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How it works

Bank switching, made simple

Two Direct Debits that move with you, plus the guidance to switch at the right time.

The short answer

You pay £1.98 a month. We keep your Direct Debits ready.

Many UK banks ask for active Direct Debits before they pay a switching bonus. BeSwitchReady provides two £0.99 Bacs Direct Debits, collected through Stripe, so you can meet that requirement without moving your own bills. Each bank sets its own rules, so check its terms.

Join for £1.98 a month →

How it works in four steps

  1. Join and set up your Direct DebitsSign up and approve your £0.99 Direct Debits through Stripe. It takes about two minutes. They usually appear in your banking app within about six working days.
  2. Stay switch-readyThe Direct Debits run monthly and move with you to a new bank when you switch with the Current Account Switch Service.
  3. Get offer alerts and your monthly pickNew offers, boosts and deadlines by email, plus a monthly best-next-switch pick and a reminder before an offer closes.
  4. Switch and claimPick an offer, read its rules, open the account and switch with CASS (about seven working days). Meet the bank's conditions and wait for the bonus. Each bank states when it pays.

What's included

Two Bacs Direct Debits£0.99 each, £1.98 a month, with an optional third.
Offer alerts firstNew offers, boosts and ending dates by email.
Monthly best next switchA pick and the order to do things in.
Live offers trackerEvery live offer, checked against the bank's own terms.
Switching order calculatorAnswer three questions for your sequence.
Free eligibility guideA downloadable PDF of every offer and rule.
No guarantees: bonuses depend on each bank's own rules. BeSwitchReady can't guarantee its Direct Debits will meet every offer's requirements. Your payments are covered by the Direct Debit Guarantee, and you can cancel any time.
Free download: the eligibility databaseEvery live offer, Direct Debit rules, banking groups and a switching checklist.
Download the PDF

Frequently asked questions

Do I need both Direct Debits?

Most offers that ask for Direct Debits ask for two, and some members only need one because they already have a bill on Direct Debit. If you only set up one, you can add the other at any time. Each bank decides what counts, so check its terms.

Do you guarantee I'll get a bonus?

No. Each bank sets its own eligibility rules, and we can't guarantee any bank will count our Direct Debits. We help you meet the Direct Debit requirement and keep track of the offers.

What do the Direct Debits look like on my statement?

Each shows as an 8-digit reference followed by BE SWITCH, at £0.99 a month per Direct Debit. See our page on what BE SWITCH on your statement means.

What is the optional third Direct Debit?

Barclays and Lloyds ask for three Direct Debits. You can add a third from us for £0.99 a month (£2.97 for all three), or use a genuine bill of your own. Check the bank's terms to see what it counts.

How long until my Direct Debits appear?

A new Direct Debit usually takes about six working days to appear in your banking app, so set it up before you start a switch.

Can I cancel any time?

Yes. There is no minimum term or cancellation fee. You can email us, cancel in your banking app or use the Stripe portal. If you cancel before a bank has paid your bonus, the switch may be disqualified, so check the bank's terms.

Ready to get started?

Two minutes to set up. No minimum term.

Join BeSwitchReady →See live offers

General information, not financial advice. Offers and terms are set by each bank and can change at any time. BeSwitchReady Ltd (company number 17160688) is a paid membership service and is not affiliated with any bank listed.