Bank Account Switching Guide & Estimator
Step-by-step guidance and an interactive timeline estimator to help you switch your UK bank account safely and seamlessly using the Current Account Switch Service (CASS).
Estimate Your Switching Timeline
While the CASS process itself takes exactly 7 working days, preparation is key. Enter your account details below to get a realistic timeline and readiness checklist.
Switching Details
Enter your current account profile to estimate your timeline
Switching Timeline
Calculated preparation & CASS duration
The CASS 7-Day Timeline
Once you submit your switch request, the Current Account Switch Service follows a strict, guaranteed schedule to move your money and payments.
| Working Day | Action Taken | Who is Responsible? |
|---|---|---|
| Day 0 | You request the switch at your new bank. | You & New Bank |
| Day 2 | New bank contacts your old bank to initiate the switch. | New Bank |
| Day 3 | Old bank confirms the switch date and details. | Old Bank |
| Day 5 | Your new account is opened and ready to use. | New Bank |
| Day 6 | Old bank prepares the final balance and payment redirection. | Old Bank |
| Day 7 | Switch completes: funds transfer, old account closes, redirection begins. | CASS / Both Banks |
Bank Switching FAQ
Everything you need to know about switching your bank account safely using the Current Account Switch Service.
The Current Account Switch Service (CASS) is a free, reliable service that makes switching your bank account quick and easy. It guarantees that your switch will be completed within 7 working days, and all your incoming and outgoing payments will be automatically redirected to your new account for at least 36 months.
Yes, you will get a new account number and sort code. However, under CASS, your old bank will automatically redirect all payments (like salaries, direct debits, and standing orders) from your old account to your new one, so you won’t miss any payments or need to manually update every payer.
Yes, you can switch a joint account. However, all account holders must agree to the switch, and you must open a new joint account with the new bank before initiating the CASS process. Both parties will need to sign the switch agreement.
The act of switching itself does not affect your credit score. However, applying for a new bank account involves a credit check, which may leave a temporary ‘hard search’ footprint on your credit file. As long as you manage the new account well and avoid unauthorized overdrafts, it can positively impact your score over time.