Bank Switch Eligibility Checker

Select the banks you've had accounts with recently to see which switch bonuses you're likely eligible for.

Which banks have you had a current account with in the last 3 years?

Understanding banking groups

UK banks are organised into groups that share eligibility restrictions. If you've had a current account with any bank in a group, you're typically ineligible for switch bonuses from all other banks in that same group.

Lloyds Banking Group

Lloyds, Halifax, Bank of Scotland, Scottish Widows

HSBC Group

HSBC, First Direct

NatWest Group

NatWest, Royal Bank of Scotland, Ulster Bank

Virgin Money Group

Virgin Money, Clydesdale Bank, Yorkshire Bank

Tips for maximising switch bonuses

  • Work through different banking groups — switch to one bank from each group before revisiting
  • Track your cooling-off periods — set reminders for when you become eligible again
  • Use a donor account — keep your main bank and switch a secondary account (Starling or Monzo work well)
  • Stack with cashback — check TopCashback and Quidco for extra £20-25 per switch

Track your eligibility automatically

StoozeMax tracks your switch history, calculates cooling-off periods, and tells you exactly when you're eligible for each bank again. Plus reminders for every deadline.

Start Tracking Free