Two low-cost Bacs Direct Debits that stay active until you cancel, plus monthly guidance on which switching offer to look at next. Bonuses depend on each bank's own rules.
Bank switching bonuses depend on each bank's eligibility rules. BeSwitchReady can't guarantee its Direct Debits will meet every offer's requirements.
First Direct's £35 boost ends 2 December · Lloyds closes 9 December
Most offers ask for two active Direct Debits. Lloyds and Barclays ask for three.
Most major UK switching offers need active Direct Debits, usually two. We keep two ready for you and tell you what to do with them.
Authorise two genuine Bacs Direct Debits via Stripe. They usually take around six working days to appear on your statement, each as an 8-digit reference followed by BE SWITCH.
Both run automatically, and move to your new bank when you switch via CASS. No re-linking. Each bank sets its own eligibility rules.
The best live offers, eligibility checklist, deadlines and step-by-step instructions for the offer we recommend this month.
Switch via CASS and meet the conditions. Bonuses are usually paid within 30–60 days. Repeat across different banks every few months.
£0.99/month each, protected by the Direct Debit Guarantee. Designed to meet the Direct Debit requirement of most UK switching offers.
New offers, changes and closing dates by email, at least 24 hours before we publish them on the site.
The live offers ranked by value, a monthly pick with the reasoning, and the order to do things in.
Email hello@beswitchready.co.uk and John answers himself.
The live offers tracker and our guides are free for everyone. Membership adds the Direct Debits and the early, personal help above.
An illustration of what three switches in a year could look like:
Figures are illustrative, based on publicly available switching offers at the time of writing. Bonuses depend on meeting each bank's eligibility criteria, and you'd need to meet each bank's own conditions. Always read offer terms before applying.
Want the longer version? Read how a £25 referral bonus turned into switching bonuses →
Most major UK switching offers require active Direct Debits, usually two, before you qualify. Your membership provides two genuine Bacs mandates of £0.99/month each, processed by Stripe, appearing on your bank statement as an 8-digit reference followed by BE SWITCH.
You can, if you have two or more bills on Direct Debit and they don't get disrupted when you switch. Many people find that after a previous switch, mandates don't transfer cleanly. BeSwitchReady gives you two dedicated mandates, maintained for this purpose and transferring via CASS each time. Some offers need only one, or none, so check the bank's terms.
Banks typically look for active Direct Debits that meet the offer's terms, and ours are designed to help you meet that requirement. But each bank decides who qualifies and can refuse a bonus, so always check the bank's own criteria before applying. Terms vary and can change.
Through your bank app in a few taps, the same way you'd cancel any Direct Debit. Or email us and we'll do it immediately. No notice period, no fees, no forms.
No. Direct Debits are not credit products and don't appear on your credit file. Opening a new bank account does involve a credit check, so see our guide on switching and your credit score.
Less than the cost of a coffee. More than the cost of doing nothing.
No minimum term · Cancel via your bank or email · No cancellation fees
Bank switching bonuses depend on each bank's eligibility rules. BeSwitchReady can't guarantee its Direct Debits will meet every offer's requirements.
BeSwitchReady Ltd, registered in England & Wales. ICO registered. We are not affiliated with any bank and cannot guarantee that switching offers will remain available — always read each bank's full terms before applying. Bonus figures shown are illustrative examples based on publicly available switching offers and do not constitute a guarantee of earnings. BeSwitchReady does not provide personalised financial advice.
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