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a Monzo account"><span aria-hidden="true"><span class="Button_text__S2FJ_"><span>Sign up</span></span></span></a></span></div></div></header><main id="mainContent" class="Main_main__qK_Jw"><section class=" Section_section__mRxGN Section_forceDarkMode__UnZnw Section_auto__2Ub8u Section_paddingnone__2ufem"><div class="Section_contentContainer__ciYat"><div class="HeroBanner_hero__8Phzz"><div class="Section_container__mkPCF Section_section__mRxGN Section_transparent__1pVXx Section_auto__2Ub8u Section_paddingbottommedium__Kc17e"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textLeft__FXaVt Block_orderRight__au5W_ Block_orderBottom__pqOc1 Block_horizontalCenter__Hc_pi Block_verticalMiddle__vqNW5 Block_paddingHorizontalSmall__i62HY Block_paddingVerticalSmall__5ZA7U Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE"><div class="Block_contentContainer__CWeAy"><div class="HeroBanner_heroMedia__1nKQ8"><picture><source type="image/avif" srcSet="https://images.ctfassets.net/ro61k101ee59/2P6JCyaswWevYDNnGylnYl/f018acaf5e516b9bd7c4e3712eb5c78e/Switch_to_Monzo_Hero.png?w=2400&q=75&fm=avif"/><source type="image/webp" srcSet="https://images.ctfassets.net/ro61k101ee59/2P6JCyaswWevYDNnGylnYl/f018acaf5e516b9bd7c4e3712eb5c78e/Switch_to_Monzo_Hero.png?w=2400&q=75&fm=webp"/><img src="https://images.ctfassets.net/ro61k101ee59/2P6JCyaswWevYDNnGylnYl/f018acaf5e516b9bd7c4e3712eb5c78e/Switch_to_Monzo_Hero.png?w=2400&q=75" alt="Switch your current account to Monzo." width="2360" loading="lazy"/></picture></div></div></div><div class="Block_block__Q3GQF Block_forceDarkMode__vY6vw Block_transparent__FJxI6 Block_textLeft__FXaVt Block_orderLeft__kf4S1 Block_orderTop__qlV9j Block_verticalMiddle__vqNW5 Block_paddingHorizontalMedium__jHl0b Block_paddingVerticalNone__65947 Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE HeroBanner_heroBannerBlockContent__stdAX"><div class="Block_contentContainer__CWeAy"><div class="spacing_vSpacing10__Vw3Bl"><h1 class="Title_title__6QR87 Title_forceDarkMode__UjAB1 Title_primary__m7Tjj text-heading-1 Title_left___R_Ga Title_marginBottom__TiQqA HeroBanner_heroTitle__l9Owc" id="switch-to-monzo">Switch to Monzo</h1><div class="Markdown_Markdown__aEd_X Markdown_dark__2sqVQ" data-testid="markdown"><div class="Text_text__CSJ_O Text_lead___fdMb Text_forceDarkMode__G2s7d Text_marginBottom___UK4L"><p>The Current Account Switch Service means moving payments or making Monzo your main account is a breeze.</p></div><img src="//images.ctfassets.net/ro61k101ee59/3Qos8Vaay1j7cTLsgl6mHK/5dc0eaf19064f59229676b477440d7b5/switch-guarantee.png" alt="CASS Switch Guarantee logo" width="160"/></div></div><div class="HeroBanner_legalTextContainer__MDph9"><div class="Markdown_Markdown__aEd_X Markdown_dark__2sqVQ" data-testid="markdown"><br/>UK residents only. Ts&Cs apply.</div></div></div></div></div></div></div></div></section><section class="Section_section__mRxGN Section_primary__kY5xJ Section_auto__2Ub8u"><div class="Section_contentContainer__ciYat"><div class="CardList_CardList__xh9wK CardList_autofit__KNjIe"><div class="Card_cardWrapper__TTeTI" data-testid="cardWrapper"><div class="Card_card__zEK7Z Card_light__flWgn Card_secondary__Xsm9Q Card_paddingtopmedium__8XW__ Card_paddingbottommedium__kJTwQ"><div class="Card_titleContainer__bkMxU"><img class="undefined Icon_icon__Haypr Icon_addMargin__1i9ZI Icon_transparent__gOWmA Icon_large__McJOc Icon_image__BmpRz Icon_noFill__Cnqz2" src="https://images.ctfassets.net/ro61k101ee59/4rIOpoJB0w15XhQ8pdgdP1/f58c7843f57eca07b288f04f4ffcefe6/Switch_Service.png" aria-hidden="true" alt="" loading="lazy"/><h3 class="Card_title__2ya4E">What’s the Current Account Switch Service?</h3></div><div class="Card_descriptionContainer__dX1OP"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O"><p>The <a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="https://www.currentaccountswitch.co.uk/Pages/Home.aspx" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">Current Account Switch Service</span></a> is a not-for-profit organisation that lets people move quickly and easily between bank accounts. We’ve teamed up with them so it’s painless for you to switch your personal, joint and business accounts to Monzo.</p></div></div></div></div></div><div class="Card_cardWrapper__TTeTI" data-testid="cardWrapper"><div class="Card_card__zEK7Z Card_light__flWgn Card_secondary__Xsm9Q Card_paddingtopmedium__8XW__ Card_paddingbottommedium__kJTwQ"><div class="Card_titleContainer__bkMxU"><img class="undefined Icon_icon__Haypr Icon_addMargin__1i9ZI Icon_transparent__gOWmA Icon_large__McJOc Icon_image__BmpRz Icon_noFill__Cnqz2" src="https://images.ctfassets.net/ro61k101ee59/6wKoWIMzEZfjGDnL5kVgEx/d56a5098af9f9366d264dc90d0a2d2ac/Covered.png" aria-hidden="true" alt="" loading="lazy"/><h3 class="Card_title__2ya4E">You’re covered</h3></div><div class="Card_descriptionContainer__dX1OP"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O"><p>Full switches are covered by the Current Account Switch Guarantee, so if anything goes wrong you won’t be left out of pocket. And we’ll make sure any payments to your old account always make it to the right place, even after your old account is long gone.