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The first step of personal finance is to open a current account that gives you a convenient space to store your money. But while most current accounts have the same standard uses, there are often alternatives that could give you features or even rewards that you didn’t have before.

The Current Account Switch Service is a scheme available to UK customers who would like to move their account to another bank that would potentially be more fitting for them.

It ensures a much smoother transition from one bank to the other, meaning the process is a lot more automated and does not require the customer to do anything, other than choose a date for the switch and authorise it to go ahead. To find out more about CASS, we’ve outlined everything you need to know below, if you’ve been thinking of switching current accounts.

Why should I switch my current account?

There are several reasons why you may want to switch to a new current account:

  • Bad experience with current provider
  • Would prefer another provider
  • Better features or add-ons
  • Better rewards
  • Claim a switch incentive

Most current accounts will perform a very similar function but there can be a few minor features or rewards that could make one account preferable over another. It could even be that you’ve had a bad experience with your current provider, or have been recommended another provider based on a good experience. Either way, switching with CASS makes it very quick and easy to do.

There are also switch incentives attached to some current accounts that might include a cash bonus or similar reward. For those customers who are happy to switch, this can be a quick and easy way of taking advantage of switching current accounts.

What is the Current Account Switch Service?

The Current Account Switch Service is a way of transferring all of your details from one bank to another, including payments, balance and even your overdraft, if it’s applicable. The whole automated process means less fuss for you as your new bank transfers everything while your old bank closes your account.

All you need to do is to apply for the new account and choose which date you would like to perform the switch. The rest is left up to CASS.

Am I eligible to use the Current Account Switch Service?

You should be eligible to use the Current Account Switch Service, as long as:

  • You aren’t switching a joint account without permission from the other party
  • You aren’t switching a savings account
  • You aren’t switching an ISA
  • You aren’t switching a Non-sterling payment account

You can recognise the banks that use the Current Account Switch Service from the guarantee label positioned on each product. Most modern providers will use this service but you can make sure by checking their website or checking the list on the CASS website here.

What will be switched across?

Once you are happy to go ahead with the switch, you just need to pick your date and leave it to CASS to do the heavy lifting. Things that will be switched include:

  • Direct Debits
  • Current balance
  • Overdraft (if agreed by the new provider)

What do I need to do when switching current accounts?

When using the Current Account Switch Service there is very little you need to do other than choose the date when you would like it to take place. There are other matters such as checking if you are eligible to use CASS between your old bank and new bank, and arranging an existing overdraft to be transferred, so it’s worth getting in touch with both banks just in case.

Which banks are using the Current Account Switch Service?

Most major banks use CASS, meaning you shouldn’t have much trouble when switching. If you’re unsure, get in touch with your current provider or new provider to find out if they support the service. Alternatively, you can check out the list on the CASS website here. Banks using the scheme currently on our panel include:

  • Nationwide
  • Santander
  • Starling Bank
  • HSBC
  • Barclays
  • TSB
  • Thinkmoney

Ready to make the switch using the Current Account Switch Service? Head over to our panel of current accounts using the link below and find the right account for you.