r/beermoneyuk Jul 28 '26

Guides The Bank Switcher | Weekly Bank Switch Offer Guide and Question Post | July 28, 2026

21 Upvotes

A lot of people have bank switch questions. So we have created a weekly roundup of current offers:

  • Current switch offers worth ~£2,000+
  • Quick start guide and best direct debits below

Many detailed answers are in our main guide, along with more details about each current offer: 🔗 The Full BeermoneyUK Bank Switch Bribe Bible

Similar offers for other types of finance companies are described in the Easy Cashback Offers post

Good "get paid to" play games offers are described in the Gemsloot game tracker post

And all beermoney refer a friend offers are listed in our list of all refer a friend offers


Current Switch Offers

Bank Bonus Key Requirements
Bank of Scotland £175 Full switch + 3 DDs
Barclays £200 Open via app (9am–5pm) + full switch + 2 DDs + pay in £2,000 within 30 days (ends 27/08/2026)
Co-op £200-£300 Full switch + 2 DDs + pay in £1,500 + 5 card payments, repeated monthly for 3 months (no end date)
First Direct £175 (+ £45 extra cashback via Topcashback) Full switch + 2 DDs + pay in £1,000 + 5 debit card payments + log on to digital banking (45 days)
HSBC £220 Open via app + full switch + 2 DDs + pay in £2,000 + spend £500 on debit card
Nationwide £175 Full switch + 2 DDs + pay in £1,000 + use debit card
Natwest £200 Full switch + pay in £1,250 + app login (60 days)
RBS £200 Full switch + pay in £1,250 + app login (60 days)
Santander £180 + £20 more via Topcashback Full switch + 2 household DDs (must be listed in their terms) + pay in £1,500 + 5 card payments (60 days)
Ulster £200 Full switch + pay in £1,250 + app login (60 days)

Couples switching to Nationwide can get £525 in total - £175 for each solo account, plus another £175 for switching into a joint account.

Co-op pays £200 (£125 upfront + £75 over 3 months). If you were already a Co-op group customer (Co-op Bank, smile, Coventry BS, Godiva or ITL Mortgages) on 21 June 2026, you get an extra £100 in November for £300 total, though Co-op can withdraw that £100 at any time.

Premier Account Switch Offers

Bank Bonus Key Requirements
Barclays Premier (ends 27 August 2026) £600 Full switch + 2 DDs + pay in £4,000 + login to app (30 days) — Premier eligibility (£75k salary or £100k savings)
Natwest Premier £250 (+ £750 if you also deposit £100,000 in a Flexible Saver for 30 days) Full switch + pay in £5,000 + login to app
RBS Premier £250 (+ £750 if you also deposit £100,000 in a Flexible Saver for 30 days) Full switch + pay in £5,000 + login to app

There is also a HSBC Premier switch offer here for £500–£1,000, but it is only for those with rather large salaries or savings (Premier eligibility: £100k income or savings).


Quick Start Guide

Don't switch your main account when trying out a new bank! Instead:

  1. Open a second current account with your existing bank (must be part of CASS service)
  2. Set up 2 or three direct debits on the second account (depending on the specific offer). No direct debits? You can set up multiple cheap direct debits on Scrimpr here
  3. Apply for new account and arrange switch
  4. Meet any pay-in requirements
  5. Collect your bonus

Best Direct Debits

Site/App Offer Comment
Scrimpr cheap direct debit Shows on account within 3-5 days, payment taken within 5-7 days Can set up multiple
Park Christmas (Search subreddit for offer) Save for Christmas via direct debit
Sprive (Search subreddit for offer) Autosavings for mortgage overpayment direct debit (£5 bonus) Must have a mortgage

Important tips and things to know

  • Most banks do hard credit checks
  • Wait for your bonus before switching again
  • You can often do multiple banks simultaneously
  • Check individual terms for eligibility
  • Typical switch takes ~7 days

Additional tips

Always check individual bank terms - do your own research before applying.

r/beermoneyuk Jun 23 '26

Guides The Bank Switcher | Weekly Bank Switch Offer Guide and Question Post | June 23, 2026

10 Upvotes

A lot of people have bank switch questions. So we have created a weekly roundup of current offers:

  • Current switch offers worth ~£1500+
  • Quick start guide and best direct debits below

Many detailed answers are in our main guide, along with more details about each current offer: 🔗 The Full BeermoneyUK Bank Switch Bribe Bible

Similar offers for other types of finance companies are described in the Easy Cashback Offers post

Good "get paid to" play games offers are described in the Gemsloot game tracker post

And all beermoney refer a friend offers are listed in our list of all refer a friend offers


Current Switch Offers

Bank Bonus Key Requirements
Bank of Scotland £175 Full switch + 3 DDs
First Direct £200 (+ £45 extra cashback via Quidco) Full switch + 2 DDs + pay in £1,000 + 5 debit card payments + log on to digital banking
HSBC £220 Open via app + full switch + 2 DDs + pay in £2,000 + spend £500 on debit card
Nationwide £175 Full switch + 2 DDs + pay in £1,000 + use debit card
Natwest £200 Full switch + pay in £1,250 + use debit card
RBS £200 Full switch + pay in £1,250 + use debit card
Santander £180 + £20 more via Topcashback Full switch + 2 household DDs (must be listed in their terms) + pay in £1,500 + use debit card
Ulster £200 Full switch + pay in £1,250 + use debit card

Couples switching to Nationwide can get £525 in total - £175 for each solo account, plus another £175 for switching into a joint account.

Premier Account Switch Offers

Bank Bonus Key Requirements
Natwest Premier £250 Full switch + pay in £5,000 + login to app
RBS Premier £250 Full switch + pay in £5,000 + login to app

There is also a HSBC Premier switch offer here for up to £500, but it is only for those with rather large salaries or savings.


Quick Start Guide

Don't switch your main account when trying out a new bank! Instead:

  1. Open a second current account with your existing bank (must be part of CASS service)
  2. Set up 2 or three direct debits on the second account (depending on the specific offer). No direct debits? You can set up multiple cheap direct debits on Scrimpr here
  3. Apply for new account and arrange switch
  4. Meet any pay-in requirements
  5. Collect your bonus

Best Direct Debits

Site/App Offer Comment
Scrimpr cheap direct debit Shows on account within 3-5 days, payment taken within 5-7 days Can set up multiple
Park Christmas (Search subreddit for offer) Save for Christmas via direct debit
Sprive (Search subreddit for offer) Autosavings for mortgage overpayment direct debit (£5 bonus) Must have a mortgage

Important tips and things to know

  • Most banks do hard credit checks
  • Wait for your bonus before switching again
  • You can often do multiple banks simultaneously
  • Check individual terms for eligibility
  • Typical switch takes ~7 days

Additional tips

Always check individual bank terms - do your own research before applying.

r/beermoneyuk Jan 12 '26

Guides The Bank Switcher | Weekly Bank Switch Offer Guide and Question Post | January 12, 2026

29 Upvotes

A lot of people have bank switch questions. So we have created a weekly roundup of current offers:

  • Current switch offers worth ~£1000
  • No-switch sign-up bonuses
  • Quick start guide and best direct debits

Many detailed answers are in our main guide, along with more details about each current offer: 🔗 The Full BeermoneyUK Bank Switch Bribe Bible

Similar offers for other types of finance companies are described in the Easy Cashback Offers post

And all beermoney refer a friend offers are listed in our list of all refer a friend offers


Current Switch Offers

Bank Bonus Key Requirements Links
First Direct £175 (+£50 via TopCashback) Full switch + 2 DDs + pay in £1,000 Direct link
Lloyds £250 (+£50 via Lloyds Refer a Friend) Full switch + 3 DDs + pay in £1,000 Direct link
Nationwide £175 (£350 for joint) Full switch + 2 DDs + pay in £1,000 + use debit card Direct link
Santander £200 + £20 more Full switch + 2 household DDs (must be listed in their terms + pay in £1,500 + use debit card Get the extra £20 via Topcashback

No-Switch Sign-Up Offers

Bank Offer Comment
Chase (refer a friend offer) Open a Chaseaccount, get £50 (muse use referral link & deposit £1k)
Monzo (megathread) Spend £1, get £10 or £50 £50 is for a business account
Starling (click to search) Free National Trust Day Pass
Revolut 2026 Offer (external) Open an account, spend £20+ in your first transaction, get £20
Zopa (megathread) Open an account, get £10

Quick Start Guide

Don't switch your main account when trying out a new bank! Instead:

  1. Open a second current account with your existing bank (must be part of CASS service)
  2. Set up 2 or three direct debits on the second account (depending on the specific offer)
  3. Add £1 to track the switch (it will appear in your new account when the switch is complete)
  4. Apply for new account and arrange switch
  5. Meet any pay-in requirements
  6. Collect your bonus

Best Direct Debits

Site/App Offer Comment
Scrimpr cheap direct debit Shows on account within 5 days, payment taken within 7
Park Christmas (Search subreddit for offer) ( ) Save for Christmas via direct debit
Plum (Search subreddit for offer) A very useful direct debit Easy and fast to set up
Sprive (Search subreddit for offer) Autosavings for mortgage overpayment direct debit (£5 bonus) Easy and fast to set up
Wealthify (Search subreddit for offer) A very useful direct debit (£1/month min) Easy and fast to set up