</p></div></div></div></div></div></div></div></section><div><section class=" Section_section__mRxGN Section_secondary__NxgD1 Section_auto__2Ub8u"><div class="Section_contentContainer__ciYat"><div class="Section_container__mkPCF Section_section__mRxGN Section_secondary__NxgD1 Section_auto__2Ub8u"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textLeft__FXaVt Block_horizontalCenter__Hc_pi Block_verticalMiddle__vqNW5 Block_paddingHorizontalMedium__jHl0b Block_paddingVerticalMedium__5Q4LL Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE Block_orderLeftMd__hA7NI Block_orderLeftSm___aCOK Block_orderBottomXs__ziQdx"><div class="Block_contentContainer__CWeAy"><div class="TextAndImageSection_assetContainer__qkOth"><div class="TextAndImageSection_imageContainer__K6h9M"><picture><source type="image/avif" srcSet="https://images.ctfassets.net/ro61k101ee59/5rSLs2CJM1qpGDPDH9W4KD/319e880f2212b3f08664b98308d289c8/Switch_to_Monzo.png?w=800&q=75&fm=avif"/><source type="image/webp" srcSet="https://images.ctfassets.net/ro61k101ee59/5rSLs2CJM1qpGDPDH9W4KD/319e880f2212b3f08664b98308d289c8/Switch_to_Monzo.png?w=800&q=75&fm=webp"/><img src="https://images.ctfassets.net/ro61k101ee59/5rSLs2CJM1qpGDPDH9W4KD/319e880f2212b3f08664b98308d289c8/Switch_to_Monzo.png?w=800&q=75" alt="Current account switch screen with the message "Time to go full Monzo"." width="400" loading="lazy"/></picture></div></div></div></div><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textLeft__FXaVt Block_horizontalCenter__Hc_pi Block_verticalMiddle__vqNW5 Block_paddingHorizontalMedium__jHl0b Block_paddingVerticalMedium__5Q4LL Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE Block_orderRightMd__320DP Block_orderRightSm__jfS86 Block_orderBottomXs__ziQdx"><div class="Block_contentContainer__CWeAy"><div class="TextAndImageSection_blockContainer__K26Sa"><div class="spacing_vSpacing10__Vw3Bl"><h3 class="Title_title__6QR87 Title_primary__m7Tjj text-heading-3 Title_left___R_Ga Title_marginBottom__TiQqA" id="switch-to-monzo-hassle-free">Switch to Monzo hassle-free</h3><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>No trips to the bank. No messing with ID and statements. You just need to tell us when you want to move, and we'll do the rest in 7 working days.</p></div></div></div></div></div></div></div></div></div></section></div><div><section class=" Section_section__mRxGN Section_primary__kY5xJ Section_auto__2Ub8u"><div class="Section_contentContainer__ciYat"><div class="Section_container__mkPCF Section_section__mRxGN Section_primary__kY5xJ Section_auto__2Ub8u"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textLeft__FXaVt Block_horizontalCenter__Hc_pi Block_verticalMiddle__vqNW5 Block_paddingHorizontalMedium__jHl0b Block_paddingVerticalMedium__5Q4LL Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE Block_orderRightMd__320DP Block_orderRightSm__jfS86 Block_orderBottomXs__ziQdx"><div class="Block_contentContainer__CWeAy"><div class="TextAndImageSection_assetContainer__qkOth"><div class="TextAndImageSection_imageContainer__K6h9M"><picture><source type="image/avif" srcSet="https://images.ctfassets.net/ro61k101ee59/1KFIRCYaF1Zv0AnunQd7Wr/ce69ca17dac6ad3dac2db43d87dd1ba9/Move_your_whole_account.png?w=800&q=75&fm=avif"/><source type="image/webp" srcSet="https://images.ctfassets.net/ro61k101ee59/1KFIRCYaF1Zv0AnunQd7Wr/ce69ca17dac6ad3dac2db43d87dd1ba9/Move_your_whole_account.png?w=800&q=75&fm=webp"/><img src="https://images.ctfassets.net/ro61k101ee59/1KFIRCYaF1Zv0AnunQd7Wr/ce69ca17dac6ad3dac2db43d87dd1ba9/Move_your_whole_account.png?w=800&q=75" alt="" width="400" loading="lazy"/></picture></div></div></div></div><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textLeft__FXaVt Block_horizontalCenter__Hc_pi Block_verticalMiddle__vqNW5 Block_paddingHorizontalMedium__jHl0b Block_paddingVerticalMedium__5Q4LL Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE Block_orderLeftMd__hA7NI Block_orderLeftSm___aCOK Block_orderBottomXs__ziQdx"><div class="Block_contentContainer__CWeAy"><div class="TextAndImageSection_blockContainer__K26Sa"><div class="spacing_vSpacing10__Vw3Bl"><h3 class="Title_title__6QR87 Title_primary__m7Tjj text-heading-3 Title_left___R_Ga Title_marginBottom__TiQqA" id="move-your-whole-account">Move your whole account</h3><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>We’ll move your money and payments (like Direct Debits and standing orders), and close down your old account for you.