Bank switch deals – November 2025

Use a “burner” current account, switch it, hit the rules, take the cash. Quick summaries below – always read full bank T&Cs before applying.

Barclays Bank & Premier
FCA: 759676 • Offer ends 27 November 2025
£200 for the standard account with Blue Rewards, or £400 for higher-earner Premier.
£200 / £400
Switch bonuses
Apple TV+ & MLS Pass Enhanced savings accounts
What you get
  • £200 when you open a Barclays Bank Account, join Blue Rewards (£5/m), switch in via CASS and pay in £2,000.
  • £400 when you open a Premier Current Account, switch via CASS and pay in £4,000 (for higher earners / large savers).
  • Apple TV+ and MLS Season Pass, Barclays Cashback Rewards and boosted rates on Rainy Day Saver / Blue Rewards Saver.
What you have to do
  • Open a Barclays Bank Account in the app and join Blue Rewards for the £200 offer.
  • Use CASS to fully switch in another bank account with at least 2 Direct Debits.
  • For £200: pay in at least £2,000 within 30 days of opening.
  • For £400 Premier: open a sole Premier Current Account in the app, start a full CASS switch and pay in £4,000 within 30 days.
Little gotchas
  • New customers only and you must meet Blue Rewards / Premier eligibility rules.
  • No Barclays current account on/after their cut-off date and no previous Barclays switch bonus.
  • Offers end 27 November 2025 and can change – always read the small print.

Full details: compare switch offers & Barclays switch T&Cs.

Santander Everyday / Edge
£200 switch bonus • Extra value via TopCashback
Good if you’ve already got household Direct Debits on bills.
£200
Switch bonus
Everyday (free) or Edge (cashback) Needs 2 “household” DDs
What you get
  • £200 when you fully switch an eligible current account using CASS.
  • Option for ongoing cashback on bills with Edge / Edge Up.
What you have to do
  • Open an eligible Santander current account (Everyday, Edge, Edge Up or similar).
  • Request a full CASS switch from another bank.
  • Within 60 days, complete the switch, have at least 2 selected household Direct Debits and pay in £1,500.
Little gotchas
  • No Santander current account on 1 January 2025 and no previous Santander switcher bonus.
  • Offer can be pulled at any time.
  • Only certain bill providers count as “selected household” Direct Debits (energy, water, broadband, mobile etc.).

See the Santander switcher page and full £200 offer T&Cs (PDF).

NatWest Select / Reward
£175 switch bonus • Sister deals at RBS / Ulster
Simple “pay in once and log in” style offer.
£175
Switch bonus
No Direct Debits needed Select (free) or Reward (£2/m)
What you get
  • £175 paid into your new NatWest account within 30 days of meeting the rules.
  • Access to NatWest’s Digital Regular Saver and optional Reward cashback.
What you have to do
  • Be a UK resident and open a Select, Reward, Premier Select or Premier Reward account from 16 Sept 2025.
  • Use CASS to fully switch a non-NatWest/RBS/Ulster current account (old account must close).
  • Within 60 days of the switch completing, pay in £1,250 (can be multiple payments, each must stay 24 hours) and log in to the mobile app.
Little gotchas
  • No previous NatWest/RBS/Ulster switch bonus and you can’t have had a NatWest current account open on 16 Sept 2025.
  • Account must still be open and not a Student/Graduate/Foundation account when the bonus is due.

Full info: NatWest switch page and switch offer T&Cs (PDF).

