Your switch bonuses, in order, with every deadline

Knowing which bonuses you can take is the easy half, and that part is free. The hard half is doing them in the right order without missing a date. This is that: a dated plan built from your answers, each bank's published terms and the Bacs calendar, emailed to you for £4.99.

Every date, worked out backwards

The last safe day to set up Direct Debits for each switch, computed across the Bacs working-day cycle and UK bank holidays. Being a week early costs pounds; being a day late costs the bonus.

The order to do them in

Sequenced so each bonus has landed before the next switch starts, and so a banking-group exclusion never blocks one you were counting on.

What would stop you getting paid

Each offer's requirements checked against what you told us — minimum pay-in, Direct Debit count, card spend, income floors — with the ones that would fail flagged before you start.

Safe-to-cancel dates

When each bank's published payout window has closed and the Direct Debits can go, so you are not paying for them a year later — or cancelling early and forfeiting the bonus.

Which switch bonuses have you already taken?

This is what decides whether you are still blocked. Exclusions apply across a whole banking group, so an RBS bonus locks NatWest too.

Which current accounts do you hold now?

Switch bonuses are for new customers, so these come out of the plan.

Your situation

Cash you could move (£)

It can usually go straight back out again after it lands.

Monthly pay-in you can commit (£)

Several offers set a minimum.

Direct Debits you already have

Ones you could move to a new account.

One payment. No account needed — the plan is emailed to you.

The plan is information based on what you tell us and each bank's published switch terms — it is not financial advice, and it cannot guarantee a bank will pay a bonus. Offers and terms change; check the bank's own page before each switch.