How long does it take to switch bank accounts?
Where a link is marked *, it is a partner link — we receive commission at no extra cost to you. Links without a * earn us nothing. How we make money.
In short: Seven working days from the date you choose, under the Current Account Switch Service (CASS). All Direct Debits, standing orders and incoming payments move automatically and the old account closes.
Last reviewed:
Reviewed by Kaiser Khan
CASS is run by Pay.UK and offered by over 50 banks and building societies. You pick a switch date, and the new bank handles moving all standing orders, Direct Debits and incoming payments. Any payments sent to the old account in the following 36 months are automatically redirected.
The Current Account Switch Guarantee covers any errors: charges and interest caused by switching mistakes are refunded by the bank that made them, and complaints are handled within 20 working days.
You don't need to be in credit to switch, and switching is free regardless of overdraft size. Some banks offer cash incentives for switching — terms vary.
Primary source: wearepay.uk/cass
Part of our Banking & current accounts
This quick answer sits inside our wider banking & current accounts hub — with sub-guides, calculators and step-by-step explainers on the same topic.
Read the full banking & current accounts guide →