Switch to us

Switch your current account to M&S Bank online

  • Complete your switch in 7 working days

Please note: We are not accepting new switches into M&S current accounts

Current Account Switch Guarantee

Switch your current account to M&S Bank

How switching bank accounts works

Once your account is open, you can switch online, 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 Switching FAQs.


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.

Current Account Switch Guarantee

We have designed the Current Account Switch Service to let you switch your current account from one bank or building society to another in a simple, reliable and stress-free way. It will only take seven working days.

As your new current-account provider we offer the following guarantee:

  • The service is free to use and you can choose and agree your switch date with us
  • We will take care of moving all your payments going out (for example, your Direct Debits and standing orders) and those coming in (for example, your salary)
  • If you have money in your old account, we will transfer it to your new account on your switch date
  • 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
  • If there are any issues in making the switch, we will contact you before your switch date
  • If anything goes wrong with the switch, as soon as we are told, we will refund any interest (paid or lost) and charges incurred on either your old or new current accounts as a result of this failure.
Current Account Switch Guarantee

Third Party Provider permissions

If you've given permissions to Third Party Providers to make payments on your behalf, or to access your financial data, this won't be transferred automatically to your new account as part of the Current Account Switch Service.

  1. Before you close your old account, check whether you have any of these permissions set up. If so, make a note of who with. You can see the permissions you have via the Open Banking dashboard available in Online Banking or in your Mobile Banking app.
  3. Once your new account is open, you can give your permission to the Third Party Provider to access it. You'll need to contact them directly and provide your new account details.
  5. If you're unsure if your new bank will allow the Third Party Provider to access your account, you'll need to discuss this before switching. You can also check your new bank's terms and conditions for more information about Third Party Providers.

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.

If your new bank or building society agrees, bank accounts that include an overdraft can switch using the Current Account Switch Service. And if you'd like to have an overdraft with your new bank account, speak to your new bank or building society before starting your switch.

Your new bank or building society will be able to advise if you're eligible for an overdraft, dependent on their lending criteria and your credit status