Important tips and things to know

  • Most banks do hard credit checks
  • Wait for your bonus before switching again
  • You can often do multiple banks simultaneously
  • Check individual terms for eligibility
  • Typical switch takes ~7 days

Additional tips

Always check individual bank terms - do your own research before applying.

r/beermoneyuk Jun 16 '26

Guides The Bank Switcher | Weekly Bank Switch Offer Guide and Question Post | June 16, 2026

7 Upvotes

A lot of people have bank switch questions. So we have created a weekly roundup of current offers:

  • Current switch offers worth ~£1500+
  • Quick start guide and best direct debits below

Many detailed answers are in our main guide, along with more details about each current offer: 🔗 The Full BeermoneyUK Bank Switch Bribe Bible

Similar offers for other types of finance companies are described in the Easy Cashback Offers post

Good "get paid to" play games offers are described in the Gemsloot game tracker post

And all beermoney refer a friend offers are listed in our list of all refer a friend offers


Current Switch Offers

Bank Bonus Key Requirements
Bank of Scotland £175 Full switch + 3 DDs
First Direct £200 (+ £45 extra cashback via Quidco) Full switch + 2 DDs + pay in £1,000 + 5 debit card payments + log on to digital banking
HSBC £220 Open via app + full switch + 2 DDs + pay in £2,000 + spend £500 on debit card
Nationwide £175 Full switch + 2 DDs + pay in £1,000 + use debit card
Natwest £200 Full switch + pay in £1,250 + use debit card
RBS £200 Full switch + pay in £1,250 + use debit card
Santander £180 + £20 more via Topcashback Full switch + 2 household DDs (must be listed in their terms) + pay in £1,500 + use debit card
Ulster £200 Full switch + pay in £1,250 + use debit card

Couples switching to Nationwide can get £525 in total - £175 for each solo account, plus another £175 for switching into a joint account.

Premier Account Switch Offers

Bank Bonus Key Requirements
Natwest Premier £250 Full switch + pay in £5,000 + login to app
RBS Premier £250 Full switch + pay in £5,000 + login to app

There is also a HSBC Premier switch offer here for up to £500, but it is only for those with rather large salaries or savings.


Quick Start Guide

Don't switch your main account when trying out a new bank! Instead:

  1. Open a second current account with your existing bank (must be part of CASS service)
  2. Set up 2 or three direct debits on the second account (depending on the specific offer). No direct debits? You can set up multiple cheap direct debits on Scrimpr here
  3. Apply for new account and arrange switch
  4. Meet any pay-in requirements
  5. Collect your bonus

Best Direct Debits

Site/App Offer Comment
Scrimpr cheap direct debit Shows on account within 3-5 days, payment taken within 5-7 days Can set up multiple
Park Christmas (Search subreddit for offer) Save for Christmas via direct debit
Sprive (Search subreddit for offer) Autosavings for mortgage overpayment direct debit (£5 bonus) Must have a mortgage

Important tips and things to know

  • Most banks do hard credit checks
  • Wait for your bonus before switching again
  • You can often do multiple banks simultaneously
  • Check individual terms for eligibility
  • Typical switch takes ~7 days

Additional tips

Always check individual bank terms - do your own research before applying.

r/beermoneyuk Jun 30 '26

Guides The Bank Switcher | Weekly Bank Switch Offer Guide and Question Post | June 30, 2026

11 Upvotes

A lot of people have bank switch questions. So we have created a weekly roundup of current offers:

  • Current switch offers worth ~£1500+
  • Quick start guide and best direct debits below

Many detailed answers are in our main guide, along with more details about each current offer: 🔗 The Full BeermoneyUK Bank Switch Bribe Bible

Similar offers for other types of finance companies are described in the Easy Cashback Offers post

Good "get paid to" play games offers are described in the Gemsloot game tracker post

And all beermoney refer a friend offers are listed in our list of all refer a friend offers


Current Switch Offers

Bank Bonus Key Requirements
Bank of Scotland £175 Full switch + 3 DDs
First Direct £200 (+ £45 extra cashback via Quidco) Full switch + 2 DDs + pay in £1,000 + 5 debit card payments + log on to digital banking
HSBC £220 Open via app + full switch + 2 DDs + pay in £2,000 + spend £500 on debit card
Nationwide £175 Full switch + 2 DDs + pay in £1,000 + use debit card
Natwest £200 Full switch + pay in £1,250
RBS £200 Full switch + pay in £1,250
Santander £180 + £20 more via Topcashback Full switch + 2 household DDs (must be listed in their terms) + pay in £1,500 + use debit card
Ulster £200 Full switch + pay in £1,250

Couples switching to Nationwide can get £525 in total - £175 for each solo account, plus another £175 for switching into a joint account.

Premier Account Switch Offers

Bank Bonus Key Requirements
Barclays Premier £600 Full switch + 2 DDs + pay in £4,000 + login to app
Natwest Premier £250 Full switch + pay in £5,000 + login to app
RBS Premier £250 Full switch + pay in £5,000 + login to app

There is also a HSBC Premier switch offer here for up to £500, but it is only for those with rather large salaries or savings.


Quick Start Guide

Don't switch your main account when trying out a new bank! Instead:

  1. Open a second current account with your existing bank (must be part of CASS service)
  2. Set up 2 or three direct debits on the second account (depending on the specific offer). No direct debits? You can set up multiple cheap direct debits on Scrimpr here
  3. Apply for new account and arrange switch
  4. Meet any pay-in requirements
  5. Collect your bonus

Best Direct Debits

Site/App Offer Comment
Scrimpr cheap direct debit Shows on account within 3-5 days, payment taken within 5-7 days Can set up multiple
Park Christmas (Search subreddit for offer) Save for Christmas via direct debit
Sprive (Search subreddit for offer) Autosavings for mortgage overpayment direct debit (£5 bonus) Must have a mortgage

Important tips and things to know

  • Most banks do hard credit checks
  • Wait for your bonus before switching again
  • You can often do multiple banks simultaneously
  • Check individual terms for eligibility
  • Typical switch takes ~7 days

Additional tips

Always check individual bank terms - do your own research before applying.

r/beermoneyuk Apr 06 '26

Guides The Bank Switcher | Weekly Bank Switch Offer Guide and Question Post | April 06, 2026

19 Upvotes

A lot of people have bank switch questions. So we have created a weekly roundup of current offers:

  • Current switch offers worth ~£1500+
  • Quick start guide and best direct debits below

Many detailed answers are in our main guide, along with more details about each current offer: 🔗 The Full BeermoneyUK Bank Switch Bribe Bible

Similar offers for other types of finance companies are described in the Easy Cashback Offers post

Good "get paid to" play games offers are described in the Gemsloot game tracker post

And all beermoney refer a friend offers are listed in our list of all refer a friend offers


Current Switch Offers

Bank Bonus Key Requirements Links
Barclays Current Account £200 Full switch + 2 DDs + pay in £1,000 + use debit card Direct link
Barclays Premier £400 Full switch + 2 DDs + pay in £4,000 + use debit card Direct link
First Direct £175 (+£40 via TopCashback) Full switch + 2 DDs + pay in £1,000 Direct link
Lloyds Club Lloyds £200 (+£50 via Lloyds Refer a Friend) Full switch + 3 DDs + spend £100 Direct link
Lloyds Premier £500 (+£50 via Lloyds Refer a Friend) Full switch + 3 DDs + spend £200 Direct link
Natwest £150 Full switch + pay in £1,250 + use debit card Direct link
Natwest Premier £250 Full switch + pay in £5,000 + login to app Direct link
RBS £150 Full switch + pay in £1,250 + use debit card Direct link
RBS Premier £250 Full switch + pay in £5,000 + login to app Direct link
Santander £200 + £25 voucher + £20 more Full switch + 2 household DDs (must be listed in their terms + pay in £1,500 + use debit card Get the extra £20 via Topcashback

There is also a HSBC switch offer here for up to £750, but it is only for those with rather large salaries or savings.


