Learn how to switch banks in the UK using the Current Account Switch Service. Our step-by-step CASS guide covers the 7-day guarantee and everything you need.
Was this article helpful?
The Current Account Switch Service — commonly known as CASS — is a free, government-backed service that lets you move your current account from one UK bank or building society to another in just 7 working days. It was launched in September 2013 to make switching bank accounts simpler and remove the fear that things might go wrong during the process.
Before CASS existed, switching banks was a genuine headache. You had to manually contact every company that took direct debits, update your salary details with your employer, and hope nothing fell through the cracks. CASS eliminated all of that.
Over 9 million switches have been completed through the service since it launched, and it's backed by a guarantee that protects you if anything goes wrong during the transfer.
The switch guarantee is what makes the whole process virtually risk-free. Here's what it covers:
This guarantee is provided by every bank and building society that participates in the scheme, which covers virtually all UK current account providers.
Switching is straightforward, but a small amount of preparation makes the process even smoother:
£10
You earn
You earn
Research which bank suits your needs. Consider:
Check our best bank switching offers in 2026 for a current comparison.
Apply for your new current account either online, through the bank's app, or in a branch. Most applications take 5 to 15 minutes and you'll typically get a decision immediately.
During the application, you'll be asked whether you want to switch your existing account. Say yes and select the full switch option (not partial). You'll need to provide your current bank's sort code and account number.
You'll be asked to pick a switch date. This is the date when your old account closes and your new account takes over. Key considerations:
Once you've submitted your switch request, here's what happens behind the scenes:
You don't need to contact anyone yourself. Your employer, utility companies, HMRC — they'll all be notified automatically through the redirect service.
After your switch date, take a few minutes to check:
If you have an arranged overdraft with your current bank, CASS won't automatically transfer it. Here's what to consider:
Speak to both your old and new bank if you're unsure. This is the one area where a brief phone call can save hassle.
CASS offers two options:
Full switch — your old account is closed, everything transfers, and you get the 36-month redirect. This is what qualifies for switching bonuses.
Partial switch — you choose which direct debits and standing orders to move, and your old account stays open. This does NOT qualify for most switching bonuses and doesn't include the redirect guarantee.
For the vast majority of people, a full switch is the better option. The redirect service means there's no risk of missed payments, and it's the only way to qualify for cash bonuses.
The entire process takes 7 working days from your chosen switch date. In practice:
Most people report the process completing in exactly 7 working days with no issues. If there is a problem, the CASS guarantee ensures you won't be out of pocket.
My direct debit didn't transfer. Contact your new bank immediately. Under the CASS guarantee, they must resolve it and cover any charges you incur.
I haven't received my switching bonus. Check the specific terms — most bonuses take 7 to 30 days after meeting all conditions. If you've met every requirement and the timeframe has passed, contact the bank.
My salary went to my old account. The 36-month redirect should catch this, but inform your employer of your new bank details as soon as possible to avoid relying on the redirect long-term.
I changed my mind. You can cancel the switch before your chosen switch date by contacting your new bank. Once the switch date has passed and your old account is closed, reversing it becomes more complicated.
Switching banks through CASS is one of the simplest financial moves you can make. The 7-day guarantee removes virtually all risk, and with banks regularly offering £100 to £200 in switching bonuses, it's well worth the 15 minutes it takes to get started.
Check our guide to whether switching banks is worth it if you're still weighing up the decision, or jump straight to the best switching offers available right now.
