Which? The 'free money hack' you need to know
Nov 21, 2025
Join Grace Witherden, a Which Money expert specializing in independent banking advice, and Gabriel Nussbaum, a personal finance creator known as That Money Guy. They dive into the ins and outs of switching bank accounts, exploring lucrative switching incentives and the potential pitfalls. Discover the seven-day switching process, current top offers, and savvy tactics for maximizing bonuses. They emphasize the importance of reading the fine print and highlight when to switch for optimal benefits.
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Use The Current Account Switch Service
- Use the Current Account Switch Service (CAS) to move your current account; the new bank does most of the work.
- Expect the full switch, including direct debits and account closure, to complete within seven days.
Switch Bonuses Often Return
- Several banks frequently run switching incentives and the top offers can reach around £175.
- If you wait, major providers often reintroduce deals from time to time, so timing can matter.
Check Eligibility And Group Links
- Read each provider's T&Cs because many exclude recent or related customers from bonuses.
- Check group ownership (eg. First Direct/HSBC) to avoid being blocked from offers you expect to get.