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 NatWest's £200: £1,250 pay-in, old account must close, app login. Rankings weigh what each offer actually asks of you — pay-in size, direct debits, card spend — from the banks' own terms. Last verified 21 Oct 2026; updated daily.

1
NatWest£200
£1,250 pay-inold account must closeapp login
Check you qualify →
2
RBS£200
£1,250 pay-inold account must closeapp login
Check you qualify →
3
Nationwide FlexDirect£175
£1,000 pay-in2 direct debits
Check you qualify →
4
First Direct£210
£1,000 pay-in2 direct debitsapp login
Check you qualify →
5
Co-op Bank£200
£1,000 pay-in2 direct debits
Check you qualify →
6
Lloyds£200
no pay-in requirement3 direct debitsold account must close
Check you qualify →
7
Santander£100
£1,500 pay-in2 direct debits
Check you qualify →
8
Barclays£300
£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.