Claim £2,250 in Verified UK Bank Switch Cash.
Compare live bank incentives, check exact switch exclusion dates, and set up 25p Bacs-guaranteed Direct Debits to satisfy 2-mandate switch criteria without moving your main bills.
Switch Bonus Calculator
See how much cash you could collect this month across active UK deals.
£2,250
Guaranteed Switch Cash
£205
Average Payout Per Deal
25p
Monthly Direct Debit Cost
30p
One-Off Card Payment Cost
100%
CASS Switch Compliant
Top Verified UK Bank Switch Offers
Every payout below is what you actually receive, with the Direct Debit rules we verified against each bank's own terms. All offers rechecked 8 August 2026.
Barclays Bank
Premium account
2 DD · £4,000 in · within 30 days
“2 Direct Debits of any value moved via CASS. Cheap DDs qualify.”
£600
voucher, not cash
Income requirement
Ends 27 Aug
HSBC UK
Premium account
2 DD · £2,000 in · within 60 days
“2 active Direct Debits moved via CASS. Cheap DDs qualify as long as they are active and collecting.”
£500
Income requirement
The Co-operative Bank
Standard account
2 DD · £1,500 in · 5 card payments · within 30 days
“2 active Direct Debits must be moved via CASS. Cheap DDs qualify — the requirement is simply that they are active and collecting.”
£300
£200 guaranteed
- £125 Switch bonus
- £25 Month 1 reward
- £25 Month 2 reward
- £25 Month 3 reward
- £100 Loyalty bonus (existing Coventry/Co-op customers only)
9 days left
HSBC UK
Standard account
2 DD · £2,000 in · £500 spend · within 60 days
“2 active Direct Debits must be moved via CASS. They need to be actively collecting — cheap DDs satisfy this.”
£220
Ulster Bank
Standard account
£1,250 in · within 60 days
“Core requirements are a £1,250 pay-in and mobile app login. Northern Ireland customers only.”
£200
Royal Bank of Scotland (RBS)
Standard account
£1,250 in · within 60 days
“Core requirements are a £1,250 pay-in and mobile app login — not a specific DD count.”
£200
Barclays Bank
Standard account
2 DD · £2,000 in · within 30 days
“2 Direct Debits of any value moved via CASS. Cheap DDs qualify.”
£200
Ends 27 Aug
NatWest
Standard account
£1,250 in · within 60 days
“Core requirements are a £1,250 pay-in and mobile app login — not a specific DD count. However, the Reward account (£2/month fee) gives cashback for active DDs.”
£200
Why Use 25p Direct Debits for Bank Switching?
Most UK bank switch bonuses (£150–£200) require you to have 2 active Direct Debits on the account you are switching away from. Moving your actual electricity, council tax or broadband bills can be slow, risky, and disruptive.
Keep Real Bills Safe
Don't risk delayed payments or utility billing errors. Keep your main home bills on your primary account while using low-cost dummy Direct Debits on your burner accounts.
Legitimate Bacs Mandates
Banks check for registered Bacs Direct Debit instructions. Standing Orders and debit card subscriptions (Netflix, Spotify) do not count. 25p Direct Debits generate real Bacs mandates.
Instant Setup & 1-Click Cancel
Register in under 2 minutes. Payments collect automatically each month via Direct Debit, and you can cancel anytime with a single click inside your banking app.
Ready to set up your 25p Direct Debits?
Single Direct Debit: 25p/month. Two Direct Debits: 45p/month. Bacs Guarantee protected.
30p Debit Card Payments for Switch Offers
Direct Debits are only half of it. Many switch offers also demand a minimum number of debit card payments before they pay out — often 5 separate transactions. Rather than hunting for things to buy, make them here for 30p each.
No Account Needed
Pay and go. There is no sign-up, no login, and nothing to cancel afterwards — if you already know how many payments your offer wants, you can be done in under a minute.
Real Card Transactions
Each payment is a genuine debit card purchase settled through the card networks, which is exactly what the offer terms are counting. Repeat it as many times as your offer requires.
One-Off, Never Recurring
30p, 60p, 90p, or any custom amount up to £5. Nothing is stored and nothing repeats — a payment happens once, when you ask for it.
Need card payments for your switch?
From 30p per payment. No account, no subscription, no cancellation to remember.
4 Steps to Switching & Collecting Cash
How UK bank switchers collect £1,000+ per year safely.
Open a "Burner" Account
Create a secondary current account with any bank that has no active switch offer (e.g. Chase or Starling).
Set Up 2 Direct Debits
Add 2 x 25p Direct Debits to your burner account and wait 3-5 days for the Bacs mandates to show as active.
Initiate CASS Switch
Apply for a target bank deal (e.g., £200 bonus) and select the 7-day Current Account Switch Service (CASS) option.
Collect Your Cash Bonus
Once the switch completes, the bank pays your bonus (usually within 7-30 days). Repeat with the next deal!
Essential Switch Guides
All Guides →How experienced UK deal hunters stack multiple switch offers, manage donor account pipelines, and earn passive interest with credit card stoozing.
A practical guide to clearing bank switch hurdles: pay-in recycling tricks, debit card spend shortcuts, app activation, and staying eligible.
How UK bank switches actually work, why banks pay up to £200+ in free cash, how to use donor accounts, and how to avoid costly mistakes.
Latest Switch News
All News →Frequently Asked Questions
Everything you need to know about bank switching and Direct Debits.
What is a 25p Direct Debit service and how does it work for bank switching?↓
UK bank switch offers typically require 2 active Direct Debits on your current account. A 25p Direct Debit is a legitimate, low-cost Bacs-registered recurring payment instruction. Setting it up on a 'burner' account registers a genuine active mandate without needing to transfer your primary household utility bills.
Do Standing Orders or debit card subscriptions count towards bank switch requirements?↓
No. Standing Orders are instructions you send from your bank, and debit card subscriptions (like Netflix or Spotify) process via card networks. Banks explicitly check for Bacs Direct Debit mandates registered directly on the account.
How long does a Direct Debit take to become active before I start my switch?↓
Direct Debit mandates usually take 3 to 5 working days to register with your bank. We recommend setting up your Direct Debits at least 1 week before initiating the Current Account Switch Service (CASS) to ensure at least one payment collection has cleared.
Will setting up small 25p Direct Debits affect my credit score?↓
No. Direct Debits are payment collection instructions, not credit agreements or loans. Setting up or cancelling a Direct Debit has zero impact on your credit file or credit score.
Is the Current Account Switch Service (CASS) safe?↓
Yes. CASS is backed by the UK's 7-Day Switch Guarantee. All your incoming payments, salary, and active Direct Debits are automatically transferred to your new account, and any accidental payments sent to your old account are redirected for at least 3 years.
Can I switch back to the same bank and claim a bonus twice?↓
Banks enforce 'exclusion periods' (typically 24 to 36 months) before you are eligible for another switch bonus. Our free Switch Tracker monitors these exclusion dates for you so you know exactly when a bank becomes lucrative again.
Start Collecting Bank Switch Bonuses Today
Compare verified deals, set up your 25p Direct Debits, and never miss out on free cash bonuses again.