Switching your account is easy

Dedicated Switcher Service.

Switch your current account to Santander and we'll do the hard work for you.

It's important you feel confident in switching to us, which is why we'll help you to switch:

1.  We'll do all we can to switch your account within 20 days.*

2.  To qualify for overdraft matching you must be approved for a Visa Debit card, agree to pay your income into your new account and provide proof of your existing overdraft. Maximum overdraft matching limit is £5000. 

3.  No Arranged Overdraft interest or fees for 4 months and up to 12 months, depending on the current account you choose - see Representative Example**

4.  We'll waive or refund all of our fees as you switch.

5.  We'll do the hard work for you - our dedicated team will help you every step of the way.

Representative Example

Take a look at our simple three-step process

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

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The benefits of using our switcher service

• We'll set up all of your existing Direct Debits, standing orders and bill payments from your old bank to your new Santander account.
• We'll ask the direct debit companies to collect future payments from your new account
• We'll help you through the switcher process by not charging you any Arranged Overdraft Interest or fees for four months**.  Some of our current accounts offer a longer interest-free and fee-free period, depending on the account you choose.  Please see the Interest Rates and Fees for full details of our product range.
• To qualify for overdraft matching you must be approved for a Visa Debit card, agree to pay your income into your new account and provide proof of your existing overdraft. Maximum overdraft matching limit is £5,000.**.
• We'll let 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.

Choosing the date to switch

This is the date that we will start the process of transferring your account from your existing bank 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.

Important information

We can not switch your current account if you have a joint account with your old bank and your new Santander account is a single account.

Making switching easier

If you have any questions throughout the process you will find a number of helpful Q&A's on our current account FAQs page or you can call us on 0845 609 0010. Lines are open Monday to Friday 8am to 6pm, and Saturday 9am to 2pm.