</p></div></div></div></div></div></div></div></div></div></section></div><div><section class=" Section_section__mRxGN Section_secondary__NxgD1 Section_auto__2Ub8u"><div class="Section_contentContainer__ciYat"><div class="Section_container__mkPCF Section_section__mRxGN Section_secondary__NxgD1 Section_auto__2Ub8u"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textLeft__FXaVt Block_horizontalCenter__Hc_pi Block_verticalMiddle__vqNW5 Block_paddingHorizontalMedium__jHl0b Block_paddingVerticalMedium__5Q4LL Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE Block_orderLeftMd__hA7NI Block_orderLeftSm___aCOK Block_orderBottomXs__ziQdx"><div class="Block_contentContainer__CWeAy"><div class="TextAndImageSection_assetContainer__qkOth"><div class="TextAndImageSection_imageContainer__K6h9M"><picture><source type="image/avif" srcSet="https://images.ctfassets.net/ro61k101ee59/3D4DliUFK0YiwQijcAw2kx/12b6aae21f48e32ffbce2f70a7e03c8e/Want_to_Switch.png?w=800&q=75&fm=avif"/><source type="image/webp" srcSet="https://images.ctfassets.net/ro61k101ee59/3D4DliUFK0YiwQijcAw2kx/12b6aae21f48e32ffbce2f70a7e03c8e/Want_to_Switch.png?w=800&q=75&fm=webp"/><img src="https://images.ctfassets.net/ro61k101ee59/3D4DliUFK0YiwQijcAw2kx/12b6aae21f48e32ffbce2f70a7e03c8e/Want_to_Switch.png?w=800&q=75" alt="A screen showing various features within the Monzo app, highliting the option to switch to Monzo." width="400" loading="lazy"/></picture></div></div></div></div><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textLeft__FXaVt Block_horizontalCenter__Hc_pi Block_verticalMiddle__vqNW5 Block_paddingHorizontalMedium__jHl0b Block_paddingVerticalMedium__5Q4LL Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE Block_orderRightMd__320DP Block_orderRightSm__jfS86 Block_orderBottomXs__ziQdx"><div class="Block_contentContainer__CWeAy"><div class="TextAndImageSection_blockContainer__K26Sa"><div class="spacing_vSpacing10__Vw3Bl"><h3 class="Title_title__6QR87 Title_primary__m7Tjj text-heading-3 Title_left___R_Ga Title_marginBottom__TiQqA" id="want-to-switch">Want to switch?</h3><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><ol class="List_List__QAbJI List_light__OI_4n List_margin__RxbID"><li class=""><div class="Text_text__CSJ_O"><p>Click the 'Home' tab at the bottom of the app</p></div></li><li class=""><div class="Text_text__CSJ_O"><p>Click the circle with your face on, top left</p></div></li><li class=""><div class="Text_text__CSJ_O"><p>Scroll down to 'Do more with Monzo'</p></div></li><li class=""><div class="Text_text__CSJ_O"><p>Click 'Switch to Monzo' and follow the process</p></div></li></ol></div></div></div></div></div></div></div></div></section></div><section class="Section_section__mRxGN Section_auto__2Ub8u"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textLeft__FXaVt Block_paddingHorizontalMedium__jHl0b Block_paddingVerticalMedium__5Q4LL Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE"><div class="Block_contentContainer__CWeAy"><div class="Accordion_Accordion__a3Zuv Accordion_light__6aRHQ"><details class="Accordion_AccordionItem__W_S6Q Accordion_light__6aRHQ"><summary><h3 class="Title_title__6QR87 Title_primary__m7Tjj text-heading-4 Title_left___R_Ga" id="third-party-provider-permissions">Third Party Provider permissions</h3></summary><div class="Accordion_AccordionContent__vHTiq"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>If you've given permission to third-party providers (like payment services, money management apps or financial comparison sites) to make payments on your behalf or access any of your data, that access won't transfer automatically when you use the Current Account Switch Service to switch to Monzo.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>If you want to bring access to the same services across with you will need to:</p></div><ul class="List_List__QAbJI List_light__OI_4n List_margin__RxbID"><li class=""><div class="Text_text__CSJ_O"><p>Cancel and re-authorise these with your new account details.</p></div></li><li class=""><div class="Text_text__CSJ_O"><p>Contact the third party providers directly to discuss arranging set up at your new bank</p></div></li><li class=""><div class="Text_text__CSJ_O"><p>Check which third-party provider permissions you have on the old account before the account is closed. Make a list of the ones you want to keep.</p></div></li></ul><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>Once your switch to Monzo is finished, follow the third-party provider instructions on how to update your details.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>Please bear in mind that not all third-party services are supported by all banks and building societies, so you might not be able to keep using all the same services with your new account.</p></div></div></div></details><details class="Accordion_AccordionItem__W_S6Q Accordion_light__6aRHQ"><summary><h3 class="Title_title__6QR87 Title_primary__m7Tjj text-heading-4 Title_left___R_Ga" id="current-account-switch-guarantee">Current Account Switch Guarantee</h3></summary><div class="Accordion_AccordionContent__vHTiq"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div style="margin-bottom:1rem"><img src="https://images.ctfassets.net/ro61k101ee59/2biSPmfnBlFr3abmW02YBC/8bb83db77a3ca8239b30a913146158b6/image_1.png" alt="" width="140"/></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>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.