Bank Switch Bonus & Requirement Calculator
Select the bank switches you want to target. The calculator aggregates your total cash bonus, the Direct Debits needed, and the pay-in requirements.
HSBC UK
Premium account
£500
2 DD · £2,000 in · within 60 days
“2 active Direct Debits moved via CASS. 25p Direct Debits qualify as long as they are active and collecting.”
Exclusion: 48 months between switches to this bank
Santander UK
Standard account
£240
2 DD · £1,500 in · within 60 days
“Santander requires 2 'Household Direct Debits' — defined as council tax, mobile/broadband, energy, water, or paid-for TV. Generic 25p Direct Debits (e.g. savings transfers) do NOT qualify.”
HSBC UK
Standard account
£220
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 — 25p Direct Debits satisfy this.”
Exclusion: 48 months between switches to this bank
Royal Bank of Scotland (RBS)
Standard account
£200
£1,250 in · within 60 days
“Core requirements are a £1,250 pay-in and mobile app login — not a specific DD count.”
NatWest
Standard account
£200
£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.”
first direct
Standard account
£175
2 DD · £1,000 in · 5 card payments · within 45 days
“2 active Direct Debits or standing orders moved via CASS. 25p Direct Debits qualify as long as they are active and collecting.”
Nationwide Building Society
Standard account
£175
2 DD · £1,000 in · 1 card payment · within 31 days
“2 active Direct Debits moved via CASS. 25p Direct Debits qualify.”
£1,710
Gross Bonus: £1,710 · Outlay: £0.00
Covers 30p BACS mandates & 30p card transactions needed to qualify.
Capital required (recyclable: transfer £500 in & out 4 times).