Switching your account is easy

It pays to switch - get £100 and 5% AER (fixed)

Get £100 cashback and 5% AER (fixed) for 12 months on balances up to £2,500 when you switch to one of our High Interest, Reward, Premium or Zero Accounts

Using our free Account Transfer Service to switch your bank account couldn’t be easier. Our dedicated team takes care of everything and makes the whole experience simple and straightforward for you.

Our three-step commitment to you

It's important you feel confident in switching to us, so our three-step commitment will keep you informed throughout the process.

Step 1. Contact

Takes about 5 days

Step 2. Transfer

Takes about 15 days

Step 3. Confirm

Takes about 2 days

What we’ll do	What we’ll do	What we’ll do
Contact you to let you know that your switch has started. Ask your old bank for a list of all your direct debits, standing orders and bill payments.	Send you a list of all the direct debits, standing orders and bill payments set up on your old account. Set up all your direct debits, standing orders and bill payments on your new account. Ask the relevant companies to collect future payments from your new account.	Contact you to let you know that your switch has been completed. Provide you with a list of the companies that have not confirmed that they have updated their records, and let you know what you need to do.
What you need to do	What you need to do	What you need to do
Choose the date you would like us to start the switch. Tips for choosing this date are detailed below Redirect your income to your new Santander current account using the Credit Redirection letter - form 1	Check the list of direct debits, standing orders and bill payments is correct.	Start using your new Santander Current Account. Close your old account using the Interbank account switching request - form 2

The benefits of using our Account Transfer Service

We’ll transfer all of your existing standing orders, bill payments and direct debits from your old bank to your new current account.
We’ll help you through the switcher process by giving you an interest-free overdraft for at least four months. Overdrafts are subject to status
We will match your existing overdraft (up to £5,000), depending on your circumstances*.
You choose the date you want the switch to start, up to 60 days in the future.
We promise to keep you informed regularly throughout the transfer process so you know exactly what’s happening.

*Note: You must be approved for a Visa Debit Card and agree to pay in your income to your new account

Choosing the date to switch

This is the date that we will start the process of transferring your account from your existing provider to us. It is important to get this right and below are some tips to help guide you.
It will be around 10 days from your chosen switch date that the companies should update their records and be ready to collect the next payment from your new current account when it is due.
We suggest that you choose a start date just after most of your payments have gone out for the month.
If your payments are spread evenly throughout the month, we recommend a start date just after the largest payments have been made.
You can choose a start date for the switch, up to 60 days in the future.

Avoiding any fees

Please make sure you have enough money in your existing and your new account to cover your usual payments while we complete your transfer to us. We will do everything we can to make sure that the switch goes as smoothly as possible. It is unlikely that you will have to pay any bank fees as a result of an error by Santander during the switch process. However, if this happens we will refund any fees in full.

Making switching easier

If you have any questions throughout the process you can view our FAQs or call us on 0845 609 0010. Lines are open Monday to Friday 8am to 6pm, and Saturday 8am to 4pm.