</p></div><ul class="List_List__QAbJI List_light__OI_4n List_margin__RxbID"><li class=""><div class="Text_text__CSJ_O"><p>The service is free to use and you can choose and agree your switch date with us.</p></div></li><li class=""><div class="Text_text__CSJ_O"><p>We will take care of moving your payments going out (for example, your Direct Debits and standing orders) and those coming in (for example, your salary).</p></div></li><li class=""><div class="Text_text__CSJ_O"><p>If you have money in your old account, we will transfer it to your new account on your switch date.</p></div></li><li class=""><div class="Text_text__CSJ_O"><p>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.</p></div></li><li class=""><div class="Text_text__CSJ_O"><p>If there are any issues in making the switch, we will contact you before your switch date.</p></div></li><li class=""><div class="Text_text__CSJ_O"><p>If anything goes wrong with the switch, as soon as we are told, we will refund any interest (paid or lost) and charges made on either your old or new current accounts as a result of this failure.</p></div></li></ul><div style="text-align:right;margin-top:0.5rem"><img src="https://images.ctfassets.net/ro61k101ee59/7iGtMZMvNiEw3mZnB1tuiI/e44bd0e9fe23b1bd9ade237233062b1b/plain-english-crystal-mark.png" alt="Plain English Crystal Mark" width="120"/></div></div></div></details><details class="Accordion_AccordionItem__W_S6Q Accordion_light__6aRHQ"><summary><h3 class="Title_title__6QR87 Title_primary__m7Tjj text-heading-4 Title_left___R_Ga" id="current-account-switch-guide">Current Account Switch Guide</h3></summary><div class="Accordion_AccordionContent__vHTiq"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>About the service</strong></p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>The Current Account Switch Service makes switching current accounts from one UK bank or building society to another simple, reliable and stress-free. The service is available to consumers and small businesses, charities and trusts and allows you to choose a switch date that suits you.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>The benefits</strong></p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>The new service provides all of the following benefits: • All your payments (in and out) will be moved to your new account. • Any remaining credit balance in your old account will be transferred to your new account and your old account will automatically close. • If any payments are accidentally made to your old account after your switch date, they’ll be automatically redirected or forwarded to your new account. • The switch process will be managed entirely by your new bank or building society and will be backed by the Current Account Switch Guarantee.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>The guarantee provides the following:</strong></p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>The Current Account Switch Guarantee ensures your current account will switch on a day of your choice, your payments will be automatically transferred and redirected to your new account, and in the unlikely event anything goes wrong with your switch, we will refund any interest and charges (incurred on your old or new current accounts) as a result of this failure as soon as it is brought to our attention.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>How to switch</strong></p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>Step 1. Complete a Current Account Agreement Form so your new bank can set up your switch. Step 2. Complete a Current Account Closure Instruction Form to authorise closure of your old account. Step 3. Agree a switch date that is at least 7 working days after your new account has been set up. Step 4. Relax as your new bank manages the switch (you will be contacted if there are any payments that cannot be transferred). Step 5. Continue to use your old account until your switch date.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>On your switch date</strong></p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>All of the following will happen on your switch date: • Your payments (such as Direct Debits, Standing Orders and Bill Payments) will have all been transferred to your new account. • Any credit balance from your old account will have been transferred to your new account. • Your new account will be ready to use. • Your old account will be closed.