How to Switch Your Bank Account in the UK (7-Day Switch Guarantee)
Switching Banks Is Easier Than You Think
Millions of UK consumers stay with banks they dislike simply because switching seems daunting. The Current Account Switch Service (CASS) was designed to remove that barrier, guaranteeing a complete switch in seven working days.
What the Guarantee Covers
Your new bank transfers all incoming payments (salary, benefits), redirects every direct debit and standing order, and closes your old account automatically. If anything fails — a missed payment or declined direct debit — you are guaranteed a refund of all resulting charges. This applies to all participating banks and building societies.
How to Start
- Open your new account first (minutes online)
- Request a switch through your new bank's app
- Choose a switch date at least seven working days ahead
- Your new bank handles everything with your old bank
What You Need to Do
Very little. Inform your employer of your new sort code as a courtesy — though CASS redirects payments automatically for at least three years. Update PayPal, Amazon, and any manually managed subscriptions.
Why Switch?
FCA research shows consumers who switch often find better rates, lower fees, and superior apps. The average UK consumer stays with their bank for 17 years. Banks regularly offer £100–£200 cash bonuses through CASS — check MoneySuperMarket and Which? for current offers before you switch.
