Never switched banks before? No problem. This interactive guide walks you through every step — from choosing a bank to collecting your bonus. It is easier than you think.
To switch banks, you need an existing current account to switch from. Let us know your situation.
Bank switching is one of the easiest ways to earn free money in the UK. Banks compete for new customers by offering cash bonuses when you switch your current account to them using CASS.
£100–200
Average bonus per switch
10 mins
To apply online
100%
Protected by CASS guarantee
The Current Account Switch Service (CASS) is backed by all major UK banks and guarantees:
Yes, switching is completely free. There are no fees or charges. The Current Account Switch Service is a free service backed by all major UK banks. In fact, you will usually earn money from the switching bonus.
The online application takes about 10 minutes. The actual switch is completed within 7 working days. Your bonus typically arrives 30–60 days after meeting all the requirements.
Yes, you can switch to any bank at any time. However, if you switch back to a bank you recently left, you probably will not be eligible for their switching bonus again due to cooling-off periods (typically 12–36 months). Most switchers go to a different bank each time to maximise their bonuses.
Opening a new current account usually involves a soft credit check, which does not affect your score. The CASS switch itself does not appear on your credit file. Some banks may do a hard search during the application — check the bank's policy beforehand if you are concerned.
If you have an arranged overdraft, your new bank may offer to match or partially match it, but this is not guaranteed. It is best to clear your overdraft before switching, or check with the new bank in advance about their overdraft policy for switchers.
StoozeMax tracks your switches, cooling-off periods, and eligibility automatically. Plan your next switch and maximise your earnings.
Information is for educational purposes only and does not constitute financial advice. Always read the terms and conditions of each bank offer. Switch bonuses and eligibility may change at any time.