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>Other useful information</strong></p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>Third party providers</strong></p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>If you have given permissions to Third Party Providers to make payments on your behalf, or to access your financial data, access to these services won’t be transferred automatically to your new account as part of the Current Account Switch Service.</p></div><ol class="List_List__QAbJI List_light__OI_4n List_margin__RxbID"><li class=""><div class="Text_text__CSJ_O"><p>Before you close your old account, check whether you have any Third Party Provider permissions set up and if so, who with.</p></div></li><li class=""><div class="Text_text__CSJ_O"><p>Once your new account is open you can give your permission to the Third Party Provider to access your new account by providing them with your new account details. You will need to contact the Third Party Provider directly yourself to set this up.</p></div></li><li class=""><div class="Text_text__CSJ_O"><p>If you are unsure as to whether your new bank will support the Third Party Provider permissions on your account, you will need to discuss this ahead of your switch with your new provider who will be able to advise you of this. Please check your new provider’s terms and conditions for more information about Third Party Providers.</p></div></li></ol><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>Continuous Payment Authority (CPA)</strong></p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>A CPA payment is a type of recurring payment that a merchant sets up on a customer's account using the debit card details. Examples of common CPA payments are Spotify and Netflix. CPAs do not transfer to your new bank during a switch so if you want to continue using them you will need to set them up again with the merchant.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>Other types of recurring payments such as Direct Debits or standing orders will transfer to your new bank.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>Overdrafts</strong></p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>If your new bank or building society agrees, bank accounts that include an overdraft can switch using the Current Account Switch Service. 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.</p></div></div></div></details><details class="Accordion_AccordionItem__W_S6Q Accordion_light__6aRHQ"><summary><h3 class="Title_title__6QR87 Title_primary__m7Tjj text-heading-4 Title_left___R_Ga" id="current-account-switch-faqs">Current Account Switch FAQs</h3></summary><div class="Accordion_AccordionContent__vHTiq"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>1a. Personal</strong> <strong>Can I switch my current account?</strong></p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>Yes, you can use the service to switch accounts from and to any of the participating banks and building societies.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>1b. Business</strong> <strong>Can I switch my current account?</strong></p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>Yes, so long as you have an annual turnover that does not exceed £6.5 million and you employ fewer than 50 people. If you are a small trust with a net asset value of less than £6.5 million you can also use the service. If you are still unsure whether you qualify, speak to us in-app.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>2. Can I switch my savings account?</strong></p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>No, we can’t switch savings accounts or ISAs.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>3. I have a joint account. Can I switch my current account?</strong></p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>Yes, as long as both parties agree to the switch and you are switching to another joint account. It is not possible to use the service to switch a joint account to a sole account.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>4. Can I switch my current account if I am overdrawn?</strong></p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>Yes. You will need to agree any overdraft facilities you require with us before you switch.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>5. Is the Current Account Switch Guarantee the same for all banks?</strong></p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>Yes, all banks and building societies that display the Current Account Switch Guarantee Trustmark will follow the same switching process and must offer the same guarantees. There are over 40 participating banks and building societies in the UK and you can see them here:<br/><a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="http://www.currentaccountswitch.co.uk/banks-building-societies/" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">www.currentaccountswitch.co.uk/banks-building-societies/</span></a>.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>6. What if my bank is not signed up to the Current Account Switch Guarantee?