Thinking of moving banks? Learn how to switch bank accounts in the UK with the Current Account Switch Service—stress-free, fee-free, and done in just 7 days.
Let’s face it—switching bank accounts might sound like a hassle. You’ve probably got direct debits flying out left and right, maybe your salary goes into that account, and the idea of moving everything over feels like it could go horribly wrong.
But here’s the good news: in the UK, switching banks is actually super simple—thanks to the Current Account Switch Service (CASS). Whether you’re unhappy with your current bank, want better interest rates, or you’re just in it for the switching bonus (we don’t blame you), switching banks is easier than ever.
Here’s everything you need to know to switch bank accounts in the UK with the Current Account Switch Service—without the stress.
What Is the Current Account Switch Service (CASS)?
The Current Account Switch Service (or CASS for short) is a free service offered by most UK banks and building societies. It allows you to move your current account from one bank to another within 7 working days, with all your payments (like direct debits, standing orders, and salary) automatically transferred over.
Even better? If anything goes wrong during the switch, you’re protected. Any missed payments caused by an error in the switching process are covered. It’s all part of the Current Account Switch Guarantee.
Why You Might Want to Switch Bank Accounts
Here are some good reasons people make the jump:
- Better interest rates or cashback deals
- Introductory switching bonuses (some banks offer up to £200 just for switching!)
- Improved customer service
- Better mobile banking apps or digital features
- Lower fees or overdraft charges
If your current bank isn’t cutting it, there’s no reason to stay stuck. Switching is easier than ever.
How the Current Account Switch Service Works
Switching with CASS is straightforward. Here’s a step-by-step guide:
1. Choose Your New Bank Account
Look around for a new current account that suits your needs—whether it’s cashback, better savings rates, or a slick mobile app. Many comparison websites like MoneySavingExpert or Compare the Market are great for spotting current deals.
Make sure the bank you’re moving to is signed up to the Current Account Switch Service (most are).
2. Apply for the New Account
Apply online, in-branch, or through the bank’s app. During the application, you’ll usually be asked if you want to switch your old account using CASS.
3. Set Your Switch Date
You can choose a switch date—just make sure it’s at least 7 working days away. This gives the banks time to do the work behind the scenes.
4. Let CASS Handle the Rest
Once your switch date arrives, CASS will:
- Move all incoming and outgoing payments (salary, direct debits, standing orders)
- Transfer your balance to your new account
- Close your old account
You’ll get confirmation when it’s all done. And that’s it—you don’t need to contact your employer or utility providers. It’s all automatic.
Does Switching Affect Your Credit Score?
In short—nope. Simply switching current accounts doesn’t impact your credit score. However, your new bank may do a soft or hard credit check as part of the application process (especially if there’s an overdraft involved). It’s always worth checking beforehand.
What If Something Goes Wrong?
Don’t panic. If there’s an error and, say, a bill doesn’t get paid on time during the switch, you won’t be charged. CASS protects you under their Switch Guarantee, and the bank will refund any charges or fees that result from the mistake.
A Few Extra Tips for a Smooth Switch
- Download statements or take screenshots of your old account, just in case you need records.
- Check for rewards—many banks offer cash or perks if you switch and meet certain conditions (like paying in a set amount each month).
- Update your saved login info or payment details in apps like PayPal, Netflix, or Amazon if they’re linked to your old account.
- Don’t forget joint accounts—you’ll both need to agree and sign up for the switch.
Switching your bank account doesn’t have to be a pain. With the Current Account Switch Service, the whole process is quick, painless, and protected. Whether you’re chasing rewards, better service, or just looking for a fresh start with your finances, there’s really no reason not to make the move.
So if you’ve been putting it off, consider this your sign. Switching banks in the UK is easier than ever—and your new bank might even pay you for the trouble.