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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.

Hassle-free switching in just 7 working days

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

  • You can choose when your switch starts - this can be the day your account is opened or up to 60 days after

  • 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 for 36 months

  • 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 amount may differ.



We will switch your current account in 7 working days.

Day 1
  • Select a switch date - up to 60 days in advance

  • Provide us with your old account sort code, account number and debit card details

  • Let us know if you’d like to receive progress updates by text, email or letter

Day 2-6
  • We'll set up your Direct Debits, standing orders and bill payments on your new account

  • We'll arrange for your regular credits to be paid into your new Santander account

  • You'll receive your new cards and PINs.

  • You'll also receive your Online and Telephone Banking registration details if you requested them

Day 7 - Switch Date
  • Your old account closes automatically

  • We'll confirm that your switch has completed

  • Any credit balance in your old account will be transferred to your new Santander account

Day 8
  • Any payments switched from your old account will start coming out of your Santander account. Please make sure you have money in your new account to cover them

  • We'll automatically redirect any payments made to, or attempted to be taken from, your old account to your new Santander account for the next 36 months


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 hassle-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.

  • For 36 months, 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 hassle free and can be completed in just 7 working days.

If you don't already hold a Santander Current Account, you can apply online, in branch or by calling us on 0800 068 6069. 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 or call us on 0800 068 6069.

Lines are open 8am to 7pm Monday to Friday and 9am to 2pm Saturdays.
View call charges

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 select and agree a date with your new bank or building society and the process will start six working days before that date (Working days are Monday to Friday excluding bank and public holidays.)

  • The Current Account Switch Service will redirect payments to your new account for up to 36 months from your switch date.

  • The Current Account Switch Service is backed by the Current Account Switch Guarantee. This guarantees that any charges or interest incurred on your old or new account, as a result of a failure in the switching process will be refunded when you bring this to your new bank or building society’s attention.

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

  • Yes, and your new bank or building society may be able to provide facilities to help you pay off any overdraft, subject to their normal lending criteria. If this isn’t the case you must make separate arrangements to repay your old bank or building society what you owe.

  • You can cancel your switch up to seven working days before your switch date. After that only certain elements can be cancelled. If you’re switching to us, we’ll guide you through this process if you choose to do this.

  • 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.

  • High Street banks and building societies and Internet and Telephone banks that display the 'Current Account Switch Guarantee’ Trustmark will offer the Current Account Switch Service. You can find a list of participating organisations at

  • The Current Account Switch Service is for current accounts only. If you would like to switch other account types, such as a savings account, you will need to ask your new bank or building society if they are able to help you do this.

  • The Current Account Switch Service should not interfere with this process and any debit card transactions that you have asked your bank to stop should remain so after your switch.

  • You may be able to transfer your payments to your new bank without redirecting payments from your old account, and you should discuss this requirement with your new bank.

  • You will receive any positive balance on Day 7 (your switch completion date). Please be aware that the transfer will take place between 6am and 12pm, so there may be a short amount of time when you may not have funds available to you (unless of course, you have already paid in some money directly into your new Santander current account). The short delay is due to the fact that your funds will leave your old account and transfer to your new one (via Faster Payment) ; but after 12pm at the latest, your money will be cleared and available to use from your Santander current account.

  • If you wish to cancel your switch, our dedicated switcher team will explain the options available to you depending on what stage your switch is currently at:

    • Before Day 1 and up to seven working days before your switch date - we can stop your switch before it has started.

    • Day 1 to Day 6 - your switch must still complete and your old account will close. We will cancel all redirection of your payments in and out from your switch date.

    • Day 7 onwards - your switch will have already completed including any balance transfer. We will cancel all further redirection of your payments in and out of your new Santander account. This means if you wish to switch to another current account provider, you will need to instruct them to switch your Santander account to them.

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