</strong></p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>If your old or new bank is not signed up, then you won't be able to use the Current Account Switch Service. You should talk to your new bank to find out how to switch your account.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>7. Who provides the guarantee?</strong></p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>As a participant of the Current Account Switch Service, Monzo guarantees your switching process. Bacs, the people behind Direct Debits and Direct Credits in the UK, manage and oversee the service.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>8. Can I choose my switch date?</strong></p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>Yes, you can choose and agree a switch date with us. Just make sure you allow seven working days for the switch to take place and that your chosen date isn't a Saturday, Sunday or Bank Holiday.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>9. Are account opening and account switching all part of the same process</strong></p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>Account opening and account switching are separate processes. We carry out ‘know your customer’ security checks as part of our account opening process. Once these are complete you can choose and agree your switch date.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>10. When does the switch begin?</strong></p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>Once you have applied for and opened your new account, you can choose the switch date to suit you. The date of your switch must be at least seven working days from this point.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>11. Will the Current Account Switch Service automatically transfer new payment arrangements if I set them up at my old bank within 7 working days of the switch date agreed with Monzo?</strong></p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>No. The Current Account Switch Service will take care of all payment arrangements at your old bank up until 7 working days before your agreed switch date. If you want to set up new payment arrangements during the 7 working day period leading up to your switch date you must do this on your new account.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>12. Will my recurring card payments be transferred over as part of a switch?</strong></p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>Recurring card payments, or Continous Payment Authority (CPA) payments are not transferred over as part of a switch, you will need to set them up with the merchant on your new bank. Examples of common CPA payments are Spotify and Netflix. Other recurring payments such as Direct Debits or standing orders will transfer to your new bank.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>13. Do I have to close my old account?</strong></p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>If you use the Current Account Switch Service to switch, your old bank will close your old account. This ensures that any payments made to your old account are automatically redirected to your new account. If you would like to keep your old account open then you are free to do so, but you won’t be able to use the Current Account Switch Service to do this, and you will not be covered by the Guarantee. Speak to us in-app and find out more.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>14. What happens to payments that people send to my old account?</strong></p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>All incoming and outgoing payments will be automatically redirected to your new account. Each time a payment is redirected, an automatic message is sent back to the originator advising them of your new account details so they can update their records. Some organisations may contact you directly to confirm your details have changed. If you do not want your new details to be given to someone who sends a one-off payment, contact us in-app.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>15. When will the money in my old account be transferred to my new account?</strong></p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>You will be able to access the funds in your old account up to and until your switch date, when they will be transferred to your new account.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>16. If the switch is delayed for any reason, can I still use my new account?</strong></p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>Yes, if the new account is open and you have money in it (or an overdraft agreed) then you can use it.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>17. What happens to any debit card transactions or Direct Debits that I have asked my old bank to stop?</strong></p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>The Current Account Switch Service will not interfere with this process and any debit card or Direct Debit transactions that you have asked your bank to stop should remain stopped after your switch.