Switching without using CASS
If your account provider isn't part of the Current Account Switch Service (CASS), you can still switch to or from us at no cost by giving us the details of the account you want to switch.
To switch an account to us from a non-CASS provider just contact us and we'll send you a Transfer Form so we can understand the Standing Orders and Direct Debits you want to switch. As soon as we get this back we'll contact your old account provider and get your switch up and running. We'll also arrange for your old provider to transfer any credit balance to us and close your old account if you want to. The whole process can be as quick as 12 working days depending on the transfer date you choose and how long it takes your old provider to respond. Don't forget to give your new account details to anyone who sends you credits e.g. your employer, and let them know when to start sending payments to it.
To switch an account from us to a non-CASS provider just contact us. We'd be sad to see you go but we understand these things happen so we'll send a list of your Direct Debits and Standing Orders to your new account provider as quick as we can, normally within 5 working days. We'll then work with them to transfer and close your account if you want to.
If your new bank or building society agrees, bank accounts that include an overdraft can switch using the Current Account Switch Service. And if you’d like to have an overdraft with your new bank account, speak to your new bank or building society before starting your switch. Your new bank or building society will be able to advise if you’re eligible for an overdraft, dependent on their lending criteria and your credit status.
If you're unhappy with any part of your switch, please visit our guide to making a complaint.
Things work a little differently in Northern Ireland...
If you live in Northern Ireland and you use our switching service, we can offer you an interest and charge free arranged overdraft for three months from the date that you open your account with us, subject to our usual credit assessment criteria.
If there's a failure in the switching process we'll refund any charges or interest you've paid to us, and your old bank should refund any charges or interest you've paid to them.