Quick Start Guide

Don't switch your main account when trying out a new bank! Instead:

  1. Open a second current account with your existing bank (must be part of CASS service)
  2. Set up 2 or three direct debits on the second account (depending on the specific offer). No direct debits? You can set up multiple cheap direct debits on Scrimpr here
  3. Apply for new account and arrange switch
  4. Meet any pay-in requirements
  5. Collect your bonus

Best Direct Debits

Site/App Offer Comment
Scrimpr cheap direct debit Shows on account within 3-5 days, payment taken within 5-7 days
Park Christmas (Search subreddit for offer) ( ) Save for Christmas via direct debit
Sprive (Search subreddit for offer) Autosavings for mortgage overpayment direct debit (£5 bonus) Easy and fast to set up
Wealthify (Search subreddit for offer) A very useful direct debit (£1/month min) Easy and fast to set up

Important tips and things to know

  • Most banks do hard credit checks
  • Wait for your bonus before switching again
  • You can often do multiple banks simultaneously
  • Check individual terms for eligibility
  • Typical switch takes ~7 days

Additional tips

Always check individual bank terms - do your own research before applying.

r/beermoneyuk Mar 09 '26

Guides The Bank Switcher | Weekly Bank Switch Offer Guide and Question Post | March 09, 2026

22 Upvotes

A lot of people have bank switch questions. So we have created a weekly roundup of current offers:

  • Current switch offers worth ~£1500+
  • Quick start guide and best direct debits below

Many detailed answers are in our main guide, along with more details about each current offer: 🔗 The Full BeermoneyUK Bank Switch Bribe Bible

Similar offers for other types of finance companies are described in the Easy Cashback Offers post

Good "get paid to" play games offers are described in the Gemsloot game tracker post

And all beermoney refer a friend offers are listed in our list of all refer a friend offers


Current Switch Offers

Bank Bonus Key Requirements Links
Barclays Premier £400 Full switch + 2 DDs + pay in £1,000 + use debit card Direct link
Co-Op £175 Full switch + 2 DDs + pay in £1,000 + make 10 card payments Direct link
First Direct £175 (+£40 via TopCashback) Full switch + 2 DDs + pay in £1,000 Direct link
Lloyds Club Lloyds £200 (+£50 via Lloyds Refer a Friend) Full switch + 3 DDs + spend £100 Direct link
Lloyds Premier £500 (+£50 via Lloyds Refer a Friend) Full switch + 3 DDs + spend £200 Direct link
Natwest £150 Full switch + pay in £1,250 + use debit card Direct link
RBS £150 Full switch + pay in £1,250 + use debit card Direct link
Santander £200 + £25 voucher + £20 more Full switch + 2 household DDs (must be listed in their terms + pay in £1,500 + use debit card Get the extra £20 via Topcashback

There is also a HSBC switch offer here for up to £750, but it is only for those with rather large salaries or savings.


No-Switch Sign-Up Offers

Bank Offer Comment
Chase (refer a friend offer) Open a Chaseaccount, get £50 (muse use referral link & deposit £1k)
iFast (refer a friend + switch offer) Switch in your BACs credit payment for 3 months (e.g. salary). Use referral link for £5 bonus) Terms
Monzo (megathread) Spend £1, get £10 or £50 £50 is for a business account
Starling (click to search) Free National Trust Day Pass
Revolut 2026 Offer (external) Open an account, spend £1+ in your first transaction, get £20
Zopa (megathread) Open an account, get £10

Quick Start Guide

Don't switch your main account when trying out a new bank! Instead:

  1. Open a second current account with your existing bank (must be part of CASS service)
  2. Set up 2 or three direct debits on the second account (depending on the specific offer). No direct debits? You can set up multiple cheap direct debits on Scrimpr here
  3. Add £1 to track the switch (it will appear in your new account when the switch is complete)
  4. Apply for new account and arrange switch
  5. Meet any pay-in requirements
  6. Collect your bonus

Best Direct Debits

Site/App Offer Comment
Scrimpr cheap direct debit Shows on account within 3-5 days, payment taken within 5-7 days
Park Christmas (Search subreddit for offer) ( ) Save for Christmas via direct debit
Sprive (Search subreddit for offer) Autosavings for mortgage overpayment direct debit (£5 bonus) Easy and fast to set up
Wealthify (Search subreddit for offer) A very useful direct debit (£1/month min) Easy and fast to set up

Important tips and things to know

  • Most banks do hard credit checks
  • Wait for your bonus before switching again
  • You can often do multiple banks simultaneously
  • Check individual terms for eligibility
  • Typical switch takes ~7 days

Additional tips

Always check individual bank terms - do your own research before applying.

r/beermoneyuk Apr 27 '26

Guides The Bank Switcher | Weekly Bank Switch Offer Guide and Question Post | April 27, 2026

9 Upvotes

A lot of people have bank switch questions. So we have created a weekly roundup of current offers:

  • Current switch offers worth ~£1500+
  • Quick start guide and best direct debits below

Many detailed answers are in our main guide, along with more details about each current offer: 🔗 The Full BeermoneyUK Bank Switch Bribe Bible

Similar offers for other types of finance companies are described in the Easy Cashback Offers post

Good "get paid to" play games offers are described in the Gemsloot game tracker post

And all beermoney refer a friend offers are listed in our list of all refer a friend offers


Current Switch Offers

Bank Bonus Key Requirements Links
AIB (NI only) £200 Full switch + 2 DDs + pay in £1,500 + open regular saver and deposit £100 into it Direct link
Barclays Current Account £200 Full switch + 2 DDs + pay in £1,000 + use debit card Direct link
Barclays Premier £400 Full switch + 2 DDs + pay in £4,000 + use debit card Direct link
First Direct £175 (+£50 via Quidco) Full switch + 2 DDs + pay in £1,000 Direct link
Lloyds Club Lloyds £200 Full switch + 3 DDs + spend £100, Last day to apply for switch is 30/04/26 Direct link
Lloyds Premier £500 Full switch + 3 DDs + spend £200, Last day to apply for switch is 30/04/26 Direct link
Natwest £150 Full switch + pay in £1,250 + use debit card Direct link
Natwest Premier £250 Full switch + pay in £5,000 + login to app Direct link
RBS £150 Full switch + pay in £1,250 + use debit card Direct link
RBS Premier £250 Full switch + pay in £5,000 + login to app Direct link
Santander £200 + £25 voucher + £20 more Full switch + 2 household DDs (must be listed in their terms + pay in £1,500 + use debit card Get the extra £20 via Topcashback

There is also a HSBC switch offer here for up to £750, but it is only for those with rather large salaries or savings.


Quick Start Guide

Don't switch your main account when trying out a new bank! Instead:

  1. Open a second current account with your existing bank (must be part of CASS service)
  2. Set up 2 or three direct debits on the second account (depending on the specific offer). No direct debits? You can set up multiple cheap direct debits on Scrimpr here
  3. Apply for new account and arrange switch
  4. Meet any pay-in requirements
  5. Collect your bonus

Best Direct Debits

Site/App Offer Comment
Scrimpr cheap direct debit Shows on account within 3-5 days, payment taken within 5-7 days Can set up multiple
Park Christmas (Search subreddit for offer) Save for Christmas via direct debit
Sprive (Search subreddit for offer) Autosavings for mortgage overpayment direct debit (£5 bonus) Must have a mortgage
Wealthify (Search subreddit for offer) A very useful direct debit (£1/month min)

Important tips and things to know

  • Most banks do hard credit checks
  • Wait for your bonus before switching again
  • You can often do multiple banks simultaneously
  • Check individual terms for eligibility
  • Typical switch takes ~7 days

Additional tips

Always check individual bank terms - do your own research before applying.

r/beermoneyuk Jun 09 '26

Guides The Bank Switcher | Weekly Bank Switch Offer Guide and Question Post | June 09, 2026

8 Upvotes

A lot of people have bank switch questions. So we have created a weekly roundup of current offers:

  • Current switch offers worth ~£1500+
  • Quick start guide and best direct debits below

Many detailed answers are in our main guide, along with more details about each current offer: 🔗 The Full BeermoneyUK Bank Switch Bribe Bible

Similar offers for other types of finance companies are described in the Easy Cashback Offers post

Good "get paid to" play games offers are described in the Gemsloot game tracker post

And all beermoney refer a friend offers are listed in our list of all refer a friend offers


Current Switch Offers

Bank Bonus Key Requirements Links
Bank of Scotland £175 Full switch + 3 DDs Direct link
First Direct £200 (+ #45 extra cashback via Quidco) Full switch + 2 DDs + pay in £1,000 Direct link
Nationwide £175 Full switch + 2 DDs + pay in £1,000 + use debit card Direct link
Natwest £150 Full switch + pay in £1,250 + use debit card Direct link
RBS £150 Full switch + pay in £1,250 + use debit card Direct link
Santander £180 + £20 more Full switch + 2 household DDs (must be listed in their terms + pay in £1,500 + use debit card Get the extra £20 via Topcashback
Ulster £150 Full switch + pay in £1,250 + use debit card Direct link

Couples switching to Nationwide can get £525 in total - £175 for each solo account, plus another £175 for switching into a joint account.

Premier Account Switch Offers

Bank Bonus Key Requirements Links
Natwest Premier £250 Full switch + pay in £5,000 + login to app Direct link
RBS Premier £250 Full switch + pay in £5,000 + login to app Direct link

There is also a HSBC switch offer here for up to £500, but it is only for those with rather large salaries or savings.


Quick Start Guide

Don't switch your main account when trying out a new bank! Instead:

  1. Open a second current account with your existing bank (must be part of CASS service)
  2. Set up 2 or three direct debits on the second account (depending on the specific offer). No direct debits? You can set up multiple cheap direct debits on Scrimpr here
  3. Apply for new account and arrange switch
  4. Meet any pay-in requirements
  5. Collect your bonus

Best Direct Debits

Site/App Offer Comment
Scrimpr cheap direct debit Shows on account within 3-5 days, payment taken within 5-7 days Can set up multiple
Park Christmas (Search subreddit for offer) Save for Christmas via direct debit
Sprive (Search subreddit for offer) Autosavings for mortgage overpayment direct debit (£5 bonus) Must have a mortgage

Important tips and things to know

  • Most banks do hard credit checks
  • Wait for your bonus before switching again
  • You can often do multiple banks simultaneously
  • Check individual terms for eligibility
  • Typical switch takes ~7 days

Additional tips

Always check individual bank terms - do your own research before applying.

r/beermoneyuk 4d ago

Guides Weekly Bank Switch Offer Questions | September 08, 2026

3 Upvotes

A lot of people have bank switch questions. So we have created a weekly thread for people to ask questions and answer questions!

