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Santander Unveils £200 Switch Bonus as High-Street Banks Step Up Cash Offers

Strict eligibility rules and short windows highlight how these holiday-season switching deals work.

Overview

  • Santander is offering £200 to new or existing customers who switch to its Everyday, Edge, Edge Up, Edge Explorer or Private accounts using CASS, with the promotion described as time-limited.
  • To qualify, customers must complete a full CASS switch within 60 days, pay in at least £1,500 and set up two active household direct debits, with exclusions for those who held a Santander current account on January 1, 2025 or previously received a Santander switch bonus.
  • Santander says the £200 will be paid within 30 days after eligibility is verified, and a separate 12‑month Kids Pass is available when opening a Santander savings account or cash ISA and depositing £100 within 30 days, limited to one code per customer.
  • Rival deals include Barclays offering £200 on its standard account or £400 on Premier for those earning £75,000 a year or investing £100,000, while Lloyds has a £200 switch bonus plus a referral scheme paying up to £250 to existing customers.
  • Nationwide, NatWest and First Direct have £175 incentives, with Nationwide paying within 10 days once conditions such as two transferred direct debits, a £1,000 deposit and one debit-card payment are met, and banks caution that offers can be withdrawn.