Most people put off switching banks because they think it will be too much hassle and it’s easier to remain at the same account despite receiving no rewards.

Well, what if we told you there is a way to switch with little to no hassle?

If you’re not sure if you should switch banks then take a look at the pros and cons.



Current Account Switching Service offers you a way to move your money, switch accounts without doing a lot of work yourself.

CASS will make sure to match your overdraft limit, your direct debt, standing orders and processed payments will all be taken into account and linked.

You can switch with…

There are over 50 UK banks who are signed up to CASS meaning you will be able to switch easily. These include,

  • Santander
  • Halifax
  • NatWest
  • Lloyds Bank
  • First Direct, and many more


You can’t switch with…

  • A joint account without the permission of both parties
  • Saving accounts
  • ISAs
  • Non-sterling payment accounts.



You often have to have a set amount of direct debits set up as well a minimum deposit to place into the account.


A full Switch

This is when you are moving everything into a new account and closing down your old one.

A Partial Switch

If you want to keep both accounts in order to receive rewards from both and to keep your money separate this is a partial switch. This could be a good idea if you are trying to budget and want to have money in different pots or if your bank offers good rewards.


If you want to switch accounts, find the best one for you and talk to your bank about CASS for an easy transition.