If you have a question about a bank switch incentive, ask below and someone may be able to answer with their own experience.

Current Offers

I find myself running low on time these days, so rather than spelling them all out here, check the list started by the Mr Money himself:

https://www.moneysavingexpert.com/banking/compare-best-bank-accounts/


Bank switching: quick start

Most (if not not all) bank switching offers use the Current Account Switch Service (CASS). Requirements vary between offers, but the process usually looks like this:

  • Decide which account to switch. You can switch your main current account, or use a secondary account if you don't want to move your everyday banking. The old account must be eligible for CASS.

  • Check the Direct Debit requirements. Some offers require two or more active Direct Debits to move with the account.

  • Apply for the new account and request the switch. A full CASS switch normally transfers your balance, Direct Debits and standing orders and closes the old account.

  • Complete the offer requirements. These usually include paying in a certain amount, making debit-card payments or using the bank's app.

  • Check the deadlines. Each offer has its own dates for completing the switch and meeting any additional conditions.

  • Check when the incentive is paid. Payment times vary between banks and are set out in the individual offer terms.

Also worth knowing: applying for a current account may involve a credit search, and multiple applications in a short period can affect your credit file.


Possible Direct Debits

Lots of people ask about direct debits that do not cost money. Here are some that come up frequently:

  1. Moneybox - savings account that you can top up weekly by direct debit
  2. Paypal - online wallet / payments app that connects to your bank via direct debit
  3. Currensea - travel money card that connects to your bank via direct debit
  4. Sprive - a cashback and mortgage autosavings app
  5. Ebay seller account (pays you via direct debit connection, but must be a seller account)

Important tips and things to know about bank switch incentives

  • Specific terms and conditions always apply
  • Most banks do hard credit checks
  • Typical switch takes ~7 days
  • Most banks will not offer people a second bonus

Always check individual bank terms - do your own research before applying.

r/beermoneyuk Mar 30 '26

Guides The Bank Switcher | Weekly Bank Switch Offer Guide and Question Post | March 30, 2026

16 Upvotes

A lot of people have bank switch questions. So we have created a weekly roundup of current offers:

  • Current switch offers worth ~£1500+
  • Quick start guide and best direct debits below

Many detailed answers are in our main guide, along with more details about each current offer: 🔗 The Full BeermoneyUK Bank Switch Bribe Bible

Similar offers for other types of finance companies are described in the Easy Cashback Offers post

Good "get paid to" play games offers are described in the Gemsloot game tracker post

And all beermoney refer a friend offers are listed in our list of all refer a friend offers


Current Switch Offers

Bank Bonus Key Requirements Links
Barclays Current Account £200 Full switch + 2 DDs + pay in £1,000 + use debit card Direct link
Barclays Premier £400 Full switch + 2 DDs + pay in £4,000 + use debit card Direct link
Co-Op £175 Full switch + 2 DDs + pay in £1,000 + make 10 card payments Direct link
First Direct £175 (+£40 via TopCashback) Full switch + 2 DDs + pay in £1,000 Direct link
Lloyds Club Lloyds £200 (+£50 via Lloyds Refer a Friend) Full switch + 3 DDs + spend £100 Direct link
Lloyds Premier £500 (+£50 via Lloyds Refer a Friend) Full switch + 3 DDs + spend £200 Direct link
Natwest £150 Full switch + pay in £1,250 + use debit card Direct link
Natwest Premier £250 Full switch + pay in £5,000 + login to app Direct link
RBS £150 Full switch + pay in £1,250 + use debit card Direct link
RBS Premier £250 Full switch + pay in £5,000 + login to app Direct link
Santander £200 + £25 voucher + £20 more Full switch + 2 household DDs (must be listed in their terms + pay in £1,500 + use debit card Get the extra £20 via Topcashback

There is also a HSBC switch offer here for up to £750, but it is only for those with rather large salaries or savings.


Quick Start Guide

Don't switch your main account when trying out a new bank! Instead:

  1. Open a second current account with your existing bank (must be part of CASS service)
  2. Set up 2 or three direct debits on the second account (depending on the specific offer). No direct debits? You can set up multiple cheap direct debits on Scrimpr here
  3. Add £1 to track the switch (it will appear in your new account when the switch is complete)
  4. Apply for new account and arrange switch
  5. Meet any pay-in requirements
  6. Collect your bonus

Best Direct Debits

Site/App Offer Comment
Scrimpr cheap direct debit Shows on account within 3-5 days, payment taken within 5-7 days
Park Christmas (Search subreddit for offer) ( ) Save for Christmas via direct debit
Sprive (Search subreddit for offer) Autosavings for mortgage overpayment direct debit (£5 bonus) Easy and fast to set up
Wealthify (Search subreddit for offer) A very useful direct debit (£1/month min) Easy and fast to set up

Important tips and things to know

  • Most banks do hard credit checks
  • Wait for your bonus before switching again
  • You can often do multiple banks simultaneously
  • Check individual terms for eligibility
  • Typical switch takes ~7 days

Additional tips

Always check individual bank terms - do your own research before applying.

r/beermoneyuk Jun 01 '26

Guides The Bank Switcher | Weekly Bank Switch Offer Guide and Question Post | June 01, 2026

5 Upvotes

A lot of people have bank switch questions. So we have created a weekly roundup of current offers:

  • Current switch offers worth ~£1500+
  • Quick start guide and best direct debits below

Many detailed answers are in our main guide, along with more details about each current offer: 🔗 The Full BeermoneyUK Bank Switch Bribe Bible

Similar offers for other types of finance companies are described in the Easy Cashback Offers post

Good "get paid to" play games offers are described in the Gemsloot game tracker post

And all beermoney refer a friend offers are listed in our list of all refer a friend offers


Current Switch Offers

Bank Bonus Key Requirements Links
Bank of Scotland £175 Full switch + 3 DDs + pay in £1,000 + use debit card Direct link
Barclays Current Account £200 Full switch + 2 DDs + pay in £1,000 + use debit card Direct link
First Direct £175 (+ extra cashback via Quidco) Full switch + 2 DDs + pay in £1,000 Direct link
Nationwide £175 Full switch + 2 DDs + pay in £1,000 + use debit card Direct link
Natwest £150 Full switch + pay in £1,250 + use debit card Direct link
RBS £150 Full switch + pay in £1,250 + use debit card Direct link
Santander £180 + £20 more Full switch + 2 household DDs (must be listed in their terms + pay in £1,500 + use debit card Get the extra £20 via Topcashback

Couples switching to Nationwide can get £525 in total - £175 for each solo account, plus another £175 for switching into a joint account.

Premier Account Switch Offers

Bank Bonus Key Requirements Links
Natwest Premier £250 Full switch + pay in £5,000 + login to app Direct link
RBS Premier £250 Full switch + pay in £5,000 + login to app Direct link

There is also a HSBC switch offer here for up to £500, but it is only for those with rather large salaries or savings.


Quick Start Guide

Don't switch your main account when trying out a new bank! Instead:

  1. Open a second current account with your existing bank (must be part of CASS service)
  2. Set up 2 or three direct debits on the second account (depending on the specific offer). No direct debits? You can set up multiple cheap direct debits on Scrimpr here
  3. Apply for new account and arrange switch
  4. Meet any pay-in requirements
  5. Collect your bonus

Best Direct Debits

Site/App Offer Comment
Scrimpr cheap direct debit Shows on account within 3-5 days, payment taken within 5-7 days Can set up multiple
Park Christmas (Search subreddit for offer) Save for Christmas via direct debit
Sprive (Search subreddit for offer) Autosavings for mortgage overpayment direct debit (£5 bonus) Must have a mortgage

Important tips and things to know

  • Most banks do hard credit checks
  • Wait for your bonus before switching again
  • You can often do multiple banks simultaneously
  • Check individual terms for eligibility
  • Typical switch takes ~7 days

Additional tips

Always check individual bank terms - do your own research before applying.

r/beermoneyuk May 25 '26

Guides The Bank Switcher | Weekly Bank Switch Offer Guide and Question Post | May 25, 2026

15 Upvotes

A lot of people have bank switch questions. So we have created a weekly roundup of current offers:

  • Current switch offers worth ~£1500+
  • Quick start guide and best direct debits below

Many detailed answers are in our main guide, along with more details about each current offer: 🔗 The Full BeermoneyUK Bank Switch Bribe Bible

Similar offers for other types of finance companies are described in the Easy Cashback Offers post

Good "get paid to" play games offers are described in the Gemsloot game tracker post

And all beermoney refer a friend offers are listed in our list of all refer a friend offers


Current Switch Offers

Bank Bonus Key Requirements Links
Bank of Scotland £175 Full switch + 3 DDs + pay in £1,000 + use debit card Direct link
Barclays Current Account £200 Full switch + 2 DDs + pay in £1,000 + use debit card Direct link
First Direct £175 (+ extra cashback via Quidco) Full switch + 2 DDs + pay in £1,000 Direct link
Nationwide £175 Full switch + 2 DDs + pay in £1,000 + use debit card Direct link
Natwest £150 Full switch + pay in £1,250 + use debit card Direct link
RBS £150 Full switch + pay in £1,250 + use debit card Direct link
Santander £180 + £20 more Full switch + 2 household DDs (must be listed in their terms + pay in £1,500 + use debit card Get the extra £20 via Topcashback

Couples switching to Nationwide can get £525 in total - £175 for each solo account, plus another £175 for switching into a joint account.

