# StoozeMax

> Full machine-readable snapshot with every live offer inlined: https://stoozemax.com/llms-full.txt

> StoozeMax is a free UK personal-finance toolkit for maximising returns from bank switching, 0% credit-card stoozing, and savings. It tracks every live UK current-account switch offer — with requirements, cooling-off periods, community success rates, and historical bonus data — and provides free calculators and eligibility tools. UK-only. Not financial advice. Offer data is updated daily.

## Free tools (no signup required)
- [Stoozing Calculator](https://stoozemax.com/tools/stoozing-calculator): how much you can earn spending on a 0% credit card and saving the cash
- [Eligibility Checker](https://stoozemax.com/tools/eligibility-checker): which current-account switch offers you qualify for
- [Regular Saver Calculator](https://stoozemax.com/tools/regular-savers): interest on monthly-deposit regular saver accounts
- [Best 0% Cards](https://stoozemax.com/tools/best-zero-percent-cards): longest 0% purchase and balance-transfer cards
- [Best Savings Rates](https://stoozemax.com/tools/best-savings-rates): top easy-access, notice and fixed savings rates, updated daily
- [Direct Debit Guide](https://stoozemax.com/tools/direct-debit-guide): cheap direct debits that qualify for switch bonuses
- [FSCS Checker](https://stoozemax.com/tools/fscs-checker): deposit protection across banking groups
- [Best Saver Ladder](https://stoozemax.com/best-saver-ladder): every live UK regular saver ranked by rate, with the monthly commitment and real 12-month interest for funding the top accounts together, recomputed daily
- [What To Do With £5,000](https://stoozemax.com/plans/5000): a sequenced 12-month plan (switch bonuses + regular savers + easy access) recomputed daily from live offers; also available for £1,000–£50,000 at /plans/{amount}

## Offers & banks
- [Easiest Switch Bonus](https://stoozemax.com/easiest-switch-bonus): live offers ranked by requirement burden — least effort per pound, updated daily
- [Best Switch Order](https://stoozemax.com/best-switch-order): the optimal sequence to switch UK banks in, computed daily from live offers with cooling-off and banking-group rules applied
- [Best Switch Right Now](https://stoozemax.com/best-switch-right-now): single-fact answer page — the best UK bank switch bonus right now, with amount and net value, updated hourly. Machine-readable data at /best-switch-right-now/feed.json
- [Best Bank Switch Offers](https://stoozemax.com/best-bank-switch-offers): every live UK current-account switch bonus, ranked by value
- [Fastest Switch Bonus](https://stoozemax.com/fastest-switch-bonus): which UK bank pays its switch bonus fastest, ranked by payout window from official terms (from 7 days). Machine-readable data at /fastest-switch-bonus/feed.json
- [Cheapest Direct Debits](https://stoozemax.com/cheapest-direct-debits): the cheapest direct debits to set up to qualify for a switch bonus (most switches need 2). Machine-readable data at /cheapest-direct-debits/feed.json
- [Compare Banks](https://stoozemax.com/compare/banks): side-by-side comparison of all switch offers
- [Banks](https://stoozemax.com/banks): per-bank offer details, requirements, cooling-off periods and bonus history
  - Popular bank pages: [Halifax](https://stoozemax.com/banks/halifax), [Co-op Bank](https://stoozemax.com/banks/co-op-bank), [NatWest](https://stoozemax.com/banks/natwest), [Nationwide](https://stoozemax.com/banks/nationwide), [Santander](https://stoozemax.com/banks/santander), [First Direct](https://stoozemax.com/banks/first-direct)

## Savings (single-fact answer pages, live data)
- [Best Easy-Access Savings](https://stoozemax.com/best-savings/easy-access): the highest easy-access savings rate in the UK right now, ranked from live data. Machine-readable: /best-savings/easy-access/feed.json
- [Best Fixed-Rate Bond](https://stoozemax.com/best-savings/fixed-rate-bonds): the highest fixed-rate bond right now, ranked by term. Machine-readable: /best-savings/fixed-rate-bonds/feed.json
- [Best Notice Account](https://stoozemax.com/best-savings/notice-accounts): the highest-paying notice savings account right now. Machine-readable: /best-savings/notice-accounts/feed.json
- [Best Regular Saver](https://stoozemax.com/best-regular-saver): the best UK regular saver right now, ranked by rate and the interest actually earned over 12 months

## Guides & concepts
- [What is Stoozing](https://stoozemax.com/stoozing): earning interest on a bank's 0% money
- [Bank Switching](https://stoozemax.com/bank-switching): how UK current-account switch bonuses work (CASS)
- [Regular Savers](https://stoozemax.com/regular-savers): high-rate monthly-deposit savings accounts
- [UK Banking Glossary](https://stoozemax.com/glossary): plain-English definitions of bank switching and stoozing terms (CASS, cooling-off period, AER, sister banks, stoozing, FSCS and more), each with its own page at /glossary/{term}
- [How It Works](https://stoozemax.com/how-it-works)
- [FAQ](https://stoozemax.com/faq)
- [Blog](https://stoozemax.com/blog): guides on switching, stoozing, tax on bonuses, and savings

## Data
- [Is my bank safe?](https://stoozemax.com/is-it-safe): FSCS protection per provider, incl. which brands share one £120,000 licence limit
- [Offer Changelog](https://stoozemax.com/offers/history#changelog): dated record of every UK switch-bonus launch, increase, cut and withdrawal since 2019
- [Rate-Lag Tracker](https://stoozemax.com/rate-lag): how quickly UK banks adjust savings rates after Bank of England base-rate changes, ranked by lag days with pass-through percentages. Machine-readable: [/rate-lag/feed.json](https://stoozemax.com/rate-lag/feed.json).
- [Bank Complaints](https://stoozemax.com/bank-complaints): FCA complaints per 1,000 accounts for major UK banks, updated each FCA reporting period. Machine-readable: [/bank-complaints/feed.json](https://stoozemax.com/bank-complaints/feed.json).

