Most switches need 2 active direct debits. The cheapest pairing starts with 30pence.co.uk 30p Direct Debit from £0/month.
Bank switch bonuses almost always require you to set up direct debits on the new account — usually two. They don't have to be expensive: a couple of small monthly charity donations or a cheap subscription will satisfy most offers. Here are the cheapest options, ranked by minimum monthly amount.
Set up Direct Debits now — £3 each per month
No account neededHow many do you need?
2 separate Direct Debits from one setup — they appear as 2 distinct debits on your statement, which is what banks requiring 2+ DDs are checking for.
For how long?
Covers the switch and the wait for the bonus, then cancels itself — you will never pay more than £24.
30pence.co.uk
Subscription30p Direct Debit · Cheapest DD option; specifically for bank switching
Scrimpr
SubscriptionScrimpr Direct Debit · Designed for bank switching; each DD counts separately
Battersea Dogs & Cats Home
CharityBattersea Dogs & Cats Home Monthly Donation · Gift Aid eligible
StoozeMax
SubscriptionStoozeMax Direct Debit · Includes cancel reminders after switch completes
Most UK switch offers require 2 active direct debits. A few ask for just one, and some count standing orders too — always check the specific offer's terms.
Usually yes, once the bonus has landed and any minimum holding period has passed — but check the terms. Charity direct debits are popular because the small donation does some good either way.
Machine-readable data available at /cheapest-direct-debits/feed.json.