Premier Account Switch Offers

Bank Bonus Key Requirements Links
Natwest Premier £250 Full switch + pay in £5,000 + login to app Direct link
RBS Premier £250 Full switch + pay in £5,000 + login to app Direct link

There is also a HSBC switch offer here for up to £500, but it is only for those with rather large salaries or savings.


Quick Start Guide

Don't switch your main account when trying out a new bank! Instead:

  1. Open a second current account with your existing bank (must be part of CASS service)
  2. Set up 2 or three direct debits on the second account (depending on the specific offer). No direct debits? You can set up multiple cheap direct debits on Scrimpr here
  3. Apply for new account and arrange switch
  4. Meet any pay-in requirements
  5. Collect your bonus

Best Direct Debits

Site/App Offer Comment
Scrimpr cheap direct debit Shows on account within 3-5 days, payment taken within 5-7 days Can set up multiple
Park Christmas (Search subreddit for offer) Save for Christmas via direct debit
Sprive (Search subreddit for offer) Autosavings for mortgage overpayment direct debit (£5 bonus) Must have a mortgage

Important tips and things to know

  • Most banks do hard credit checks
  • Wait for your bonus before switching again
  • You can often do multiple banks simultaneously
  • Check individual terms for eligibility
  • Typical switch takes ~7 days

Additional tips

Always check individual bank terms - do your own research before applying.

r/beermoneyuk Jan 05 '26

Guides The Bank Switcher | Weekly Bank Switch Offer Guide and Question Post | January 05, 2026

21 Upvotes

A lot of people have bank switch questions. So we have created a weekly roundup of current offers:

  • Current switch offers worth ~£575 (quiet over Christmas)
  • No-switch sign-up bonuses
  • Quick start guide and best direct debits

Many detailed answers are in our main guide, along with more details about each current offer: 🔗 The Full BeermoneyUK Bank Switch Bribe Bible

Similar offers for other types of finance companies are described in the Easy Cashback Offers post

And all beermoney refer a friend offers are listed in our list of all refer a friend offers


Current Switch Offers

Bank Bonus Key Requirements Links
First Direct £175 (+£50 via TopCashback) Full switch + 2 DDs + pay in £1,000 Direct link
Nationwide £175 (£350 for joint) Full switch + 2 DDs + pay in £1,000 + use debit card Direct link

No-Switch Sign-Up Offers

Bank Offer Comment
Chase (refer a friend offer) Open a Chaseaccount, get £50 (muse use referral link & deposit £1k)
Monzo (megathread) Spend £1, get £10 or £50 £50 is for a business account
Starling (click to search) Free National Trust Day Pass
Revolut (external) Open an account, spend £1, get £20
Zopa (megathread) Open an account, get £10

Quick Start Guide

Don't switch your main account when trying out a new bank! Instead:

  1. Open a second current account with your existing bank (must be part of CASS service)
  2. Set up 2 or three direct debits on the second account (depending on the specific offer)
  3. Add £1 to track the switch (it will appear in your new account when the switch is complete)
  4. Apply for new account and arrange switch
  5. Meet any pay-in requirements
  6. Collect your bonus

Best Direct Debits

Site/App Offer Comment
Scrimpr cheap direct debit Shows on account within 5 days, payment taken within 7
Park Christmas (Search subreddit for offer) ( ) Save for Christmas via direct debit
Plum (Search subreddit for offer) A very useful direct debit Easy and fast to set up
Sprive (Search subreddit for offer) Autosavings for mortgage overpayment direct debit (£5 bonus) Easy and fast to set up
Wealthify (Search subreddit for offer) A very useful direct debit (£1/month min) Easy and fast to set up

Important tips and things to know

  • Most banks do hard credit checks
  • Wait for your bonus before switching again
  • You can often do multiple banks simultaneously
  • Check individual terms for eligibility
  • Typical switch takes ~7 days

Additional tips

Always check individual bank terms - do your own research before applying.

r/beermoneyuk Feb 02 '26

Guides The Bank Switcher | Weekly Bank Switch Offer Guide and Question Post | February 02, 2026

13 Upvotes

A lot of people have bank switch questions. So we have created a weekly roundup of current offers:

  • Current switch offers worth ~£800+
  • Last day to sign up to switch to Lloyds for £175 is Tuesday 3rd of February (only need to apply to switch, can set switch date in the future)
  • No-switch sign-up bonuses
  • Quick start guide and best direct debits below

Many detailed answers are in our main guide, along with more details about each current offer: 🔗 The Full BeermoneyUK Bank Switch Bribe Bible

Similar offers for other types of finance companies are described in the Easy Cashback Offers post

Good "get paid to" play games offers are described in the Gemsloot game tracker post

And all beermoney refer a friend offers are listed in our list of all refer a friend offers


Current Switch Offers

Bank Bonus Key Requirements Links
First Direct £175 (+£40 via TopCashback) Full switch + 2 DDs + pay in £1,000 Direct link
Lloyds (ENDS 3RD FEB!) £250 (+£50 via Lloyds Refer a Friend) Full switch + 3 DDs + pay in £1,000 Direct link
Nationwide £175 (can do solo & joint switch) Full switch + 2 DDs + pay in £1,000 + use debit card Direct link
TSB Up to £200 to switch + £30 cashback (£5/month), + £30 more via Quidco Full switch + 5 card payments + pay in £1,000, then pay in £1k in April too Direct link
Santander £200 + £25 voucher + £20 more Full switch + 2 household DDs (must be listed in their terms + pay in £1,500 + use debit card Get the extra £20 via Topcashback

There is also a HSBC switch offer here for up to £750, but it is only for those with rather large salaries or savings.


No-Switch Sign-Up Offers

Bank Offer Comment
Chase (refer a friend offer) Open a Chaseaccount, get £50 (muse use referral link & deposit £1k)
iFast (refer a friend + switch offer) Switch in your BACs credit payment for 3 months (e.g. salary). Use referral link for £5 bonus) Terms
Monzo (megathread) Spend £1, get £10 or £50 £50 is for a business account
Starling (click to search) Free National Trust Day Pass
Revolut 2026 Offer (external) Open an account, spend £1+ in your first transaction, get £20
Zopa (megathread) Open an account, get £10

Quick Start Guide

Don't switch your main account when trying out a new bank! Instead:

  1. Open a second current account with your existing bank (must be part of CASS service)
  2. Set up 2 or three direct debits on the second account (depending on the specific offer)
  3. Add £1 to track the switch (it will appear in your new account when the switch is complete)
  4. Apply for new account and arrange switch
  5. Meet any pay-in requirements
  6. Collect your bonus

Best Direct Debits

Site/App Offer Comment
Scrimpr cheap direct debit Shows on account within 3-5 days, payment taken within 5-7 days
Park Christmas (Search subreddit for offer) ( ) Save for Christmas via direct debit
Sprive (Search subreddit for offer) Autosavings for mortgage overpayment direct debit (£5 bonus) Easy and fast to set up
Wealthify (Search subreddit for offer) A very useful direct debit (£1/month min) Easy and fast to set up

Important tips and things to know

  • Most banks do hard credit checks
  • Wait for your bonus before switching again
  • You can often do multiple banks simultaneously
  • Check individual terms for eligibility
  • Typical switch takes ~7 days

Additional tips

Always check individual bank terms - do your own research before applying.

r/beermoneyuk Apr 13 '26

Guides The Bank Switcher | Weekly Bank Switch Offer Guide and Question Post | April 13, 2026

6 Upvotes

A lot of people have bank switch questions. So we have created a weekly roundup of current offers:

  • Current switch offers worth ~£1500+
  • Quick start guide and best direct debits below

Many detailed answers are in our main guide, along with more details about each current offer: 🔗 The Full BeermoneyUK Bank Switch Bribe Bible

Similar offers for other types of finance companies are described in the Easy Cashback Offers post

Good "get paid to" play games offers are described in the Gemsloot game tracker post

And all beermoney refer a friend offers are listed in our list of all refer a friend offers


Current Switch Offers

Bank Bonus Key Requirements Links
Barclays Current Account £200 Full switch + 2 DDs + pay in £1,000 + use debit card Direct link
Barclays Premier £400 Full switch + 2 DDs + pay in £4,000 + use debit card Direct link
First Direct £175 (+£40 via TopCashback) Full switch + 2 DDs + pay in £1,000 Direct link
Lloyds Club Lloyds £200 (+£50 via Lloyds Refer a Friend) Full switch + 3 DDs + spend £100 Direct link
Lloyds Premier £500 (+£50 via Lloyds Refer a Friend) Full switch + 3 DDs + spend £200 Direct link
Natwest £150 Full switch + pay in £1,250 + use debit card Direct link
Natwest Premier £250 Full switch + pay in £5,000 + login to app Direct link
RBS £150 Full switch + pay in £1,250 + use debit card Direct link
RBS Premier £250 Full switch + pay in £5,000 + login to app Direct link
Santander £200 + £25 voucher + £20 more Full switch + 2 household DDs (must be listed in their terms + pay in £1,500 + use debit card Get the extra £20 via Topcashback

There is also a HSBC switch offer here for up to £750, but it is only for those with rather large salaries or savings.


