Barclays vs Santander: Switch Bonus Comparison
Barclays offers the better net value at £200 vs £180 after fees.
- 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
- Full CASS switch
- Pay in £1,500 within 60 days
- 2 active household direct debits within 60 days
- Cannot have held a Santander current account on 1 Jan 2025
- Apple TV+
- MLS Season Pass
- 4%+ Rainy Day Saver on up to £5,000
- Cashback on household bills and partner retailers (with Blue Rewards)
Verdict: Barclays vs Santander
Barclays offers the higher switch bonus at £200 vs £180.
Santander has fewer requirements (4 vs 5), making it simpler to qualify.
Barclays comes with more perks (4 vs 0), including things like apple tv+.
Santander has the better regular saver rate at 5% vs 3.96%.
Frequently Asked Questions
Which has the higher switch bonus, Barclays or Santander?
Barclays currently offers the higher bonus at £200, compared to £180 from the other bank.
Can I switch to both Barclays and Santander?
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 Santander?
The cooling-off periods are: Barclays: 24 months, Santander: 12 months. During this time you cannot switch away without potentially losing your bonus.
Which bank is easier to switch to, Barclays or Santander?
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.