Switching current accounts
Switching with an overdraft or overdrawn balances
You can still switch your account if you're overdrawn, but overdrawn balances are not transferred as part of a switch.
If you require an overdraft as part of your switch, you will need to have this in place before you proceed with your switch as approval for the overdraft is based on a credit check and assessment of your personal circumstances.
You can still switch your account if you’re overdrawn. It is your responsibility to pay off any overdrawn balance including any fees or charges on your old account. You can do this by using available funds or, if you have applied and been accepted, an overdraft with ourselves. Debit balances are not transferred.
The Current Account Switch Guarantee
The Current Account Switch Guarantee means you don’t need to worry about missing bill payments or having to redirect Direct Debits.-
7 working days to switch.
It normally takes just 7 working days to complete the switch over. During that period, you’ll be able to use your new account as you would normally.
All you need to do
When you apply, you just need to let us know:
- Your old account details.
- The date you want to start the switch process.
- Your old debit card details (please have this information available).
We do the rest:
Payments are transferred automatically
All your Direct Debits, standing orders and bill payments will be automatically transferred.
Payments are redirected
Any payments into your old account will be redirected to your new account.
If there are any problems, we guarantee to cover you
If anything does go wrong, we guarantee to sort it out for you and cover any losses you might incur. This is the Current Account Switch Guarantee.
You can keep your old account open, but you won't be covered by the guarantee
You can choose to keep your old account open if you want. However, the Switch Guarantee will then be void.
- If you keep your old account open, we will not cover the costs associated with missed payments.
Other things you may want to do
- Tell your friends and family that you've changed your account details.
- Update your card or bank details on websites you regularly buy from.
Switching Third Party Providers (TPP) Open Banking
We allow you to give TPPs (such as financial comparison websites, money management apps and payment services) the ability to make payments on your behalf, and to access your financial data.
If you could do this with your old account, there are a couple of simple things you’ll need to do once you switch to us.
- Before you close your old account, check whether you have any TPP permissions set up and if so, who with.
- Permissions to TPPs to access services on your account won't be transferred as part of the Current Account Switch Service. Once your new account is open you can give your permission to the TPPs to access your new account by providing them with your new account details. You will need to contact the TPPs directly yourself to set this up.
- If you had set up any Standing Orders on your old account via a TPP then we will ensure that any of these payments due to be made after the switch is complete will still be made. In cases where we cannot match the payment frequency of your existing Standing Order mandate, we will contact you to agree alternative arrangements.
New Customers
Find the right current account for you and request to switch during the application process.
View current accountsExisting customers
You can still switch your old bank account to us by calling us on:
+44(0) 3457 212 212
Lines open
8am - 8pm, 7 days a week
Important information about our call chargesAlternatively, visit us in branch
Use our branch locator to find your nearest branch-
We have designed the Current Account Switch Service to let you switch your current account from one bank or building society to another in a simple, reliable and stress-free way. It will only take 7 working days. As your new current account provider we offer the following guarantee:
- The service is free to use and you can choose and agree your switch date with us.
- We will take care of moving all your payments going out (for example, your Direct Debits and standing orders) and those coming in (for example, your salary).
- If you have money in your old account, we will transfer it to your new account on your switch date.
- We will arrange for payments accidentally made to your old account to be automatically redirected to your new account. We will also contact the sender and give them your new account details.
- If there are any issues in making the switch, we will contact you before your switch date.
- If anything goes wrong with the switch, as soon as we are told, we will refund any interest (paid or lost) and charges made on either your old or new current accounts as a result of this failure.
For more information go to www.currentaccountswitch.co.uk
Important information about our call charges
If you’re calling from the UK, calls to 0800 and 0808 numbers are free from landlines and mobiles; calls to 03 numbers cost the same as calls to numbers starting with 01 and 02; calls to 0845 and 0870 numbers cost 3p per minute, plus your phone company’s access charge; calls to 0844 and 0843 numbers cost 7p per minute, plus your phone company’s access charge. Charges for calls made outside of the UK will be determined by your local provider.
Calls may be monitored or recorded for security and training purposes.
Contact us
If you'd like more help & information, you can:
