Current Account Switch Service

The Current Account Switch Service makes it simple and stress-free to move everything across from your old bank. You can choose a switch date to suit you and it only takes seven working days from start to finish.

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.

Take a look at our range of TSB current accounts and find the one that’s right for you. You can open your account and then you can start your switch.

Reasons to switch to TSB

  • 24/7 online, mobile and telephone banking

  • Your finances are kept in one place keeping your life organised

  • Three month interest and fee free overdraft when switching (subject to application and approval)

  • Keep up to date - we'll send you text alerts so you know how the switch is going

  • Network of around 500 branches

Account opening is subject to our assessment of your circumstances. You must be 18 or over and a UK resident to apply.

Reasons to use the Current Account Switch Service

  • Your switch is backed by the Current Account Switch Guarantee 

  • Choose to switch to us when you apply, or at any time after

  • You can choose the date you want your account to switch. This date cannot be a Saturday, Sunday or Bank Holiday

  • It’s simple and stress-free to switch and we’ll have it done in just seven working days from the date you submit your application

  • We will transfer all your existing payments for you – those going out, like Direct Debits and standing orders, those coming in like your salary and payees you already have set up

  • Any payments made to or requested from your old account will be automatically redirected to your new account for at least three years. We will also contact the sender and give them your new account details

An easy switch in seven working days

Day 1-2

  • Your TSB account is already up and running. We’ll contact your old bank or building society to arrange the switch. We’ll let you know that they have approved your request. 

Day 3-5

  • We’ll transfer all your existing payment arrangements. Your Direct Debits, standing orders and payees will be set up on your TSB account ready for the big switch date.

Day 6

  • If you owe money on your old account which you’ve asked us to repay, now’s the time to make sure there’s enough money in your TSB account to cover it.

Day 7 

  • Your switch will be complete. Your balance will have been transferred and your old bank or building society account will be closed. You’re all go with us at TSB.

Day 8+

  • For at least 3 years after your switch, any payments sent to or requested from your old account will be redirected to your TSB account.

How to start your switch

You will need to have a TSB account open before applying to switch. Once your account is open you can apply to switch via internet banking or visit one of our local TSB branches. 

When you apply to switch to us, we'll ask for:

  • The sort code and account number you want to switch from
  • Your debit card number and expiry date – if it’s a joint account we need details of both cards
  • The maximum amount you would like us to send to your old account to repay the overdraft – if you’re using one 

You can request to switch when you apply for a current account online, or at any time after. It’s a good idea to check your old bank has up-to-date name and address details for you. If they are not the same as the details you give us, your switch will not work. 

If you’ve got a TSB account already, simply complete this quick online form.

Find out more about the Current Account Switch Service before you switch.

If you don’t want to switch everything

The Partial Switch Service lets you manage your account transfer, at your own pace and we’ll support you every step of the way. You tell us which parts of your old account you want to move, including any balance. Transferring your old account like this isn’t covered by the Current Account Switch Guarantee and will take a bit longer than seven working days. But if you do choose to do it this way you have the peace of mind of knowing there’s a dedicated team on hand to help at every stage. You can start a Partial Switch in one of our Branches. 

Switching brochure and switch guarantee (PDF, 2.38MB)

 
 

Using the Current Account Switch Service (CASS) online you can switch a current account from another provider to us. Not all banks are participants of CASS. You can check if your current provider is a CASS participant before applying to switch to us here.

If you want to switch from a provider who isn’t a CASS participant or want to switch a savings account, we can still organise the switch for you but it can take a little longer. Applications to do this are available in a TSB branch. We recommend you book an appointment before visiting the branch. Please call our Telephone Banking team on  0345 975 8758 to book an appointment. 
 

You can switch your joint Current Account from your old bank in to TSB providing that your  new TSB Current Account is also a joint account. You can also switch your sole account into a joint account, however you can’t switch a joint account into a sole account.

We may be able to provide facilities to pay off any existing overdraft you may have, subject to our normal lending criteria. If you agree an overdraft limit with us it may not match that offered by your old bank. If you do not come to an agreement with us you will need to make separate arrangements to repay any balance owed with your old bank. 

Please be aware your old bank is entitled to use any funds it receives in settlement of the debt on your old account. 

Yes you can still use your old bank account up until day 6 of the switch. If you set up any new payment arrangements on your old bank during the switch these will not be transferred. 

Your old bank will automatically close as part of the 7 day switching process.  This ensures payments made to your old account can be redirected to your new account. If your old account is overdrawn or has pending transactions on the day the switch completes the account will stay open until the balance reaches zero. 

If you want to keep your old account open you will need to do a partial switch. This can only be done in a TSB branch and will take longer than 7 working days. We recommend you book an appointment before visiting the branch. Please call our Telephone Banking team on  0345 975 8758 to book an appointment

To cancel the switch completely, you need to let your new bank know at least 7 working days before your switch date. After that, only certain elements can be cancelled depending how far through the process we are. 

As part of the 7 day switch there is a redirection on your old bank account. This means credits to your old bank will be forwarded to your old bank within 24 hours. This includes debit card refunds however these can take a little longer. If you receive a credit after 3pm Friday, weekends or bank holidays these will be forwarded the next working day.

Backed by the Current Account Switch Guarantee

The Current Account Switch Guarantee ensures your current account will switch on a day of your choice, your payments will be automatically transferred and redirected to your new account, and in the unlikely event anything goes wrong with your switch, we will refund any interest (paid or lost) and charges (incurred on your old or new current accounts) as a result of this failure as soon as it’s brought to our attention.

Switch Guarantee

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Financial Services Compensation Scheme

FSCS


 
Visit fscs.org.uk to find out more
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