Best Bank Switch Bonuses UK
Current-account switch bonuses are usually the highest-value beer money offers. Start here if you are happy to use the Current Account Switch Service and can meet the deposit, card-spend and Direct Debit rules.
Latest verification in this list: 11 October 2026
Compact decision table
| Offer | Reward | Key requirement | Payout timing | Main watch-out | Next step |
|---|---|---|---|---|---|
| Barclays | Up to £300 | Full CASS switch with 3 active Direct Debits and £2,000 salary within 30 days of opening; then 10 card purchases and £2,000 salary in each month for each £30 | Each payment within 28 working days of meeting its conditions | The full £300 needs £2,000 of salary in each of up to six months, so it really only suits people whose pay will land there. | See how to claim → |
| HSBC | £220 | Within 60 days of opening in the app: full CASS switch with at least 2 Direct Debits, £2,000 paid in and £500 of eligible debit-card purchases | Within 60 days after all qualifying criteria are met | Excludes current HSBC UK and first direct customers, and anyone who opened (or, by HSBC's account page, held) one of their current accounts since 1 January 2023. | See how to claim → |
| First Direct | £210 | Within 45 days of opening: full CASS switch with at least 2 Direct Debits or standing orders, £1,000 paid in, 5 debit-card payments and a log-on to the app or Online Banking | By the 20th of the month after the one in which you meet every condition (£175, plus £35 for accounts opened by 2 December 2026) | Any previous first direct product, or an HSBC current account opened since 1 January 2018, rules you out. | See how to claim → |
| NatWest | £200 | Within 60 days after the switch completes: £1,250 paid in, each payment held for at least 24 hours, and a mobile-app login | Within 30 calendar days after qualification, while the eligible account remains open | Any previous NatWest Group switch cash excludes the offer, as does holding a NatWest current account on 6 May 2026. | See how to claim → |
| RBS | £200 | Within 60 days after the switch completes: £1,250 paid in, each payment held for at least 24 hours, and a mobile-app login | Within 30 calendar days after qualification, while the eligible account remains open | Any previous NatWest Group switch cash excludes the offer, as does holding a RBS current account on 6 May 2026. | See how to claim → |
| Nationwide | £175 | Switch completes within 28 days; £1,000 paid in and one eligible debit-card payment within 31 days of opening or of asking to switch into an existing account | Within 10 days after all requirements, shown as 'Switching Offer', with the account still open | The 28-day switch and 31-day activity windows need separate tracking, and a new card takes 8 to 10 days to arrive. | See how to claim → |
| Lloyds | £200 | Full CASS switch with at least 3 active Direct Debits, started by 9 December 2026 | Within 14 working days of the switch starting | Needs 3 Direct Debits actually paid in the last 13 months; new ones set up for the switch don't count. | See how to claim → |
How to choose a bank switch bonus
Start with eligibility, not the headline reward. A £220 switch bonus is only useful if you are not blocked by previous-account rules and can complete the pay-in, card-spend and Direct Debit conditions.
Then compare friction. Some offers pay more but need higher deposits, card spending or specific Direct Debits. Others pay slightly less but are faster or easier to complete.
Keep this page as the master checklist, then use the individual offer and comparison pages when deciding which switch to do next.
No-switch bank app alternatives
If you do not want to close and switch an old account, use the Chase, Monzo and Zopa Biscuit referral comparisons instead. They are lower value, but they do not use the full Current Account Switch Service.
Useful no-switch comparisons are linked below.
7 offers listed
Provider
Barclays
Open a sole Barclays Bank Account in the app, fully switch with at least 3 active Direct Debits and pay in £2,000 of salary within 30 days for £150. Then get £30 a month for up to 5 months by making 10 card purchases and paying in £2,000 of salary each month.
Requirement: Full CASS switch with 3 active Direct Debits and £2,000 salary within 30 days of opening; then 10 card purchases and £2,000 salary in each month for each £30
Medium10-15 minutesPayout Each payment within 28 working days of meeting its conditions
Verified 11 October 2026
Provider
HSBC
Open a sole HSBC Bank Account in the HSBC UK app and, within 60 days, complete a full CASS switch with at least 2 Direct Debits, pay in £2,000 and spend £500 on the debit card. HSBC pays £220 within 60 days of you qualifying; current and recent HSBC UK or first direct customers are excluded. Screenshot each step as you go.
