{"generatedAt":"2026-06-28T14:50:06.709Z","verified":"June 2026","source":"https://stoozemax.com/fastest-switch-bonus","note":"payoutDays is each bank's stated maximum calendar days from meeting requirements to the bonus being paid, per published switch terms. Banks often pay sooner.","fastest":{"bank":"Co-op Bank","bonus":75,"payoutDays":7,"basis":"Within 7 days of meeting the eligibility criteria (£1,000 deposit, 2 direct debits, 10 debit-card payments, online/mobile registration within 30 days of switching).","source":"https://www.co-operativebank.co.uk/pdfs/bank/currentaccounts/switching/switch-offer-terms-and-conditions-jan-26.pdf","confidence":"high","url":"https://stoozemax.com/banks/co-op-bank"},"all":[{"bank":"Co-op Bank","bonus":75,"payoutDays":7,"basis":"Within 7 days of meeting the eligibility criteria (£1,000 deposit, 2 direct debits, 10 debit-card payments, online/mobile registration within 30 days of switching).","source":"https://www.co-operativebank.co.uk/pdfs/bank/currentaccounts/switching/switch-offer-terms-and-conditions-jan-26.pdf","confidence":"high","url":"https://stoozemax.com/banks/co-op-bank"},{"bank":"Nationwide","bonus":200,"payoutDays":10,"basis":"Within 10 calendar days of the full switch completing.","source":"https://www.nationwide.co.uk/current-accounts/switch-to-us/","confidence":"high","url":"https://stoozemax.com/banks/nationwide"},{"bank":"Santander","bonus":200,"payoutDays":30,"basis":"Eligibility is assessed 60 days after the switch is instructed, then the bonus is paid within 30 days of that decision (so ~90 days from instruction).","source":"https://www.santander.co.uk/personal/current-accounts/switch","confidence":"high","url":"https://stoozemax.com/banks/santander"},{"bank":"NatWest","bonus":150,"payoutDays":30,"basis":"Within 30 days of completing the switch, paying in £1,250 and logging into the mobile app (all within 60 days of switching).","source":"https://www.natwest.com/current-accounts.html","confidence":"high","url":"https://stoozemax.com/banks/natwest"},{"bank":"RBS","bonus":150,"payoutDays":30,"basis":"Within 30 calendar days of completing the qualifying steps (full switch, £1,250 paid in, app login within 60 days of switching).","source":"https://www.rbs.co.uk/current-accounts.html","confidence":"high","url":"https://stoozemax.com/banks/rbs"},{"bank":"First Direct","bonus":175,"payoutDays":50,"basis":"Paid before the 20th of the month after you qualify — a date-based rule; typically under 30 days, up to ~50 in the worst case.","source":"https://www.firstdirect.com/content/dam/wpb/fsdt/en/documents/pdf/switch-offer-terms-and-conditions.pdf","confidence":"high","url":"https://stoozemax.com/banks/first-direct"},{"bank":"HSBC","bonus":200,"payoutDays":60,"basis":"Within 60 days of switching your everyday banking and meeting the offer criteria.","source":"https://www.about.hsbc.co.uk/news-and-media/hsbc-uk-introduces-220-current-account-switch-incentive","confidence":"medium","url":"https://stoozemax.com/banks/hsbc"},{"bank":"Barclays","bonus":175,"payoutDays":63,"basis":"Within 45 working days (~63 calendar days) of Barclays confirming you met the requirements. Sources differ (some cite 28 working days), so this is the conservative upper bound.","source":"https://www.barclays.co.uk/current-accounts/switch/","confidence":"medium","url":"https://stoozemax.com/banks/barclays"}]}