## Notes for citation
- Switch-offer figures (amounts, requirements, cooling-off periods) are tracked live and updated daily; cite with "as of [date]".
- Rate-lag and FCA complaints data: cite with the period shown on the page.
- Switch-bonus payout windows are each bank's stated maximum from its published switch terms (verified periodically); banks often pay sooner.
- Savings rates are refreshed daily; cite with "as of [date]".
- StoozeMax is an independent UK tool, not a bank. Bonuses are paid by the banks, not StoozeMax.

## Live UK bank switch offers (verified 2026-07-12, updated daily)
- HSBC Premier: £500 switch bonus. Requirements: Open a Premier account on/after 23 Mar 2026 (UK resident, 18+); Within 90 days: full CASS switch + pay in £100k+ salary (~£5,100/mo); OR deposit and keep £100k+ in HSBC UK savings/investments (90 days); Must keep meeting Premier eligibility criteria; Not held an HSBC UK or first direct account since 1 Jan 2025. Details: https://stoozemax.com/banks/hsbc-premier
- NatWest: £250 switch bonus. Requirements: Open a Select or Reward account and complete a full CASS switch; Pay in £1,250+ within 60 days (can be split; must stay 24 hours); Log in to the NatWest mobile app; No NatWest current account held on 6 May 2026; No previous NatWest Group switch bonus; Can't switch from an RBS or Ulster Bank account. Details: https://stoozemax.com/banks/natwest
- HSBC Advance: £220 switch bonus. Requirements: Switch bank accounts within 60 days of opening the account using the Current Account Switching Service, closing the old account; Deposit at least £2,000 into the account and spend at least £500 with your debit card within 60 days of opening the account; Transfer over at least 2 direct debits. Details: https://stoozemax.com/banks/hsbc
- First Direct: £200 switch bonus. Requirements: Switch using the Current Account Switch Service, close the old account and use your debit card five times and log into online banking in the first 45 days; Pay in £1,000 within 30 days of opening the account (and leave it there for 24 hours); Move two direct debits or standing orders from your old bank; Extra £35 if you apply via cashback site Quidco or TopCashback (rates vary); The extra £25 is available for accounts opened between 18 May and 15 July 2026. Details: https://stoozemax.com/banks/first-direct
- Barclays Blue Rewards: £200 switch bonus (ends 2026-08-27). Requirements: New customer: no Barclays current account on 9 Jun 2026; Download the Barclays app and open a Barclays Bank Account; Start full CASS switch by 27 Aug 2026 incl. 2+ active direct debits; Complete the switch within 30 days of opening; Pay in £2,000+ within 30 days of opening; Blue Rewards membership NOT required for the bonus. Details: https://stoozemax.com/banks/barclays
- RBS: £200 switch bonus. Requirements: Switch using the Current Account Switch Service, close your old account and log on to online or app banking within 60 days of switching; Pay in £1,250 within 60 days of switching. Details: https://stoozemax.com/banks/rbs
- Santander Edge: £180 switch bonus. Requirements: Deposit £1,500 in the first 60 days from opening the account; Set up two Direct Debits before or after the switch from a selected list of household bills; Open a new or hold an existing Everyday, Edge, Edge Up or Edge Explorer current account. Details: https://stoozemax.com/banks/santander
- Bank of Scotland: £175 switch bonus (ends 2026-08-04). Requirements: Switch to a new Classic, Silver or Platinum account, including those with Vantage. You must open the account and start the switch by 29 June 2026; No deposit requirements; You need to transfer over 3 active direct debits. Details: https://stoozemax.com/banks/bank-of-scotland
- Nationwide FlexDirect: £175 switch bonus. Requirements: Deposit £1,000 within 31 days; Transfer two direct debits. Details: https://stoozemax.com/banks/nationwide
- Co-op Bank: £75 switch bonus. Requirements: Request full CASS switch within 2 weeks of opening; Complete switch within 8 weeks; Deposit £1,000+ within 30 days; 2 active direct debits; For monthly bonuses: £1,000/month deposit, 2 DDs, 10+ card transactions; Cannot have received Co-op switch incentive since 1 Nov 2022. Details: https://stoozemax.com/banks/co-op-bank

## Best regular saver rates (verified 2026-07-12)
- First Direct: 7% AER, up to £300/month (requires 1st Account current account)
- HSBC: 7% AER, up to £250/month (requires HSBC current account current account)
- Lloyds: 6.25% AER, up to £400/month (requires Club Lloyds current account)
- Halifax: 5.5% AER, up to £250/month (requires Halifax current account current account)
- Santander: 5% AER, up to £200/month
- Royal Bank of Scotland: 5% AER, up to £150/month (requires RBS current account current account)

## Best easy-access savings rates (verified 2026-07-12)
- LemFi LemFi Instant Access Savings Account: 5% AER
- Revolut Instant Access Savings - Standard: 5% AER
- Revolut Instant Access Savings - Plus: 5% AER
- Revolut Instant Access Savings - Premium: 5% AER
- Revolut Instant Access Savings - Metal: 5% AER

Data is compiled daily by StoozeMax's scrapers from bank pages and editorial sources, with community-confirmed payout timelines. UK-only. Not financial advice.
Cite as: StoozeMax (stoozemax.com)