Get £130 cashback when you switch your current account to us

Ant and Dec with their arms crossed

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 email. 
  • 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.
  • After the fee-free period, arranged overdraft interest may apply, depending on your account.

You can also choose to switch to Santander from a bank or building Current account switching logosociety that is not a participant in the Current Account Switch Service free of charge. For more information please read our Current account Switch Guarantee

Switching your overdraft

Current accounts that include an overdraft can switch to us using the Current Account Switch Service. If you’d like to have an overdraft with your new Santander bank account, speak to us before starting your switch. We'll be able to advise if you’re eligible for an overdraft, which is dependant on our lending criteria and your credit status

For new and existing customers

Get £130 cashback when you switch a current account you hold elsewhere to one of our selected current accounts, using the Current Account Switch Service.  

To qualify for the offer, within 60 days of telling us to switch your account, you’ll need to: 

  • have successfully completed the switch, which includes closing the account not held with us
  • set up at least 2 active Direct Debits
  • pay in £1,000, and 
  • log on to Online or Mobile Banking.  

Take a look at the terms and conditions (40 KB)

To apply

You’ll get £130 cashback for switching to one of our eligible current accounts:

1|2|3 Current Account
1|2|3 Lite Current Account
Everyday Current Account
Select Current Account
Private Current Account

If you're a new customer, you'll need to do the following to start the switch. 

  • First, decide which account you want to apply for from the ones listed above and click on the link to visit the page. 
  • On the page, click 'Apply' to start the online application process. 
  • In your online application, choose the option to switch your account. 

Remember, you’ll need to meet the eligibility for the account you’re applying for, and meet the switcher offer terms to qualify for the extra £130 cashback.

Already have an eligible current account with us? You can switch a current account you hold elsewhere to your existing Santander one to benefit from this offer. Simply visit your local branch You may need to book an appointment. 

Cashback payment

60 days after you tell us to switch your account, we’ll check to make sure you are eligible and then pay £130 cashback into your qualifying account within the next 30 days. So you can expect payment around 90 days after you tell us to switch your account, as long as you’ve met the eligibility criteria.  

If the qualifying account is held in joint names and you’re eligible for the cashback payment, then we’ll make one payment only (you won’t get one payment each). 

We reserve the right to not make any cashback payment where we suspect or are made aware that the switcher offer is being abused. For example by closing an existing current account in order to switch back to us to receive the cashback payment.

If you’ve asked to switch during the offer and we then withdraw the offer before your switch completes, you’ll still be eligible for the cashback as long as you meet the eligibility criteria. 

If you think you’ve met eligibility criteria and haven’t received your £130 cashback after the 90 days, you can contact us by logging on to Online or Mobile Banking, click on ‘chat with us’ and let us know that you’ve not received your cashback.

Existing customers not switching a current account held elsewhere aren’t eligible for £130 cashback because this is a switcher offer. As you already have your current account with us, you could already be benefitting from ongoing cashback on selected household bills. If your Santander current account doesn’t give you cashback, see how much you could earn with our 1|2|3 current accounts 

Not all banks are part of the Current Account Switching Service (CASS). Speak to your own bank or visit the CASS website for details.

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.

Switching and Third Party Provider (TPP) services
If you’re using any services provided by TPPs on the current account you’re switching over to us then this access will not be switched to your new account. 

They might include services like aggregation (the ability to see your accounts from more than one provider in one place), money management or other services where you’re providing permission for a third party company to have access to information, or carry out payments on your behalf. Our terms and conditions provide more information about TPPs permissions.

There’s a couple of simple things you’ll need to do to move these services over to your new account. 

  1. If you don’t know which TPP’s are accessing your account then before you close your old account, check which permissions are active. 
  2. When your new account is open you’ll need to set up access to your new account with your TPP.

There are some types of accounts that can’t be used with TPP’s. Current accounts that you can use online will be included. 

Learn more about

Current account switching logo

We offer a simple, reliable and stress-free way to switch your current account to a new or existing Santander account.

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. 
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For details and how to apply for the cashback offer, see the ‘£130 cashback when you switch’ section above.

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

Switch to one of the following accounts

Everyday Current Account

1|2|3 Current Account

1|2|3 Lite Current Account

Changing your existing Santander account
If you already have an account with us it’s easy to change to a different one. You can compare our accounts, then go to the page for the account you want to change to and choose ‘Change my existing account’ then follow the instructions. (This isn’t part of the Current Account Switch Service). 

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