Lloyds Club / Silver / Platinum / Premier
£200 switch bonus when you bring 3 Direct Debits
Classic “move your bills over” style switch.
£200
Switch bonus
Needs 3 active Direct Debits Premium accounts have monthly fees
What you get
  • £200 paid into your new Lloyds account within 10 working days of your switch completing.
  • Short overdraft intro offer on qualifying accounts (3 months interest-free arranged overdraft, if approved).
What you have to do
  • Open a new Club Lloyds, Club Lloyds Silver, Club Lloyds Platinum or Lloyds Premier account.
  • Use CASS to fully switch from another bank (not Halifax/BOS) and close the old account.
  • Switch must include at least 3 active Direct Debits transferred as part of the switch.
Little gotchas
  • No Lloyds/Halifax/Bank of Scotland switch incentive received since April 2020 (including joint accounts).
  • You can’t just upgrade an existing Lloyds account – it has to be a new qualifying account.
  • Premium accounts have monthly fees, and the offer can be withdrawn at any time.

Full detail on the Lloyds switching page & T&Cs.

first direct 1st Account
£175 switch bonus • No monthly fee
Fan favourite for customer service + high-rate regular saver.
£175
Switch bonus
No monthly fee Regular Saver ~7% AER
What you get
  • £175 when you switch into a new 1st Account.
  • Access to a high-rate Regular Saver and an interest-free overdraft slice (if eligible).
  • No foreign transaction fees on the debit card for spending abroad (not cash withdrawals).
What you have to do
  • Open a new 1st Account (offer from 9 Sept until withdrawn).
  • Within 45 days, use CASS to fully switch your everyday account, including at least 2 Direct Debits or standing orders.
  • Pay in at least £1,000, make 5+ debit card payments and register/log in to online or app banking.
Little gotchas
  • UK residents only. You can’t have had any first direct product before.
  • Not available if you’ve opened an HSBC current account on or after 1 January 2018.
  • Offer can be pulled at any time; payment normally before the 20th of the month after you qualify.

See the first direct account page and switch offer T&Cs (PDF).

Nationwide FlexAccount / FlexDirect / FlexPlus
£175 switch bonus • Offer from 18 Sept 2025
Co-op style mutual, popular for “solo + joint” runs when available.
£175
Per eligible switch
Needs 2 Direct Debits Can switch into existing account
What you get
  • £175 paid into the Nationwide account you switch into.
What you have to do
  • Open (or already have) a FlexAccount, FlexDirect or FlexPlus.
  • Request a full CASS switch from another provider between 18 Sept 2025 and the offer end, including at least 2 Direct Debits.
  • Let the switch finish within 28 days, then within 31 days pay in £1,000 and make at least one qualifying debit card payment.
Little gotchas
  • No Nationwide switch offer received since 2021 (with a couple of exceptions when moving between sole/joint accounts).
  • Old account must be in your name (or joint in your name) and the switch must close it fully.
  • Nationwide can pull or change the offer; account must be open and in good standing when they pay.

Full details in the FlexDirect page and Nationwide switch offer T&Cs (PDF).

RBS Select / Reward
£175 switch bonus • No RBS account as of 16 Sept 2025
Sister offer to NatWest – simple “pay in & log in” switch.
£175
Switch bonus
No Direct Debits needed Funds must stay 24 hours
What you get
  • £175 paid into your new RBS account within 30 days of meeting the switch rules.
What you have to do
  • Be a UK resident.
  • From 16 Sept 2025, apply for and open an RBS Select, Reward, Premier Select or Premier Reward account.
  • Use CASS to fully switch a current account that is not with RBS, NatWest or Ulster Bank – the old account must close.
  • Within 60 days of the switch completing:
    • Pay in £1,250 (can be made up of multiple payments, each must stay in the account for at least 24 hours), and
    • Log into the RBS mobile banking app at least once.
Little gotchas
  • Offer is for new and existing customers who did not hold an RBS current account on 16 Sept 2025.
  • Not eligible if you’ve ever received a switch bonus from RBS, NatWest or Ulster Bank.
  • Only one £175 payment per customer and per joint account.
  • Your account must still be open and not a Student, Graduate or Foundation account when they pay the bonus.
  • Offer may be changed, replaced or withdrawn – always check the latest details.

Full terms on the RBS switch offer page.

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