Earn up to £300 in switching bonuses

The cheap direct debits you need for bank switching offers.

Most bank switching offers require 2+ active direct debits. Set up your cheap recurring monthly payments in under 60 seconds — from just £1/month, and qualify to earn free cash.

Set Up a Direct Debit How it works
Direct Debit Guarantee Secure Stripe Payments Set up in 60 seconds

A simple process

Three steps to earn free cash for switching bank accounts

i.

Set up your direct debit

Choose your plan and complete checkout in under 60 seconds. No bank details are ever shared with us — all mandates are handled by Stripe.

ii.

Switch your bank account

Apply for a switching offer of your choice. Your Easy Debit direct debit counts toward the active direct debit eligibility requirement.

iii.

Collect your cash reward

Receive £100–£300 directly into your new account. Cancel Easy Debit at any time through your banking app once you no longer need it.

Pricing

Pick your plan

First of the Month
£1/ month

Collected on the first working day of each month.

  • Recurring monthly direct debit
  • Counts toward bank switching eligibility
  • Cancel anytime via your bank
  • Direct Debit Guarantee protection
Set Up Now
Recommended
Setup ASAP
£2/ month

Activated as quickly as possible — ideal if you're in a hurry to qualify.

  • Recurring monthly direct debit
  • Counts toward bank switching eligibility
  • Cancel anytime via your bank
  • Direct Debit Guarantee protection
  • Priority setup — activated ASAP
Set Up Now
One & Done
One & Done
£5/ once

One payment. One month. Auto-cancelled — no need to remember a thing.

  • Single direct debit, collected once
  • Counts toward bank switching eligibility
  • Auto-cancelled after 1 month
  • Priority setup — activated ASAP
  • Direct Debit Guarantee protection
Set Up Now

Need a direct debit on a specific date or custom amount? Contact us and we'll arrange it. All payments processed by Stripe. Protected by the UK Direct Debit Guarantee.

Updated MAY 2026

Current bank switching offers

BankRewardDirect DebitsOther Requirements
First Direct£1752 DDsFull switch via CASS
Lloyds Bank£1752 DDsFull switch, fund account
Nationwide FlexDirect£1752 DDsFull switch via CASS
NatWest / RBS£1502 DDsFull switch, £1,250+ pay in
Santander Edge£1852 DDsFull switch, fund account

Offers change frequently — always verify terms on the bank's website before switching. This table is for guidance only.

Resources

Bank switching guides

Comparison

The Best Cheap Direct Debits for Bank Switching (2026)

Read Guide
Bank Offers

How to get the £175 First Direct switching bonus

Read Guide

Common questions

Frequently asked questions

What are the cheapest direct debits to set up?
The cheapest direct debits to set up for bank switching are usually free transfers to your own savings apps like Moneybox or PayPal. If you need dedicated mandates without tying up your cash, services like Easy Debit offer automated setups from just £1 per month.
What is a cheap Direct Debit?
A cheap Direct Debit is a low-cost, recurring payment mandate set up specifically to qualify for UK bank switching bonuses. These are often used as "burner" mandates so you don't have to move your main household bills.
Will this affect my credit score?
No. Setting up a direct debit mandate does not involve a credit check and will not appear on or affect your credit report in any way.
How many direct debits do I need for bank switching?
Most bank switching offers (including First Direct, Lloyds, and Nationwide) require a minimum of 2 active direct debits. Easy Debit lets you set up as many as you need — there's no limit.
Is Easy Debit safe?
Yes. We never see or store your bank account details. All payment mandates are set up directly through Stripe. You are also protected by the UK Direct Debit Guarantee, which entitles you to an immediate refund from your bank if anything goes wrong.
How quickly does the direct debit appear on my account?
Direct debits typically take 3–5 working days to be confirmed and appear on your account. If you need it activated faster, choose the "Setup ASAP" plan. Do not start your bank switch until you have confirmed the direct debit is active.
Can I cancel at any time?
Yes, absolutely. Cancel your direct debit mandate at any time through your bank — online in your banking app (usually under "Regular Payments") or by calling your bank. You can also email us at info@easydebit.co.uk.
Can I set up more than one direct debit?
Yes — there's no limit. If you need more than 2 direct debits to qualify, simply purchase multiple plans. Contact us at info@easydebit.co.uk if you need a custom date or amount.
How does the "One & Done" plan work?
The One & Done plan sets up a direct debit that collects a single £5 payment and is then automatically cancelled after one month. You don't need to do anything — no logging in, no calling your bank. Designed for those who want zero ongoing commitment.
What is the Direct Debit Guarantee?
The Direct Debit Guarantee is a protection scheme offered by all UK banks and building societies. If an error is made in the payment of your direct debit, you are entitled to a full and immediate refund from your bank. This applies to Easy Debit mandates just like any other.
Where can I find cheap direct debits for bank switching?
Easy Debit provides the cheapest and fastest direct debits for bank switching in the UK. Plans start at just £1 per month, can be set up in under 60 seconds, and are automatically accepted by all major UK banks (including First Direct, NatWest, and Lloyds) for their switching bonuses.