Guides › Questions

Can I get a switching bonus if I already bank with them?

9 of the 11 offers are only for people who don’t have, or haven’t recently had, a current account with the bank or its group. 2 offers don’t ask, though they still look at earlier switching rewards. Each rule names the banks that count together.

Not if you have an account there 9

• B

  Barclays Barclays Bank Account, £150

  Only if you don’t have an open Barclays current account when you apply. Only if you didn’t hold a Barclays current account on 1 Oct 2026.

  In the terms: £150 CASS Bonus: be a new Personal Sole Barclays Current Account customer

• B

  Barclays Premier Barclays Premier Current Account, £450

  Only if you didn’t hold a Barclays current account on 1 Oct 2026.

  In the terms: Section 3: any open Barclays current account on or before 1 October 2026

• fd

  first direct first direct 1st Account, £210

  Only if you haven’t opened a HSBC UK current account since 1 Jan 2018.

  In the terms: You will not be eligible if: opened an HSBC current account on or after 1 January 2018

• H

  HSBC UK HSBC UK Bank Account, £220

  Only if you haven’t held a HSBC UK or first direct current account at any time since 1 Jan 2023.

  In the terms: Exclusions: held an HSBC UK or first direct current account on or after 1 January 2023

• H

  HSBC Premier HSBC UK Premier Bank Account, £500

  Only if you haven’t held a HSBC UK or first direct current account at any time since 1 Jan 2025.

  In the terms: You don’t qualify if: an existing HSBC UK or first direct current account holder, or held one on or after 1 January 2025

• NW

  NatWest Premier NatWest Premier Select Account, £500

  Only if you didn’t hold a NatWest current account on 2 Sep 2026.

  In the terms: Offer: for customers who don’t hold a NatWest personal current account as of 2 September 2026

• NW

  NatWest NatWest Select Account, £200

  Only if you didn’t hold a NatWest current account on 6 May 2026.

  In the terms: Offer: for customers who don’t hold a NatWest current account as of 6 May 2026

• RBS

  RBS RBS Select Account, £200

  Only if you didn’t hold a RBS current account on 6 May 2026.

  In the terms: Offer: for customers who don’t hold an RBS current account as of 6 May 2026

• S

  Santander Santander Everyday Current Account, £240

  Only if you didn’t hold a Santander current account on 1 Jan 2026.

  In the terms: You won’t qualify if: held a current account with Santander on 1 January 2026

Existing customers can apply 2

• L

  Lloyds Club Lloyds Account, £200

  Only if you haven’t had a switching reward from Lloyds, Halifax or Bank of Scotland since 1 Jan 2023.

  In the terms: Exclusions: received a switching offer from Lloyds, Bank of Scotland or Halifax since 1 Jan 2023

• N

  Nationwide Building Society Nationwide FlexDirect, £175

  Only if you haven’t had a switching reward from Nationwide or Virgin Money since 1 Jan 2021.

  In the terms: Prior offers

Had a reward before? Am I clear yet? checks your dates against each offer’s cut-off.

From each bank’s own terms, as Pocketly read them; each bank’s live terms are final. How Pocketly checks offers.