Plain-English guides to UK bank switching offers, Direct Debit rules and getting your order right.
Check the live offers page first, then read the switching order guide so you know which bank to do next.
Seven UK offers are live. Each review is checked against the bank's own terms.
3 Direct Debits, one-off £2,000 pay-in, 10 card payments a month.
Read the guide → Live · backBack from 27 Oct. Household Direct Debits only; membership ones don't count.
Read the guide → Live · ongoing2 Direct Debits, £2,000 pay-in, £500 spend. Standard account.
Read the guide → Boost ends 2 Dec£175 plus a £35 boost for accounts opened by 2 December.
Read the guide → Live · ongoingNo Direct Debits needed. £1,250 pay-in and an app login.
Read the guide → Closes 9 Dec3 Direct Debits. Apply by 9 December.
Read the guide → Live · ongoing2 Direct Debits, £1,000 pay-in and one card payment.
Read the guide → RoundupAll live offers ranked by bonus value.
Read the guide → EndedThis offer closed on 7 September 2026. See the live offers instead.
Read the guide →Basics and the rules that decide whether you qualify.
Everything you need to know before your first switch.
Read the guide → EligibilityThe complete eligibility checklist.
Read the guide → BasicsThe system that makes switching safe and simple.
Read the guide → BasicsFull timeline from application to bonus in your account.
Read the guide → BasicsThe most common switching requirement explained.
Read the guide → BasicsThe distinction that decides if you qualify for a bonus.
Read the guide → BasicsThe facts, no scaremongering.
Read the guide → BasicsAn honest look at the effort versus the payoff.
Read the guide →Plan your switches, order and earnings.
The sequence that maximises your annual bonus.
Read the guide → Free toolAnswer 3 questions, get your personalised switching sequence.
Read the guide → StrategyRealistic annual earnings, three scenarios.
Read the guide → StrategyA step-by-step plan using three switches a year.
Read the guide → StrategySerial switching explained.
Read the guide → StrategyRun two switching plans side by side as a household.
Read the guide → StrategyStaying organised and ready for the next offer.
Read the guide → StrategyThe most common ways people miss out on a bonus.
Read the guide → EligibilityWhich UK banks are secretly the same bank.
Read the guide → ReferenceEvery offer, rule and banking group in one place.
Read the guide →Common questions about what counts.
What to do if you don't have two Direct Debits in place.
Read the guide → How-toWhat happens to your mandates during a CASS switch.
Read the guide → EligibilityWhat happens to your overdraft during a switch.
Read the guide → StrategyWhat lenders check, and how to time it safely.
Read the guide → Member storyA real member's step-by-step, from a £25 referral to £425.
Read the guide →Money lessons and accounts for children and students.
Comparing GoHenry, NatWest Rooster and more.
Read the guide → FamilyThe £9,000 allowance explained, cash versus stocks and shares.
Read the guide → FamilyWhat to do, in the right order.
Read the guide → FamilyNatWest, Nationwide, Santander, HSBC and Lloyds compared fairly.
Read the guide →The live offer reviews are checked against each bank's own terms and dated on every page. Bank terms can change at any time, so always confirm with the bank before you apply.
Read how switching bonuses work, then the offers page to see what is live today, then the switching order guide.
Not always. Some banks ask for three, and Santander counts household bills only. Each guide says what to check in the bank's own terms.
General information, not financial advice. Offers and terms are set by each bank and can change at any time, so always check the bank's own terms before applying. Some links are affiliate links; see our affiliate disclosure. BeSwitchReady is not affiliated with any bank listed.