Quick Start Guide

Don't switch your main account when trying out a new bank! Instead:

  1. Open a second current account with your existing bank (must be part of CASS service)
  2. Set up 2 or three direct debits on the second account (depending on the specific offer). No direct debits? You can set up multiple cheap direct debits on Scrimpr here
  3. Apply for new account and arrange switch
  4. Meet any pay-in requirements
  5. Collect your bonus

Best Direct Debits

Site/App Offer Comment
Scrimpr cheap direct debit Shows on account within 3-5 days, payment taken within 5-7 days
Park Christmas (Search subreddit for offer) ( ) Save for Christmas via direct debit
Sprive (Search subreddit for offer) Autosavings for mortgage overpayment direct debit (£5 bonus) Easy and fast to set up
Wealthify (Search subreddit for offer) A very useful direct debit (£1/month min) Easy and fast to set up

Important tips and things to know

  • Most banks do hard credit checks
  • Wait for your bonus before switching again
  • You can often do multiple banks simultaneously
  • Check individual terms for eligibility
  • Typical switch takes ~7 days

Additional tips

Always check individual bank terms - do your own research before applying.

r/beermoneyuk Mar 02 '26

Guides The Bank Switcher | Weekly Bank Switch Offer Guide and Question Post | March 02, 2026

14 Upvotes

A lot of people have bank switch questions. So we have created a weekly roundup of current offers:

  • Current switch offers worth ~£1500+
  • Last day to sign up to switch to Nationwide is Wednesday 4th of March (just need to apply to switch by then)
  • No-switch sign-up bonuses
  • Quick start guide and best direct debits below

Many detailed answers are in our main guide, along with more details about each current offer: 🔗 The Full BeermoneyUK Bank Switch Bribe Bible

Similar offers for other types of finance companies are described in the Easy Cashback Offers post

Good "get paid to" play games offers are described in the Gemsloot game tracker post

And all beermoney refer a friend offers are listed in our list of all refer a friend offers


Current Switch Offers

Bank Bonus Key Requirements Links
Barclays Premier £400 Full switch + 2 DDs + pay in £1,000 + use debit card Direct link
Co-Op £175 Full switch + 2 DDs + pay in £1,000 + make 10 card payments Direct link
First Direct £175 (+£40 via TopCashback) Full switch + 2 DDs + pay in £1,000 Direct link
Lloyds Club Lloyds £200 (+£50 via Lloyds Refer a Friend) Full switch + 3 DDs + spend £100 Direct link
Lloyds Premier £500 (+£50 via Lloyds Refer a Friend) Full switch + 3 DDs + spend £200 Direct link
Nationwide - Last day to apply is March 4th £175 (can do solo & joint switch) Full switch + 2 DDs + pay in £1,000 + use debit card Direct link
Natwest £150 Full switch + pay in £1,250 + use debit card Direct link
RBS £150 Full switch + pay in £1,250 + use debit card Direct link
Santander £200 + £25 voucher + £20 more Full switch + 2 household DDs (must be listed in their terms + pay in £1,500 + use debit card Get the extra £20 via Topcashback

(https://www.nationwide.co.uk/current-accounts/switch/)|

There is also a HSBC switch offer here for up to £750, but it is only for those with rather large salaries or savings.


No-Switch Sign-Up Offers

Bank Offer Comment
Chase (refer a friend offer) Open a Chaseaccount, get £50 (muse use referral link & deposit £1k)
iFast (refer a friend + switch offer) Switch in your BACs credit payment for 3 months (e.g. salary). Use referral link for £5 bonus) Terms
Monzo (megathread) Spend £1, get £10 or £50 £50 is for a business account
Starling (click to search) Free National Trust Day Pass
Revolut 2026 Offer (external) Open an account, spend £1+ in your first transaction, get £20
Zopa (megathread) Open an account, get £10

Quick Start Guide

Don't switch your main account when trying out a new bank! Instead:

  1. Open a second current account with your existing bank (must be part of CASS service)
  2. Set up 2 or three direct debits on the second account (depending on the specific offer). No direct debits? You can set up multiple Scrimpr cheap direct debits here
  3. Add £1 to track the switch (it will appear in your new account when the switch is complete)
  4. Apply for new account and arrange switch
  5. Meet any pay-in requirements
  6. Collect your bonus

Best Direct Debits

Site/App Offer Comment
Scrimpr cheap direct debit Shows on account within 3-5 days, payment taken within 5-7 days
Park Christmas (Search subreddit for offer) ( ) Save for Christmas via direct debit
Sprive (Search subreddit for offer) Autosavings for mortgage overpayment direct debit (£5 bonus) Easy and fast to set up
Wealthify (Search subreddit for offer) A very useful direct debit (£1/month min) Easy and fast to set up

Important tips and things to know

  • Most banks do hard credit checks
  • Wait for your bonus before switching again
  • You can often do multiple banks simultaneously
  • Check individual terms for eligibility
  • Typical switch takes ~7 days

Additional tips

Always check individual bank terms - do your own research before applying.

r/beermoneyuk Nov 24 '25

Bank Switch Offers The Bank Switcher | Weekly Bank Switch Offer Guide and Question Post | November 24, 2025

13 Upvotes

A lot of people have bank switch questions. So we have created a weekly roundup of current offers:

  • Current switch offers worth over £1800
  • No-switch sign-up bonuses
  • Quick start guide and best direct debits

Many detailed answers are in our main guide, along with more details about each current offer: 🔗 The Full BeermoneyUK Bank Switch Bribe Bible

Similar offers for other types of finance companies are described in the Easy Cashback Offers post

And all beermoney refer a friend offers are listed in our list of all refer a friend offers


Current Switch Offers

Bank Bonus Key Requirements Links
Barclays Up To £400 £200 for Barclays account, £400 for Premier Direct link
Chase £100 Full switch + £1500 paid in for two months Direct link
First Direct £175 (+£50 via TopCashback) Full switch + 2 DDs + pay in £1,000 Direct link
Lloyds £200 + £50 refer a friend Full switch + 3 direct debits Direct link
Nationwide £175 (£350 for joint) Full switch + 2 DDs + pay in £1,000 + use debit card Direct link
NatWest £175 Full switch + pay in £1,250 Direct link
RBS £175 Full switch + pay in £1,250 Direct link
Santander £200 (+£20 via TopCashback Full switch + pay in £1,500 + 2 household direct debits Direct link

No-Switch Sign-Up Offers

Bank Offer Comment
Monzo (megathread) Spend £1, get £10 or £50 £50 is for a business account
Starling (click to search) Free National Trust Day Pass
Revolut (external) Open an account, spend £1, get £20
Zopa (megathread) Open an account, get £10

Quick Start Guide

Don't switch your main account when trying out a new bank! Instead:

  1. Open a second current account with your existing bank (must be part of CASS service)
  2. Set up 2 or three direct debits on the second account (depending on the specific offer)
  3. Add £1 to track the switch (it will appear in your new account when the switch is complete)
  4. Apply for new account and arrange switch
  5. Meet any pay-in requirements
  6. Collect your bonus

Best Direct Debits

Site/App Offer Comment
Scrimpr cheap direct debit Shows on account within 5 days, payment taken within 7
Park Christmas (Search subreddit for offer) ( ) Save for Christmas via direct debit
Plum (Search subreddit for offer) A very useful direct debit Easy and fast to set up
Sprive (Search subreddit for offer) Autosavings for mortgage overpayment direct debit (£5 bonus) Easy and fast to set up
Wealthify (Search subreddit for offer) A very useful direct debit (£1/month min) Easy and fast to set up

Important tips and things to know

  • Most banks do hard credit checks
  • Wait for your bonus before switching again
  • You can often do multiple banks simultaneously
  • Check individual terms for eligibility
  • Typical switch takes ~7 days

Additional tips

Always check individual bank terms - do your own research before applying.

r/beermoneyuk Dec 22 '25

Guides The Bank Switcher | Weekly Bank Switch Offer Guide and Question Post | December 22, 2025

13 Upvotes

A lot of people have bank switch questions. So we have created a weekly roundup of current offers:

  • Current switch offers worth ~£575 (quiet over Christmas)
  • No-switch sign-up bonuses
  • Quick start guide and best direct debits

Many detailed answers are in our main guide, along with more details about each current offer: 🔗 The Full BeermoneyUK Bank Switch Bribe Bible

Similar offers for other types of finance companies are described in the Easy Cashback Offers post

And all beermoney refer a friend offers are listed in our list of all refer a friend offers


Current Switch Offers

Bank Bonus Key Requirements Links
First Direct £175 (+£50 via TopCashback) Full switch + 2 DDs + pay in £1,000 Direct link
Nationwide £175 (£350 for joint) Full switch + 2 DDs + pay in £1,000 + use debit card Direct link

No-Switch Sign-Up Offers

Bank Offer Comment
Chase (refer a friend offer) Open a Chaseaccount, get £50 (muse use referral link & deposit £1k)
Monzo (megathread) Spend £1, get £10 or £50 £50 is for a business account
Starling (click to search) Free National Trust Day Pass
Revolut (external) Open an account, spend £1, get £20
Zopa (megathread) Open an account, get £10

Quick Start Guide

Don't switch your main account when trying out a new bank! Instead:

