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Guide to switching your current account

We're members of the Current Account Switch Service which means in 7 working days you could have all your Direct Debits, standing orders and any regular credits set up on a new account with us.

Stress-free switching in just 7 working days

  • You can either switch to a new account, or one you've already got with us

  • Our dedicated switcher team will switch of all your Direct debits, standing orders and your salary

  • Choose when your switch starts - this can be up to 60 days in the future

  • It will only take 7 working days

  • We will keep you updated of progress by letter, text and e-mail

  • We'll close your old account and redirect any payments to your Santander Current Account

  • You could get a 4 month fee-free Arranged Overdraft when you switch to us. Overdrafts are offered depending on your circumstances.                              

Representative example

0% EAR (variable) Arranged Overdraft. Arranged Overdraft Usage Fee of £1 per day (this is capped at 20 days each statement period for the Choice Current Account). If you are switching to Santander then there will be no Arranged Overdraft Usage Fee for the first 4 months. Assumed Arranged Overdraft credit limit: £1,200. Actual credit limit may differ. Arranged Overdraft Usage Fee depends on the amount of overdraft you are using.

 

You can also choose to switch to Santander from a bank or building society that is not a participant in the Current Account Switch Service free of charge. For more information please refer to our Switch Your Current Account factsheet document

We will switch your current account in 7 working days.

Starting your switch
You choose when your switch starts – this can be up to 60 days in the future. Please provide us with your old account sort code, account number and debit card details.
Switch start date (Day 1)
We’ll ask your old bank for a list of your payments (for example, standing orders and Direct Debits). Please tell us if you would like to receive progress updates by text, email or letter.
Transfer (Days 2 to 6)
We’ll set up the payments on your Santander account, and we’ll tell the companies you pay by Direct Debit to collect future payments from your new account. We’ll also let people know who pay money into your account to send it to your new account from now on.
Your chosen Switch date (Day 7)

Your switch is complete. If you have a positive balance, it will be transferred to your Santander account. If you have an overdrawn balance, you’ll need to clear it with your old bank. Your old bank or building society account will be closed.

From the day your switch completes we’ll automatically redirect any payments from your old account to your Santander account and we’ll also contact the sender to give them your new account details. We’ll do this for a period of three years or longer, in accordance with the Current Account Switch Agreement. This means there’s no need to worry about missing any payments.

Following your switch
If this is a new current account, you’ll have received by now your cards and PINs, as well as your Online and Telephone Banking registration details, if you’ve requested them. Any payments switched from your old account will start coming out of your Santander account, so you should make sure you have enough money in your new account to cover them.
Current Account Switch Guarantee

We have designed the Current Account Switch Service to let you switch your current account from one bank or building society to another in a simple, reliable and stress-free way. It will only take seven working days. As your new current-account provider we offer the following guarantee.

  • The service is free to use and you can choose and agree your switch date with us.

  • We will take care of moving all your payments going out (for example, your Direct Debits and standing orders) and those coming in (for example, your salary).

  • If you have money in your old account, we will transfer it to your new account on your switch date.

  • We will arrange for payments accidentally made to your old account to be automatically redirected to your new account. We will also contact the sender and give them your new account details.

  • If there are any issues in making the switch, we will contact you before your switch date.

  • If anything goes wrong with the switch, as soon as we are told, we will refund any interest (paid or lost) and charges made on either your old or new current accounts as a result of this failure.

 

 

 

 

How to switch
Switching to Santander is stress-free and can be completed in just 7 working days. Check if your current bank or building society is signed up to the Current Account Switch Service

If you don't already hold a Santander Current Account, you can apply Online or in branch. We will ask you during the application if you want to switch an account you hold elsewhere to Santander.

If you're an existing customer we can also arrange to switch a current account you hold elsewhere to your existing Santander current account. Simply visit your local branch. An appointment may need to be booked.

To switch you'll need to give us

  • your existing sort code and account number

  • your existing debit card number and expiry date. If you are switching a joint account to us, we'll need the debit card details for all applicants. 

See our range of Current Accounts

Frequently asked questions

  • It's a free service that lets you switch your current account from one participating bank or building society to another. It has been designed to be simple, reliable and hassle free and is backed by the Current Account Switch Guarantee.

  • Yes, you can choose and agree a switch date with us. Just make sure you allow seven working days for the switch to take place and that your chosen date isn't a Saturday, Sunday or Bank Holiday.

  • Yes, all banks and building societies that display the Current Account Switch Guarantee Trustmark will follow the same switching process and must offer the same guarantees. There are over 40 participating banks and building societies in the UK and you can see them here

  • All incoming and outgoing payments will be automatically redirected to your new account. Each time a payment is redirected, an automatic message is sent back to the originator advising them of your new account details so they can update their records. Some organisations may contact you directly to confirm your details have changed. If you do not want your new details to be given to someone who sends a one-off payment, contact us. 

  • In the unlikely event that there are any issues in starting the switch, we will inform you before your switch date. If anything goes wrong, we will ensure that any charges or interest incurred on your old and/or new account as a result of the error will be refunded. It is for Santander to decide whether you receive compensation above and beyond the refund.

  • No, providing you repay any outstanding overdraft on your previous account as required by your old bank or building society. If there are any problems with payments as part of the switching process, we will correct them and ensure your credit rating is not affected.

  • Yes. You will need to agree any overdraft facilities you require with us. Alternatively, we may be able to provide facilities to help you pay off any existing overdraft you may have, subject to our normal lending criteria. If you do not come to an agreement with us you must make separate arrangements to repay your existing overdraft before you switch.

  • You will be able to access the funds in your old account up to and until your switch date, when they will be transferred to your new account.

  • Yes, you can use the service to switch accounts from and to any of the participating banks and building societies.

  • No, we can’t switch savings accounts or ISAs using the Current Account Switch Service, however we are able to transfer your ISA from another provider. For more information please visit our ISA help and support page.

  • Yes, as long as both parties agree to the switch and you are switching to another joint account in the same names. It is not possible to use the service to switch a joint account to a sole account although you can switch an account in your sole name to a joint account you are also named on.

  • The Current Account Switch Service will not interfere with this process and any debit card or Direct Debit transactions that you’ve asked your bank to stop should remain stopped after your switch.

  • You can cancel your switch up to seven working days before your switch date. After that only certain elements can be cancelled. We will guide you through this process if you decide to cancel your switch.

     

  • On your switch date your old bank or building society will de-register your mobile phone number from Paym. Santander offers Paym so you can then re-register your mobile number with us. You can do this on or after your switch date, or earlier if you de-register your mobile number at your old bank or building society yourself.

  • Can’t find what you are looking for? Find more on the current account FAQs page.

1 7 Day switch is guaranteed under the Current Account Switch Guarantee when you switch from a bank or building society that is also a member of the Current Account Switch Service. Switch completes in 7 working days. 

EAR explained
EAR stands for Effective Annual Rate and represents the yearly cost of an overdraft, which takes account of how often we charge interest to the account, and does not include any other fees or charges.

Overdrafts depend on your circumstances and you must repay any overdraft when we ask in line with our General Terms and Conditions. 

Information correct as at 16 October 2017

Santander UK plc. Registered Office: 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom. Registered Number 2294747. Registered in England and Wales. www.santander.co.uk. Telephone 0800 389 7000. Calls may be recorded or monitored. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 106054. You can check this on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/register. Santander and the flame logo are registered trademarks.