Requirement: Within 60 days of opening in the app: full CASS switch with at least 2 Direct Debits, £2,000 paid in and £500 of eligible debit-card purchases
Medium15-20 minutesPayout Within 60 days after all qualifying criteria are met
Verified 11 October 2026
Provider
First Direct
Open a 1st Account and, within 45 days, switch with CASS (at least 2 Direct Debits or standing orders), pay in £1,000, make 5 card payments and log on to the app or Online Banking. Accounts opened by 2 December 2026 get £210 (£175 plus a £35 boost); after that the £175 continues until first direct withdraws it. Note your opening date: every task counts from it.
Requirement: Within 45 days of opening: full CASS switch with at least 2 Direct Debits or standing orders, £1,000 paid in, 5 debit-card payments and a log-on to the app or Online Banking
Medium15-20 minutesPayout By the 20th of the month after the one in which you meet every condition (£175, plus £35 for accounts opened by 2 December 2026)
Verified 11 October 2026
Provider
NatWest
Open a NatWest Select or Reward account and complete a full CASS switch from a bank outside NatWest Group. Within 60 days of the switch completing, pay in £1,250 (each payment held for 24 hours) and log in to the mobile app. Anyone who has ever had NatWest Group switch cash is excluded. Note the date your switch completes: the 60 days start then.
Requirement: Within 60 days after the switch completes: £1,250 paid in, each payment held for at least 24 hours, and a mobile-app login
Medium15-20 minutesPayout Within 30 calendar days after qualification, while the eligible account remains open
Verified 11 October 2026
Provider
RBS
Open a RBS Select or Reward account and complete a full CASS switch from a bank outside NatWest Group. Within 60 days of the switch completing, pay in £1,250 (each payment held for 24 hours) and log in to the mobile app. Anyone who has ever had NatWest Group switch cash is excluded. Note the date your switch completes: the 60 days start then.
Requirement: Within 60 days after the switch completes: £1,250 paid in, each payment held for at least 24 hours, and a mobile-app login
Medium15-20 minutesPayout Within 30 calendar days after qualification, while the eligible account remains open
Verified 11 October 2026
Provider
Nationwide
Switch a current account from another bank in full, moving at least 2 active Direct Debits, within 28 days; then pay in £1,000 and make one eligible debit-card payment within 31 days. A new or existing FlexDirect, FlexAccount or FlexPlus can qualify; switches from Nationwide or Virgin Money are excluded, and sole and joint bonuses are limited to one each since 2021. Pick the earliest switch date offered.
Requirement: Switch completes within 28 days; £1,000 paid in and one eligible debit-card payment within 31 days of opening or of asking to switch into an existing account
Medium15-20 minutesPayout Within 10 days after all requirements, shown as 'Switching Offer', with the account still open
Verified 11 October 2026
Provider
Lloyds
Open a new Club Lloyds, Club Lloyds Silver, Club Lloyds Platinum or Lloyds Premier account between 17 September and 9 December 2026, start a full switch with at least 3 active Direct Debits by 9 December, and Lloyds pays £200 within 14 working days of the switch starting. Recent Lloyds, Halifax and Bank of Scotland switch-offer customers are excluded.
Requirement: Full CASS switch with at least 3 active Direct Debits, started by 9 December 2026
Medium15-20 minutesPayout Within 14 working days of the switch starting
Verified 11 October 2026 · Ends 9 December 2026
Related comparisons
HSBC vs First Direct Switch Bonuses
HSBC vs First Direct switch bonuses compared by cash reward, eligibility exclusions, pay-in rules and payout timing.
NatWest vs RBS Switch Bonuses
NatWest vs RBS switch bonuses compared by reward, group eligibility, pay-in requirement and account fit.
Barclays vs HSBC Switch Bonuses
Barclays vs HSBC switch bonuses compared by headline reward, deposit/spend rules, deadlines and payout timing.
Chase UK vs Monzo Referral Offers
Chase UK vs Monzo referral offers compared by reward size, account setup, qualifying action and payout friction.
Chase UK vs Zopa Biscuit Referral Offers
Chase UK vs Zopa Biscuit compared by reward, what you must do, app-bank setup and payout timing.
Monzo vs Zopa Biscuit Referral Offers
Monzo vs Zopa Biscuit compared by app setup, referral requirement, reward certainty and deposit friction.
FAQ
- What is the best UK bank switch bonus right now?
- The best route depends on whether there is a GetQuids referral path, the headline reward, and whether the eligibility rules fit you. Check whether you have held an account with the same banking group before applying.
- Can I do more than one bank switch bonus?
- Yes, but space applications sensibly and keep track of previous bonuses. Some banks exclude customers who received a bonus from the same group in recent years.