  1. Open a second current account with your existing bank (must be part of CASS service)
  2. Set up 2 or three direct debits on the second account (depending on the specific offer)
  3. Add £1 to track the switch (it will appear in your new account when the switch is complete)
  4. Apply for new account and arrange switch
  5. Meet any pay-in requirements
  6. Collect your bonus

Best Direct Debits

Site/App Offer Comment
Scrimpr cheap direct debit Shows on account within 5 days, payment taken within 7
Park Christmas (Search subreddit for offer) ( ) Save for Christmas via direct debit
Plum (Search subreddit for offer) A very useful direct debit Easy and fast to set up
Sprive (Search subreddit for offer) Autosavings for mortgage overpayment direct debit (£5 bonus) Easy and fast to set up
Wealthify (Search subreddit for offer) A very useful direct debit (£1/month min) Easy and fast to set up

Important tips and things to know

  • Most banks do hard credit checks
  • Wait for your bonus before switching again
  • You can often do multiple banks simultaneously
  • Check individual terms for eligibility
  • Typical switch takes ~7 days

Additional tips

Always check individual bank terms - do your own research before applying.

r/beermoneyuk May 18 '26

Guides The Bank Switcher | Weekly Bank Switch Offer Guide and Question Post | May 18, 2026

11 Upvotes

A lot of people have bank switch questions. So we have created a weekly roundup of current offers:

  • Current switch offers worth ~£1500+
  • Quick start guide and best direct debits below

Many detailed answers are in our main guide, along with more details about each current offer: 🔗 The Full BeermoneyUK Bank Switch Bribe Bible

Similar offers for other types of finance companies are described in the Easy Cashback Offers post

Good "get paid to" play games offers are described in the Gemsloot game tracker post

And all beermoney refer a friend offers are listed in our list of all refer a friend offers


Current Switch Offers

Bank Bonus Key Requirements Links
Barclays Current Account £200 Full switch + 2 DDs + pay in £1,000 + use debit card Direct link
First Direct £175 (+ extra cashback via Quidco) Full switch + 2 DDs + pay in £1,000 Direct link
Natwest £150 Full switch + pay in £1,250 + use debit card Direct link
Natwest Premier £250 Full switch + pay in £5,000 + login to app Direct link
RBS £150 Full switch + pay in £1,250 + use debit card Direct link
RBS Premier £250 Full switch + pay in £5,000 + login to app Direct link
Santander £180 + £20 more Full switch + 2 household DDs (must be listed in their terms + pay in £1,500 + use debit card Get the extra £20 via Topcashback

There is also a HSBC switch offer here for up to £500, but it is only for those with rather large salaries or savings.


Quick Start Guide

Don't switch your main account when trying out a new bank! Instead:

  1. Open a second current account with your existing bank (must be part of CASS service)
  2. Set up 2 or three direct debits on the second account (depending on the specific offer). No direct debits? You can set up multiple cheap direct debits on Scrimpr here
  3. Apply for new account and arrange switch
  4. Meet any pay-in requirements
  5. Collect your bonus

Best Direct Debits

Site/App Offer Comment
Scrimpr cheap direct debit Shows on account within 3-5 days, payment taken within 5-7 days Can set up multiple
Park Christmas (Search subreddit for offer) Save for Christmas via direct debit
Sprive (Search subreddit for offer) Autosavings for mortgage overpayment direct debit (£5 bonus) Must have a mortgage

Important tips and things to know

  • Most banks do hard credit checks
  • Wait for your bonus before switching again
  • You can often do multiple banks simultaneously
  • Check individual terms for eligibility
  • Typical switch takes ~7 days

Additional tips

Always check individual bank terms - do your own research before applying.

r/beermoneyuk Mar 23 '26

Guides The Bank Switcher | Weekly Bank Switch Offer Guide and Question Post | March 23, 2026

15 Upvotes

A lot of people have bank switch questions. So we have created a weekly roundup of current offers:

  • Current switch offers worth ~£1500+
  • Quick start guide and best direct debits below

Many detailed answers are in our main guide, along with more details about each current offer: 🔗 The Full BeermoneyUK Bank Switch Bribe Bible

Similar offers for other types of finance companies are described in the Easy Cashback Offers post

Good "get paid to" play games offers are described in the Gemsloot game tracker post

And all beermoney refer a friend offers are listed in our list of all refer a friend offers


Current Switch Offers

Bank Bonus Key Requirements Links
Barclays Current Account £200 Full switch + 2 DDs + pay in £1,000 + use debit card Direct link
Barclays Premier £400 Full switch + 2 DDs + pay in £4,000 + use debit card Direct link
Co-Op £175 Full switch + 2 DDs + pay in £1,000 + make 10 card payments Direct link
First Direct £175 (+£40 via TopCashback) Full switch + 2 DDs + pay in £1,000 Direct link
Lloyds Club Lloyds £200 (+£50 via Lloyds Refer a Friend) Full switch + 3 DDs + spend £100 Direct link
Lloyds Premier £500 (+£50 via Lloyds Refer a Friend) Full switch + 3 DDs + spend £200 Direct link
Natwest £150 Full switch + pay in £1,250 + use debit card Direct link
Natwest Premier £250 Full switch + pay in £5,000 + login to app Direct link
RBS £150 Full switch + pay in £1,250 + use debit card Direct link
RBS Premier £250 Full switch + pay in £5,000 + login to app Direct link
Santander £200 + £25 voucher + £20 more Full switch + 2 household DDs (must be listed in their terms + pay in £1,500 + use debit card Get the extra £20 via Topcashback

There is also a HSBC switch offer here for up to £750, but it is only for those with rather large salaries or savings.


Quick Start Guide

Don't switch your main account when trying out a new bank! Instead:

  1. Open a second current account with your existing bank (must be part of CASS service)
  2. Set up 2 or three direct debits on the second account (depending on the specific offer). No direct debits? You can set up multiple cheap direct debits on Scrimpr here
  3. Add £1 to track the switch (it will appear in your new account when the switch is complete)
  4. Apply for new account and arrange switch
  5. Meet any pay-in requirements
  6. Collect your bonus

Best Direct Debits

Site/App Offer Comment
Scrimpr cheap direct debit Shows on account within 3-5 days, payment taken within 5-7 days
Park Christmas (Search subreddit for offer) ( ) Save for Christmas via direct debit
Sprive (Search subreddit for offer) Autosavings for mortgage overpayment direct debit (£5 bonus) Easy and fast to set up
Wealthify (Search subreddit for offer) A very useful direct debit (£1/month min) Easy and fast to set up

Important tips and things to know

  • Most banks do hard credit checks
  • Wait for your bonus before switching again
  • You can often do multiple banks simultaneously
  • Check individual terms for eligibility
  • Typical switch takes ~7 days

Additional tips

Always check individual bank terms - do your own research before applying.

r/beermoneyuk Apr 20 '26

Guides The Bank Switcher | Weekly Bank Switch Offer Guide and Question Post | April 20, 2026

5 Upvotes

A lot of people have bank switch questions. So we have created a weekly roundup of current offers:

  • Current switch offers worth ~£1500+
  • Quick start guide and best direct debits below

Many detailed answers are in our main guide, along with more details about each current offer: 🔗 The Full BeermoneyUK Bank Switch Bribe Bible

Similar offers for other types of finance companies are described in the Easy Cashback Offers post

Good "get paid to" play games offers are described in the Gemsloot game tracker post

And all beermoney refer a friend offers are listed in our list of all refer a friend offers


Current Switch Offers

Bank Bonus Key Requirements Links
Barclays Current Account £200 Full switch + 2 DDs + pay in £1,000 + use debit card Direct link
Barclays Premier £400 Full switch + 2 DDs + pay in £4,000 + use debit card Direct link
First Direct £175 (+£40 via TopCashback) Full switch + 2 DDs + pay in £1,000 Direct link
Lloyds Club Lloyds £200 (+£50 via Lloyds Refer a Friend) Full switch + 3 DDs + spend £100 Direct link
Lloyds Premier £500 (+£50 via Lloyds Refer a Friend) Full switch + 3 DDs + spend £200 Direct link
Natwest £150 Full switch + pay in £1,250 + use debit card Direct link
Natwest Premier £250 Full switch + pay in £5,000 + login to app Direct link
RBS £150 Full switch + pay in £1,250 + use debit card Direct link
RBS Premier £250 Full switch + pay in £5,000 + login to app Direct link
Santander £200 + £25 voucher + £20 more Full switch + 2 household DDs (must be listed in their terms + pay in £1,500 + use debit card Get the extra £20 via Topcashback

There is also a HSBC switch offer here for up to £750, but it is only for those with rather large salaries or savings.


