Barclays vs NatWest: Switch Bonus Comparison
Barclays offers the better net value at £400 vs £150 after fees.
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- Open via Barclays app
- Sign up to Blue Rewards
- Full CASS switch with 2 active direct debits
- Pay in £2,000 within 30 days
- Cannot have held a Barclays current account on or before 17 Feb 2026
- Apply for Select or Reward account
- Full CASS switch by 28 May 2026 (complete by 16 June 2026)
- Deposit £1,250
- Log into mobile app
- Open a Digital Regular Saver by 16 June 2026
- Cannot have held a NatWest current/savings account as of 17 Feb 2026
- Apple TV+
- MLS Season Pass
- 4%+ Rainy Day Saver on up to £5,000
- Cashback on household bills and partner retailers (with Blue Rewards)
- 7% AER Digital Regular Saver (up to £150/month, for 12 months)
- Reward account pays £5/month cashback if conditions met
Verdict: Barclays vs NatWest
Barclays offers the higher switch bonus at £400 vs £150.
Barclays has fewer requirements (5 vs 6), making it simpler to qualify.
Barclays comes with more perks (4 vs 2), including things like apple tv+.
Frequently Asked Questions
Which has the higher switch bonus, Barclays or NatWest?
Barclays currently offers the higher bonus at £400, compared to £150 from the other bank.
Can I switch to both Barclays and NatWest?
Yes, you can switch to both banks, but you need to do them one at a time using the Current Account Switch Service (CASS). Complete one switch, wait out the cooling-off period, then switch again to the second bank.
How long is the cooling-off period for Barclays and NatWest?
The cooling-off periods are: Barclays: 24 months, NatWest: 36 months. During this time you cannot switch away without potentially losing your bonus.
Which bank is easier to switch to, Barclays or NatWest?
Both banks use the Current Account Switch Service (CASS), which makes the process straightforward. The main differences are in specific requirements like minimum pay-in amounts, number of direct debits, and whether you need to use their app. Check the requirements comparison above for full details.