{ "@context": "https://schema.org", "@graph": [ { "@type": "WebPage", "name": "Two Direct Debits for bank switching, £1.98 a month", "description": "Two genuine Direct Debits for £1.98 a month: set up once and you're ready for every bank switch after.", "url": "https://www.beswitchready.co.uk/setup-direct-debits", "dateModified": "2026-10-18", "publisher": { "@type": "Organization", "name": "BeSwitchReady", "url": "https://www.beswitchready.co.uk" } }, { "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "Is my bank information safe on the Stripe page?", "acceptedAnswer": { "@type": "Answer", "text": "Stripe is certified to PCI-DSS Level 1, the highest payment security standard, and we never see or store your bank details." } }, { "@type": "Question", "name": "What do I need to hand?", "acceptedAnswer": { "@type": "Answer", "text": "Just your sort code and account number, the same details as on your debit card." } }, { "@type": "Question", "name": "How long until the Direct Debits are active?", "acceptedAnswer": { "@type": "Answer", "text": "A new Direct Debit usually takes around six working days before the first payment clears. Give it about a week before you start a switch." } }, { "@type": "Question", "name": "What if an offer needs three Direct Debits?", "acceptedAnswer": { "@type": "Answer", "text": "Most offers ask for two, but some, such as Lloyds and Barclays, ask for three. You'd add one more from a real bill, such as a phone or broadband. Always check the bank's own terms first." } }, { "@type": "Question", "name": "Do your Direct Debits count for every offer?", "acceptedAnswer": { "@type": "Answer", "text": "They suit offers that ask for a number of active Direct Debits. Some offers have extra rules. Santander's recent £240 offer, for example, only counted household bills, which a membership Direct Debit didn't meet. We flag rules like this on each offer page, but the bank's own terms always take precedence." } }, { "@type": "Question", "name": "Can I cancel?", "acceptedAnswer": { "@type": "Answer", "text": "Yes, at any time through your bank or by emailing hello@beswitchready.co.uk. There's no minimum term, and you're covered by the Direct Debit Guarantee." } }, { "@type": "Question", "name": "Do they come with me when I switch banks?", "acceptedAnswer": { "@type": "Answer", "text": "Yes. The Current Account Switch Service moves both Direct Debits to your new bank, so there's nothing to re-authorise." } } ] } ] }
Set up your Direct Debits

Two Direct Debits, ready for every bank switch

Two genuine Direct Debits for £1.98 a month. Set them up once and you're ready for the next offer, without starting again.

Start Direct Debit A — £0.99/month →
Step 1 of 2 · Takes about 60 seconds · Cancel any time via your bank
What you're signing up for

£1.98 a month: two £0.99 Direct Debits

You set up Direct Debit A, then Direct Debit B straight after. Most switching offers ask for two active Direct Debits, so having both running keeps you ready.

Secured by StripeDirect Debit GuaranteeNo minimum term30+ people have joined
1Direct Debit A
2Direct Debit B
3All done

Why two?

2Direct Debits most offers ask for
3Lloyds and Barclays ask for three
1on its own usually isn't enough

HSBC, First Direct, NatWest and Nationwide all ask for two active Direct Debits. They're genuine Bacs Direct Debits, £0.99 a month each, taken by Stripe and shown on your statement as an 8-digit reference followed by BE SWITCH. They keep running after you switch, so you're never starting from scratch for the next offer.

Step 1: Set up Direct Debit A

One click takes you to a secure Stripe page. Enter your sort code and account number, confirm, and you're done. It shows on your statement as an 8-digit reference followed by BE SWITCH.

Set up Direct Debit A — £0.99/month → Secure Stripe checkout. Straight after, you'll be guided to Direct Debit B, which takes the same 60 seconds. You need both active to be fully ready. Not sure yet? Is BeSwitchReady legit? How it works, what it costs and how to cancel.

Only finished Direct Debit A? One on its own usually isn't enough to meet an offer's requirement. Set up the second now.

Set up Direct Debit B — £0.99/month →
What you get

More than two Direct Debits

Members also get offer alerts first (at least 24 hours before the site), a monthly “best next switch” pick, deadline reminders, the monthly newsletter and replies from John.

Two Direct Debits£0.99 each, £1.98 a month in total.
Offer alerts firstNew offers, boosts and ending dates, by email.
Your best next switchA monthly pick, with the order to do things in.
Cancel any timeThrough your bank, no minimum term.
Join BeSwitchReady — £1.98/month → Bank terms always take precedence over our guidance. Check the live offers

What happens after you set up

  1. Both Direct Debits go to BacsA new Direct Debit usually takes around six working days before the first payment clears. They then show as active in your banking app.
  2. The first £0.99 payments collectOn your next billing date. Stripe emails you in advance.
  3. You start getting member emailsLive offers, deadlines and which to go for next.
  4. Pick your switch when you're readyOnce both show active, you can start a switch. Each bank's own terms decide whether you qualify.

Quick questions

Is my bank information safe on the Stripe page?

Stripe is certified to PCI-DSS Level 1, the highest payment security standard, and we never see or store your bank details.

What do I need to hand?

Just your sort code and account number, the same details as on your debit card.

How long until the Direct Debits are active?

A new Direct Debit usually takes around six working days before the first payment clears. Give it about a week before you start a switch.

What if an offer needs three Direct Debits?

Most offers ask for two, but some, such as Lloyds and Barclays, ask for three. You can add an optional third Direct Debit from us for £0.99 a month (set it up here), or use a genuine bill of your own. Each bank decides what counts, so check its terms first.

Do your Direct Debits count for every offer?

They suit offers that ask for a number of active Direct Debits. Some offers have extra rules. Santander's recent £240 offer, for example, only counted household bills, which a membership Direct Debit didn't meet. We flag rules like this on each offer page, but the bank's own terms always take precedence.

Can I cancel?

Yes, at any time through your bank or by emailing hello@beswitchready.co.uk. There's no minimum term, and you're covered by the Direct Debit Guarantee.

Do they come with me when I switch banks?

Yes. The Current Account Switch Service moves both Direct Debits to your new bank, so there's nothing to re-authorise.

Ready when you are

Two Direct Debits, £1.98 a month, cancel any time.

Start Direct Debit A — £0.99/month →

BeSwitchReady is a paid membership service that sets up two Direct Debits. It doesn't guarantee you'll qualify for any bank's offer. Each bank sets its own eligibility criteria, so always check the bank's own terms before applying. General information, not financial advice.