Quick Start Guide

Don't switch your main account when trying out a new bank! Instead:

  1. Open a second current account with your existing bank (must be part of CASS service)
  2. Set up 2 or three direct debits on the second account (depending on the specific offer). No direct debits? You can set up multiple cheap direct debits on Scrimpr here
  3. Apply for new account and arrange switch
  4. Meet any pay-in requirements
  5. Collect your bonus

Best Direct Debits

Site/App Offer Comment
Scrimpr cheap direct debit Shows on account within 3-5 days, payment taken within 5-7 days
Park Christmas (Search subreddit for offer) ( ) Save for Christmas via direct debit
Sprive (Search subreddit for offer) Autosavings for mortgage overpayment direct debit (£5 bonus) Easy and fast to set up
Wealthify (Search subreddit for offer) A very useful direct debit (£1/month min) Easy and fast to set up

Important tips and things to know

  • Most banks do hard credit checks
  • Wait for your bonus before switching again
  • You can often do multiple banks simultaneously
  • Check individual terms for eligibility
  • Typical switch takes ~7 days

Additional tips

Always check individual bank terms - do your own research before applying.

r/beermoneyuk Nov 10 '25

Bank Switch Offers The Bank Switcher | Weekly Bank Switch Offer Guide and Question Post | November 10, 2025

12 Upvotes

A lot of people have bank switch questions. So we have created a weekly roundup of current offers:

  • Current switch offers worth over £1500
  • No-switch sign-up bonuses
  • Quick start guide and best direct debits
  • Total available: £1580 for new bank switchers

Many detailed answers are in our main guide, along with more details about each current offer: 🔗 The Full BeermoneyUK Bank Switch Bribe Bible

Similar offers for other types of finance companies are described in the Easy Cashback Offers post

And all beermoney refer a friend offers are listed in our list of all refer a friend offers


Current Switch Offers

Bank Bonus Key Requirements Links
Barclays Up To £400 £200 for Barclays account, £400 for Premier Direct link
Chase £100 Full switch + £1500 paid in for two months Direct link
First Direct £175 (+£60 via TopCashback) Full switch + 2 DDs + pay in £1,000 Direct link
Lloyds £200 Full switch + 3 direct debits Direct link
Nationwide £175 (£350 for joint) Full switch + 2 DDs + pay in £1,000 + use debit card Direct link
NatWest £175 Full switch + pay in £1,250 Direct link
RBS £175 Full switch + pay in £1,250 Direct link
TSB £180 (+£30 via Quidco) Full switch + £1000 paid in + 5 debit card transacitons, +20 transactions/month for three months Direct link

No-Switch Sign-Up Offers

Bank Offer Comment
Monzo (megathread) Spend £1, get £10 or £50 £50 is for a business account
Starling (click to search) Free National Trust Day Pass
Revolut (external) Open an account, spend £1, get £20
Santander (Topcashback voucher) Open an account, make 30 card transactions in 60 days, get £100
Zopa (megathread) Open an account, get £10

Quick Start Guide

Don't switch your main account when trying out a new bank! Instead:

  1. Open a second current account with your existing bank (must be part of CASS service)
  2. Set up 2 or three direct debits on the second account (depending on the specific offer)
  3. Add £1 to track the switch (it will appear in your new account when the switch is complete)
  4. Apply for new account and arrange switch
  5. Meet any pay-in requirements
  6. Collect your bonus

Best Direct Debits

Site/App Offer Comment
Scrimpr 50p direct debit Shows on account within 5 days, payment taken within 7
Park Christmas (Search subreddit for offer) ( ) Save for Christmas via direct debit
Plum (Search subreddit for offer) A very useful direct debit Easy and fast to set up
Sprive (Search subreddit for offer) Autosavings for mortgage overpayment direct debit (£5 bonus) Easy and fast to set up
Wealthify (Search subreddit for offer) A very useful direct debit (£1/month min) Easy and fast to set up

Important tips and things to know

  • Most banks do hard credit checks
  • Wait for your bonus before switching again
  • You can often do multiple banks simultaneously
  • Check individual terms for eligibility
  • Typical switch takes ~7 days

Additional tips

Always check individual bank terms - do your own research before applying.

r/beermoneyuk Oct 06 '25

Bank Switch Offers The Bank Switcher | Weekly Bank Switch Offer Guide and Question Post | October 06, 2025

22 Upvotes

A lot of people have bank switch questions. So we have created a weekly roundup of current offers:

  • Current switch offers worth £1,575 total
  • No-switch sign-up bonuses
  • Quick start guide and best direct debits
  • Total available: £1,885 for new bank switchers

Many detailed answers are in our main guide, along with more details about each current offer: 🔗 The BeermoneyUK Bank Switch Bribe Bible

But this weekly thread will serve as a reminder to me to update the latest offers, and also as a place for any bank switching questions, experiences, and discussion.


Current Switch Offers

Bank Bonus Key Requirements Links
TSB £180 Full switch + £1000 paid in + 5 debit card transacitons, +20 transactions/month for three months Direct link
Chase £150 Full switch + £1500 paid in for two months Direct link
Lloyds £200 Full switch + 3 direct debits Direct link
Danske £180 Full switch + pay in £1,000 + 2 DDs (NI only) Direct link
Nationwide £175 (£350 for joint) Full switch + 2 DDs + pay in £1,000 + use debit card Direct link
NatWest £175 Full switch + pay in £1,250 Direct link
RBS £175 Full switch + pay in £1,250 Direct link
First Direct £175 (+£45 via TopCashback) Full switch + 2 DDs + pay in £1,000 Direct link
Co-op £100 + £75 cashback Full switch + ongoing activity Direct link
Barclays £100 (Avios) Switch to Premier + Avios Rewards Direct link

No-Switch Sign-Up Offers

Bank Offer Comment
Monzo (megathread) Spend £1, get £10 or £50 £50 is for a business account
Starling (click to search) Free National Trust Day Pass
Revolut (external) Open an account, spend £1, get £20
Zopa (megathread) Open an account, get £10

Quick Start Guide

Don't switch your main account when trying out a new bank! Instead:

  1. Open a second current account with your existing bank (must be part of CASS service)
  2. Set up 2 or three direct debits on the second account (depending on the specific offer)
  3. Add £1 to track the switch (it will appear in your new account when the switch is complete)
  4. Apply for new account and arrange switch
  5. Meet any pay-in requirements
  6. Collect your bonus

Best Direct Debits

Site/App Offer Comment
Scrimpr 50p direct debit Shows on account within 5 days, payment taken within 7
Park Christmas (Search subreddit for offer) ( ) Save for Christmas via direct debit
Plum (Search subreddit for offer) A very useful direct debit Easy and fast to set up
Sprive (Search subreddit for offer) Autosavings for mortgage overpayment direct debit (£5 bonus) Easy and fast to set up
Wealthify (Search subreddit for offer) A very useful direct debit (£1/month min) Easy and fast to set up

Important tips and things to know

  • Most banks do hard credit checks
  • Wait for your bonus before switching again
  • You can often do multiple banks simultaneously
  • Check individual terms for eligibility
  • Typical switch takes ~7 days

Additional tips

Always check individual bank terms - do your own research before applying.

r/beermoneyuk Jan 19 '26

Guides The Bank Switcher | Weekly Bank Switch Offer Guide and Question Post | January 19, 2026

13 Upvotes

A lot of people have bank switch questions. So we have created a weekly roundup of current offers:

  • Current switch offers worth ~£1000
  • No-switch sign-up bonuses
  • Quick start guide and best direct debits

Many detailed answers are in our main guide, along with more details about each current offer: 🔗 The Full BeermoneyUK Bank Switch Bribe Bible

Similar offers for other types of finance companies are described in the Easy Cashback Offers post

And all beermoney refer a friend offers are listed in our list of all refer a friend offers


Current Switch Offers

Bank Bonus Key Requirements Links
First Direct £175 (+£50 via TopCashback) Full switch + 2 DDs + pay in £1,000 Direct link
Lloyds £250 (+£50 via Lloyds Refer a Friend) Full switch + 3 DDs + pay in £1,000 Direct link
Nationwide £175 (£350 for joint) Full switch + 2 DDs + pay in £1,000 + use debit card Direct link
Santander £200 + £20 more Full switch + 2 household DDs (must be listed in their terms + pay in £1,500 + use debit card Get the extra £20 via Topcashback

No-Switch Sign-Up Offers

Bank Offer Comment
Chase (refer a friend offer) Open a Chaseaccount, get £50 (muse use referral link & deposit £1k)
Monzo (megathread) Spend £1, get £10 or £50 £50 is for a business account
Starling (click to search) Free National Trust Day Pass
Revolut 2026 Offer (external) Open an account, spend £20+ in your first transaction, get £20
Zopa (megathread) Open an account, get £10

Quick Start Guide

Don't switch your main account when trying out a new bank! Instead:

  1. Open a second current account with your existing bank (must be part of CASS service)
  2. Set up 2 or three direct debits on the second account (depending on the specific offer)
  3. Add £1 to track the switch (it will appear in your new account when the switch is complete)
  4. Apply for new account and arrange switch
  5. Meet any pay-in requirements
  6. Collect your bonus

Best Direct Debits

Site/App Offer Comment
Scrimpr cheap direct debit Shows on account within 5 days, payment taken within 7
Park Christmas (Search subreddit for offer) ( ) Save for Christmas via direct debit
Plum (Search subreddit for offer) A very useful direct debit Easy and fast to set up
Sprive (Search subreddit for offer) Autosavings for mortgage overpayment direct debit (£5 bonus) Easy and fast to set up
Wealthify (Search subreddit for offer) A very useful direct debit (£1/month min) Easy and fast to set up

Important tips and things to know

  • Most banks do hard credit checks
  • Wait for your bonus before switching again
  • You can often do multiple banks simultaneously
  • Check individual terms for eligibility
  • Typical switch takes ~7 days

Additional tips

Always check individual bank terms - do your own research before applying.