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>18. What will happen to any refunds applied to my old debit card after my old account is closed?</strong></p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>Any refunds which are applied to your old debit card after switching your account will be sent to your Monzo account. If you are expecting a refund and have not received it, please contact us in-app.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>19. What if I change my mind?</strong></p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>You can cancel your switch up to seven working days before your switch date. If you do want to cancel, speak to us in-app.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>20a. Personal</strong></p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>Monzo says I need to update my personal details with my old bank. Why? If the details you provide to your new bank do not match those held by your old bank you may be asked to contact your old bank and update them. Examples include if you have got married and not changed your maiden name to your married name, or if you have moved house and not told your old bank your new address. When you are updating your details with your old bank you do not have to tell them that you will be switching to a new bank.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>20b. Business</strong></p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>Monzo says my business details do not match those held with my old bank. Do I need to update them? Yes, you need to update them, but you do not need to tell your bank that you are switching to a new bank. Examples include if you have changed your address and not told your old bank.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>21. What will happen to my Paym registration when I switch?</strong></p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>On your switch date your old bank or building society will de-register your mobile phone number from Paym. If your new bank or building society offers Paym then you can re-register your mobile number with them. You can do this on or after your switch date, or earlier if you de-register your mobile number at your old bank or building society yourself.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>22. I’ve allowed third parties (such as financial comparison websites, money management apps and payment services) access to my financial data. Will this be switched too?</strong></p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>No, you’ll need to cancel and re-authorise these with your new account details. You would need to contact the third party providers directly to discuss arranging set up at Monzo. If your old account is still open, your bank will be able to tell you which third parties you’ve given permission to make payments on your behalf, and/ or access your financial data.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>Not all Third Party Providers services are supported by all banks and building societies, so there’s a chance that the Third Party Providers on your old account may not be able to access your new account. Please check Monzo's terms and conditions for more information about Third Party Providers.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>23. Monzo doesn’t allow me to give my financial data to third parties. What will happen to third-party authorisations on my old account?</strong></p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>Unfortunately, you’ll no longer be able to use these services and any payments you have set up through them will end. If you’re not sure whether you have any third-party authorisations set up on your old account, check with your old bank before you close the account.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>24. What happens to my old bank statements after I switch?</strong></p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>Your transaction history on your old account won’t be transferred through the Current Account Switch Service. If you’d like your old statements get in touch with your old bank.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>25. What happens if there is a mistake or unnecessary delay in the switching process?</strong></p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>In the unlikely event that there are any issues in starting the switch, we will inform you before your switch date. If anything goes wrong, we will ensure that any charges or interest incurred on your old and/or new account as a result of the error will be refunded. It is for Monzo to decide whether you receive compensation above and beyond the refund.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>26. Will switching my current account affect my credit rating?