Top bank accounts offering
free cash to switch

The best bank account switch offers we've seen recently…

Best bank account switch offers

We're always keeping an eye out for the top bank accounts that offer free cash for switching.

We frequently check with all the main banks to find the latest switch bonuses, to help you earn the best bank incentives. Martin Lewis is another great source for this – check out MoneySavingExpert's list of top bank accounts that pay free cash for switching.

Here are our top picks:

First Direct – 1st Account

Offer: £210 + 7% saver to switch.

Deadline to start your switch: Wed 2 Dec.

  • - New customers only.
  • - Switch via CASS with ≥2 Direct Debits/standing orders. – we can help!
  • - Deposit £1,000 within 45 days.
  • - Make 5+ debit card payments within 45 days.
  • - Log in to digital banking within 45 days.
  • - Never held a first direct product.
  • - No HSBC current account opened after 1 Jan 2018.
  • - Open account between 14 Sep 2026 and 2 Dec 2026 for extra £35.

HSBC – HSBC Premier Bank Account

Offer: £500 to switch.

  • - New customers only.
  • - Not held HSBC or first direct account since 1 Jan 2025.
  • - Have £100k+ salary or £100k+ savings/investments with HSBC.

NatWest – Select account

Offer: £200 to switch.

  • - Not held a NatWest account since 06 May 2026.
  • - Open a Select or Reward account and switch via CASS.
  • - Pay in £1,250 within 60 days of switching (keep 24h).
  • - Log in to the NatWest mobile app within 60 days of switching.
  • - £200 paid within 30 days of meeting conditions.

Nationwide – FlexDirect, FlexAccount or FlexPlus

Offer: £175 to switch.

  • - Switch from non-Nationwide or Virgin Money account.
  • - Old account must have ≥2 Direct Debits. – we can help!
  • - Complete switch within 28 days.
  • - Pay in £1,000 + 1 card payment within 31 days.
  • - First time receiving this switch offer.
  • - £175 paid within 10 days of meeting criteria.

RBS – Select

Offer: £200 to switch.

  • - Open a Select or Reward account and complete a full switch using CASS.
  • - Pay in £1,250 within 60 days of switching (must stay in account 24 hours).
  • - Log in to the Royal Bank mobile app within 60 days of switching.
  • - Not have held a Royal Bank current account since 06 May 2026.
  • - Paid within 30 days of meeting the criteria.

Santander – Everyday Current Account

Offer: £240 + £200 saver to switch.

Deadline to start your switch: Wed 7 Oct.

Starling – Personal Account

Offer: Free SURI Pro 2.0 toothbrush to switch.

  • - New customers only.

Have we missed something?

Please let us know!

Whilst we try our best to keep this page up-to-date and accurate, please make sure you check the switch offer directly with the bank before you decide to switch.

You should also make sure you double-check the eligibility criteria before you apply. For example, there might be a monthly fee or a minimum monthly deposit, or the bank might want to check other things like your credit score, or if/when they last gave you free cash for switching banks.

Make sure you use the Current Account Switch Service when switching banks for a sign-up bonus. This is offered by all the banks we list here, and the bank you're switching to (your new bank) should provide this.

And, to be clear - this is not financial advice!

Last updated: Tue 29 Sept

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