Understanding the CASS (Current Account Switch Service)
What Is CASS?
The Current Account Switch Service (CASS) is the industry-wide service that makes switching UK bank accounts straightforward and risk-free. Operated by Pay.UK, it has processed tens of millions of switches since its 2013 launch.
The Seven-Day Guarantee
CASS guarantees your switch completes in seven working days. Your new bank coordinates everything with your old bank: all incoming payments redirect, all direct debits and standing orders transfer, and your old account closes automatically on the switch date.
The guarantee is backed by financial compensation: if any payment goes wrong due to the switch process, all resulting charges and interest are refunded. This covers both you and organisations that attempt to pay you.
Who Participates in CASS?
Over 40 UK banks and building societies participate, including all major high street banks and most building societies. Some newer digital banks have joined; others use their own processes. Check whether your desired new bank participates before initiating a switch.
How to Initiate a CASS Switch
- Open your new account (you can usually do this before deciding to switch)
- Go to your new bank's app or website and select "Switch to us"
- Confirm your old account details
- Choose your switch date (at least 7 working days away)
- Your new bank handles everything from here
What Isn't Transferred Automatically
CASS does not automatically transfer savings accounts, loans, or mortgages. It also won't move linked credit card accounts. You'll need to update manually managed payment details — things like PayPal where you've stored card details rather than bank details.
Switching Incentives
Many banks offer £100–£200 cash switching bonuses through CASS. Check MoneySavingExpert's comparison regularly — these offers rotate frequently and can make switching genuinely profitable.
