The Current Account Switch Service guarantees that switching from one bank or building society to another is simple, quick and stress-free. It is a free-to-use service for consumers, small charities, small businesses and small trusts.

To find out more about the service, how to switch, or who is involved, please click here:

The Current Account Switch Service is managed and owned by Pay.UK, the company responsible for Faster Payments, cheques, Direct Debit and Bacs Direct Credit in the UK. For more information about how the service is performing visit Current Account Switch Service statistics.

The Cheque Redirection Service

A key benefit of the Current Account Switch Service is the promise that any payments made to your old account will be redirected to your new account for 36 months after your switch takes place. The Cheque Redirection Service, which is owned and operated by the Cheque and Credit Clearing Company, is part of this service. 

It works by ensuring that any cheques that you’ve issued on your old account, but which get paid in after your old account has closed, will be redirected to your new bank to be paid. This will happen even if you accidentally use your old chequebook after the switch date.

The cheque that you’ve written will still be paid provided:

  • There are sufficient funds on the new account or a sufficient overdraft facility
  • The cheque has not been stopped; and
  • The cheque passes the usual technical checks.