Guides Repeat switching
Can I get a switching reward again?
Am I clear yet?
One reward per banking group is the usual rule. Give the date of your last one from each group, and each offer’s own cut-off says whether it’s clear.
Most banks pay a switching reward once. Their rules for people who have switched before are usually a fixed date (“since 1 January 2023”) or for good (“ever”), not a rolling year. Here are the rules in each offer Pocketly checks, from the bank’s own terms.
The rules, offer by offer (11)
Barclays £150
- You don’t have an open Barclays current account when you apply. In the terms: £150 CASS Bonus: be a new Personal Sole Barclays Current Account customer
- You didn’t hold a Barclays current account on 1 Oct 2026. In the terms: £150 CASS Bonus: you already have any open Barclays Current Account on or before the offer started on 1 October 2026
- You’ve never had a switching reward from Barclays. In the terms: £150 CASS Bonus: received a CASS bonus from Barclays before
Barclays Premier £450
- 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
- You’ve never had a switching reward from Barclays. In the terms: Section 3: received a CASS bonus from Barclays in the past
first direct £210
- You’ve never had any first direct product (current account, savings, card or loan). In the terms: You will not be eligible if: previously held a first direct product
- 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
HSBC UK £220
- 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
HSBC Premier £500
- 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
Lloyds £200
- 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
Nationwide Building Society £175
- You haven’t had a switching reward from Nationwide or Virgin Money since 1 Jan 2021. In the terms: Prior offers
NatWest Premier £500
- 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
- You’ve never had a switching reward from NatWest, RBS or Ulster Bank. In the terms: Important information: ever received cash from a NatWest, RBS or Ulster Bank switch offer
NatWest £200
- 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
- You’ve never had a switching reward from NatWest, RBS or Ulster Bank. In the terms: Important information: ever received cash from a NatWest, RBS or Ulster Bank switch offer
RBS £200
- 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
- You’ve never had a switching reward from NatWest, RBS or Ulster Bank. In the terms: Important information: ever received cash from an RBS, NatWest or Ulster Bank switch offer
Santander £240
- 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
- You’ve never had a switching reward from Santander. In the terms: You won’t qualify if: previously received a Santander switching incentive
Your answers in a full plan are checked against exactly these rules, and only offers your answers confirm are counted. If you’re not sure whether you had an account or a reward, your bank’s app or old statements will say; or answer “not sure” and Pocketly won’t count that offer.