Switch to us

Switch your current account to M&S Bank online

  • Complete your switch in 7 working days

Switch your current account to M&S Bank

How switching bank accounts works

Once your account is open, you can complete the online Switching form, give us a call or pop into a branch and agree a switch date (which can be from 7 to 30 working days away).

If you have any questions about switching or need to discuss your switch, please call 0345 900 0900.

Lines are open 24 hours.

Once your switch date has been agreed, the switching process will start 6 working days in advance of that date.


We’ll let your old bank know you’re moving and ask them to close your old account once everything has been transferred safely. Once this process has started, only certain elements can be cancelled. To find out more take a look at our frequently asked questions.


Your old bank will automatically send us details of your regular payments (Direct Debits, standing orders and bill payments).


We’ll set up all the payment mandates on your new current account, inform all your Direct Debit originators that you've moved banks and give them your new details. Your employer will also be notified so your salary will be redirected.

DAY 7 (the switch date)

Your old bank account will close and any remaining credit balance will be transferred to your new current account. We'll write to you to let you know the switch is complete.

We will arrange for payments accidentally made to your old account to be automatically redirected to your new account. We will also contact the sender and give them your new account details.

Switching bank accounts manually

If your existing current account provider is not a member of the Current Account Switch Service, you can switch manually at no cost.

If you’d like to switch your UK based current account into M&S Bank, you can either get in touch with us and we will send you a Switching form, or you can download, complete and send to us the manual switching form. It also gives you the option to close your old account, but the choice is up to you.

Once we have received your manual switching form we’ll get in touch with your old bank or building society and then confirm with you that your regular payment details are correct, like your standing orders, Direct Debits, and bill payments. We’ll also set a switch date with you so you know when everything’s going to move to M&S Bank.

On the switch date, we’ll arrange for the balance to move over to your M&S Current Account, transfer over the payments you’ve specified, and close your old account if you chose to do so.

We’ll keep you informed of progress throughout the switch process. We’ll process the switch form within two working days, and after we receive all the information we need from you and your old bank we’ll complete the switch within another five working days.

If you are unhappy with any aspect of this service, please get in touch.

Switching away from M&S Bank

If you’re switching your M&S Bank Current AccountM&S Bank Current Account to a new bank or building society who is not a member of the Current Account Switch Service, please get in touch with your new provider to start the switch. Within five working days of receiving the switch request we’ll send a list of your standing orders, Direct Debits and bill payments to your new provider. You'll be able to choose if you want to close your account with us, as well as choose the switching date.

If you're switching out to an EU-based current account outside the UK, we will provide you with a list of active Direct Debits, standing orders, bill payments and regular credits linked to your existing account for the last 13 months. You can then give these to your new provider to help set up your account. If you decide to close your M&S Bank Current Account, please get in touch and we’ll discuss the details with you.

Ready to apply?

Apply over the phone:0345 900 0900

Lines are open 24 hours. Calls are recorded.