Affiliate disclosure: Some links on this page are affiliate links. If you click through and open an account, we may earn a small commission at no cost to you. This does not affect our rankings — offers are sorted by bonus value only. Always read the bank's full terms before applying.
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Show:
All offers
Requires 2 DDs ✓
No monthly fee
Ending soon
Bank & Account
Bonus
Requirements
Action
HSBC
Advance / Premier accounts
Top pick
£500cash bonus
- Switch via CASS
- 2 active Direct Debits ✓
- £1,500/month pay-in
- New HSBC customers only
NatWest
Select / Reward account
Top pick
£250cash bonus
- Switch via CASS
- 2 active Direct Debits ✓
- £1,250/month pay-in
- Not held NatWest since May 2026
First Direct
1st Account
Top pick
£200+ £35 via cashback
- Switch via CASS
- 2 active Direct Debits ✓
- No HSBC account since Jan 2018
- No monthly fee
Santander
Edge Explorer account
£180cash bonus
- Switch main account via CASS
- 2 active Direct Debits ✓
- £17/month account fee
- Open & existing customers
Nationwide
FlexAccount / FlexDirect
£175cash bonus
- Switch via CASS
- 2 active Direct Debits ✓
- Not held Nationwide in last 12 months
- No monthly fee option available
Bank of Scotland
Classic / Silver / Platinum
£175cash bonus
- Switch via CASS
- 2 active Direct Debits ✓
- Not from Halifax or Lloyds
- No incentive from BoS since Jan 2023
🏦 Why do all these offers require 2 Direct Debits?
UK banks use active Direct Debits as a proxy for a "genuine" current account user. Having two in place signals that you're using your account for real financial commitments — not just opening it for the bonus. As a BeSwitchReady member, your two £0.99/month Direct Debits satisfy this requirement automatically, keeping you permanently eligible without needing to rely on other bills or subscriptions.
Not yet a member?
Join BeSwitchReady for £1.98/month and stay permanently eligible for every offer on this page.
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