• Our dedicated switcher team will switch all of your Direct Debits, standing orders and your salary
  • You can either switch into a new account, or one you’ve already got with us
  • 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
Defaqto 2017 Current Account Switching

Our Switcher Service is 5 Star rated by Defaqto, an independent financial research company.

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.

Here's how easy it is to switch your current account to us 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)

On your chosen switch start date, 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.

Completion (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.

Our dedicated switcher team is on hand to help at any stage during your switch. You can contact the team on 0800 068 6069 FREE. Lines are open Monday to Friday 8am to 7pm and Saturday 9am to 2pm.

Switch to one of the following accounts

1|2|3 Current Account

1|2|3 Lite Current Account

Everyday Current Account

To find out more about our other current accounts, take a look at our full range

Current Account Switch Guarantee

We've 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 7 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'll 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'll transfer it to your new account on your switch date.
  • We'll arrange for payments accidentally made to your old account to be automatically redirected to your new account. We'll also contact whoever made the payment and give them your new account details.
  • If there are any issues in making the switch, we'll contact you before your switch date.
  • If anything goes wrong with the switch, as soon as we're told, we'll refund any interest (paid or lost) and charges made on either your old or new current accounts as a result of this failure.

Important information

Before starting your switch, you’ll need to provide us with:

  • your old account number and sort code,

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

You can provide this information as part of your current account application.

We can't switch your current account if you have a joint account with your old bank and your new Santander account is a single account. For more information on how joint accounts work, please see the General Terms and Conditions or the product specific Key Facts Document.

It’s important that the details you give us are the same as the ones held at your old bank, so if you need to update names or addresses for example on your old account, please do this before you start your switch.

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.