Switching bonuses can be worth doing, but only if the admin is tighter than the marketing. Track the requirements, dates and net value before moving a main bills account.
CASS awareSeven-working-day switch planning
Net valueBonus minus fees
ChecklistRequirements tracked
Saved locallyNo account needed
Checklist
Before you press switch
Read exclusions
Some offers exclude previous customers, joint accounts, certain products or customers who received an earlier bonus.
Protect bill timing
Keep enough money in place for rent, mortgage, council tax, childcare, insurance and utilities while the switch completes.
Track proof
Keep screenshots or notes of terms, switch date, pay-ins, direct debits and bonus deadline.