Earn up to £240 in switching bonuses

The £1 direct debit for bank switching offers.

Most bank switching offers require 2+ active direct debits. Set up a £1 direct debit in under 60 seconds and meet the direct debit rule without moving your household bills.

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 £175–£240 directly into your new account. Cancel Easy Debit at any time through your banking app once you no longer need it.

Pricing

£1 direct debit plans, and faster options

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 September 2026

Current bank switching offers

BankRewardDirect DebitsOther Requirements
Santander Everyday£2402 household DDsHousehold bills only (council tax, phone, broadband, TV, utilities). Full switch, pay in £1,500 and £200 into a Regular Saver within 60 days. Ends 7 Oct 2026
HSBC Bank Account£2202 DDsFull switch, pay in £2,000 and spend £500 on debit card within 60 days
First Direct 1st Account£2102 DDs / SOsFull switch, pay in £1,000 and make 5 card payments within 45 days. Open by 2 Dec 2026
Lloyds Bank (Club Lloyds)£2003 DDsFull switch via CASS. Open by 9 Dec 2026. Not from Halifax / Bank of Scotland
NatWest / RBS Select£200None listedFull switch, pay in £1,250 and log in to the app within 60 days
Nationwide FlexDirect£1752 DDsFull switch, pay in £1,000 and make 1 card payment within 31 days

Last checked 26 September 2026. Offers change frequently and most exclude previous customers — always verify terms on the bank's website before switching. This table is for guidance only.

Resources

Bank switching guides

How To

How to set up a direct debit for a bank switch

Read Guide
Explained

What counts as an active direct debit? Bank by bank

Read Guide
Comparison

The Best Cheap Direct Debits for Bank Switching (2026)

Read Guide
Bank Offers

How to get the £220 HSBC switching bonus

Read Guide
Bank Offers

How to get the £210 First Direct switching bonus

Read Guide
Bank Offers

Lloyds £200 switching bonus: meeting the 3 direct debit rule

Read Guide

All guides →

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?
Your direct debit is set up straight away and normally shows in your bank's direct debit list within 1–3 business days. Some banks only treat a direct debit as active once a payment has actually left your account, so wait until the first payment has been collected before you start a switch. On Setup ASAP and One & Done that's usually within 3 business days. On First of the Month it's the first working day of next month. See what counts as an active direct debit for each bank's rules.
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. Banks can take up to 60 days after your switch to check the direct debit requirement, so if you're not sure your bonus will be assessed within a month, choose a monthly plan instead and cancel it once your bonus has been paid.
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 sets up £1 direct debits for bank switching in under 60 seconds. They count towards the direct debit requirement for offers that don't restrict who the payments go to, such as HSBC, first direct, Lloyds and Nationwide. Santander's current offer only counts household bills.