What makes a switch bonus easy or hard?

The main hurdles are the pay-in requirement (money you must move through the account), the number of direct debits to transfer, minimum card spending, and whether your old account must close. A full CASS switch itself is automatic once started.

The easiest switch bonus right now

The easiest switch bonus right now is Nationwide FlexDirect's £175: £1,000 pay-in. Rankings weigh what each offer actually asks of you — pay-in size, direct debits, card spend — from the banks' own terms. Last verified 11 Jul 2026; updated daily.

1
Nationwide FlexDirect£175
£1,000 pay-in
Check you qualify →
2
RBS£200
£1,250 pay-inold account must closeapp login
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3
Santander Edge£180
£1,500 pay-in
Check you qualify →
4
NatWest£250
£1,250 pay-inapp login
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5
First Direct£200
£1,000 pay-inold account must closeapp login
Check you qualify →
6
Bank of Scotland£175
no pay-in requirement3 direct debits
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7
Co-op Bank£75
£1,000 pay-in2 direct debits
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8
Barclays Blue Rewards£200
£2,000 pay-in2 direct debits
Check you qualify →
9
HSBC Advance£220
£2,000 pay-in2 direct debits£500 card spendold account must close
Check you qualify →

Chasing value instead of ease? See the optimal switching order or today's single best offer.