%0%0%0%
Eligibility
Maximum AgeUnlimited
Maximum InvestmentUnlimited
Minimum Contract Term12 months
Minimum Age18 years

What is the Current Account Switch Service?

Until 2013 switching from one bank account to a new one was an unpleasant experience. It took up to 30 days or more and customers were often left with direct debits that weren’t moved and other headaches. But that changed with the launch of the Current Account Switch Service (CASS) in 2013, which was designed to introduce more competition among banks and building societies. 

The idea was to make switching banks simple, reliable and stress-free. The service is free-to-use and available to all individuals, small businesses, charities and trusts in the UK. 

Now switching banks takes just seven working days, and more importantly, the service is backed by a switch guarantee. This ensures that all payments associated with the customer’s old account, will be switched to the new account and ready for use with effect from a pre-agreed switch date. But if something goes wrong, for example you’re charged for missed payment, you’ll be reimbursed for any charges.

 

What are the benefits of switching current accounts?

Switching to a new bank account can offer numerous advantages:

Cash incentives

Many banks now offer money to switch your bank which can significantly boost your finances.

Better features

New accounts may come with improved features, such as higher interest rates, lower fees, or better customer service.

Convenience

Some accounts offer additional perks like overdraft facilities, cashback, or mobile and travel insurance.

How can I switch current accounts?

Research and select the bank or building society you want to switch to. Ensure they participate in the Current Account Switch Service.

Visit the branch or website of your chosen bank or building society and open a new current account. Make sure to provide the necessary identification and proof of address.

Inform the new bank or building society that you want to use the Current Account Switch Service to switch your account from your current provider. They will guide you through the process and provide you with the necessary forms or information.

Fill out the Current Account Switch Agreement and any other required forms provided by your new bank or building society. You will need to provide details about your current account, including the account number, sort code, and details of the bank or building society you're switching from.

Select a convenient date for the switch to take place that is at least 7 working days in the future. Don't set up any new payments, such as Direct Debits, during this 7-day period as these will not be transferred.

Once the switch process begins, your new bank or building society will handle everything. Your direct debits, standing orders, incoming payments, and your balance will be transferred to your new account automatically.

Once the switch is completed, you'll receive confirmation from both your old and new bank or building society. Your old account will be closed, and any remaining balance will be transferred to your new account.

Worried about switching current accounts? Don't be.

Many people are wary of switching bank accounts as they worry things might go wrong. This is understandable given that many people have their mortgage and rent payments, as well as other regular bills being paid from their bank accounts. And any disruption could cause a lot of headaches. 

But this is what the CASS was created to address. With the Current Account Switch Guarantee, customers can have the peace of mind to switch their current account to a better more suitable option for them. This in turn incentivises banks and building societies to offer better products to attract new customers, which results in better outcomes for everyone.

Tips on how to make the switching process easier

List down all your direct debits, standing orders, and recurring payments linked to your current account. This helps ensure none are missed during the switch.

Inform companies or organisations about your account switch. This includes your employer for salary payments, utility companies, gym memberships, insurance providers, etc. Provide them with your new account details to avoid any disruptions in payments.

Choose a switch date that aligns with your financial calendar, such as after payday and before major bill payments are due, to minimise any disruptions.

Ensure you have enough funds in your old account until the switch is complete to cover any outstanding payments or direct debits incase anything goes wrong.

Keep track of the switch progress. Monitor both your old and new accounts to ensure all payments are redirected correctly. Confirm closure of your old account once the switch is completed.

If you encounter any issues or have specific concerns during the switch, don't hesitate to reach out to the customer service teams of both your old and new banks or building societies for assistance

The Current Account Switch Service is designed to complete the process by your preferred switch date, which must be at least seven working days from when you request the switch. However, some payments or processes may take a bit longer to fully transition. Allow some time for all transfers and adjustments to take place smoothly.

What if there are no switching offers available?

There may be a time when there are no switching offers available. But if you’re unhappy with your existing bank or building society, there are still options that offer other benefits that you could consider. These could include cashback offers on your spending, being paid interest on your balance, discounts at specific retail stores, or add-ons such as breakdown cover or mobile phone insurance.

We are classed as a credit broker for consumer credit, not a lender. Our services are provided at no cost to you. We may receive a commission from the companies we refer you to, but this does not affect what you will pay for the product you choose.

Explore our current account guides

Find out more about current accounts and banking with our in-depth guides
How often can you switch bank accounts?
How often can you switch bank accounts?
What different types of bank accounts are available to you?
What different types of bank accounts are available to you?
How to pay off your overdraft fast
How to pay off your overdraft fast
Find more guides here

About the author

Lucinda O'Brien profileLucinda O'Brien
Lucinda O'Brien has spent the past 10 years writing and editing content for regional and national titles. She applies her industry knowledge to ensure readers can make confident financial decisions.

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