</strong></p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>Simply switching from one bank to another using the Current Account Switch Service will not affect your credit rating. However, when you open a new bank account, Monzo may run a credit score check which could affect your credit rating. In the unlikely event that during the switch you encounter any problems with payments (such as a standing order), we will correct them and ensure your credit rating is not affected.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>27. Can I be sure that all payments made to my old account are redirected?</strong></p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>Yes, any payments made to your old account will automatically be redirected to your new account. Each time a payment is redirected, an automatic message is sent back to the originator advising them of your new account details so they can update their records. Some organisations may contact you directly to confirm your details have changed. Let us know in-app if you do not want us to provide your details to anyone.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>28. My switch is not going as promised. Who do I contact?</strong></p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>If there’s a problem with your switch you should contact us in-app. If you've got any questions about the switching process, take a look at how to switch here:<a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="http://www.currentaccountswitch.co.uk/how-to-switch/" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">www.currentaccountswitch.co.uk/how-to-switch/</span></a>.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>29. My Direct Debit hasn’t moved across after I’ve switched. What do I do?</strong></p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>If you're missing a Direct Debit and your switch is complete, contact us in-app. Remember all payments are covered by the Current Account Switch Guarantee and any charges or interest incurred on your old or new account as a result of the error will be refunded.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>30. Who do I tell if I think the Current Account Switch Service does not meet my requirements? (Please note: if you have a complaint about the way the service has been delivered by Monzo please contact us in-app.)</strong></p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>If you think you have found a flaw, or missing feature, in the service design, or in the way that Bacs operates the service, please contact:</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>By email: Complete the Contact form on currentaccountswitch.co.uk, including a summary of the issue that you would like to raise.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>By post: CASS Advisor, Bacs Payment Schemes Limited, 2 Thomas More Square, London, E1W 1YN. Enclosing a summary of the issue that you would like to raise.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>Pay.UK will acknowledge receipt within 2 working days of receiving the email / letter and for more complex questions provide a detailed (initial) response within 10 working days.</p></div></div></div></details></div></div></div></div></section><div class="CTASection_cta__tFYme CTASection_aboveFooter__B_5Ct "><section class="Section_section__mRxGN Section_primary__kY5xJ Section_auto__2Ub8u Section_paddingtopnone__RBh7i Section_paddingbottomnone__1i30t"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_forceDarkMode__vY6vw Block_coral__27ckz Block_textCenter__WvWTU Block_horizontalCenter__Hc_pi Block_paddingHorizontalSmall__i62HY Block_paddingVerticalXxlarge__Ylzar Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE CTASection_ctaSectionBlock__8SQt9"><div class="Block_contentContainer__CWeAy"><div 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loading="lazy"/></span></span></a><a class="Button_button__OFOdO Button_link__wbUuG Button_center__lDq2_ Button_hasIcon__CQ1JK" data-monzoanalytics-no-tracking="true" target="_blank" href="https://www.instagram.com/monzo" rel="noopener noreferrer external" aria-label="Instagram"><span aria-hidden="true"><span class="Button_iconWrapper__NO5bx"><img class="undefined Icon_icon__Haypr Icon_transparent__gOWmA Icon_large__McJOc Icon_image__BmpRz" src="https://static-assets.monzo.com/monzo-com/f04fcb3c609b211d8757da342702c8cb8af5525d/_next/static/media/instagram.1bbdc4ed.svg" aria-hidden="true" alt="" loading="lazy"/></span></span></a><a class="Button_button__OFOdO Button_link__wbUuG Button_center__lDq2_ Button_hasIcon__CQ1JK" data-monzoanalytics-no-tracking="true" target="_blank" href="https://www.facebook.com/monzobank" rel="noopener noreferrer external" aria-label="Facebook"><span aria-hidden="true"><span class="Button_iconWrapper__NO5bx"><img class="undefined Icon_icon__Haypr 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target="_blank" href="https://www.youtube.com/monzobank" rel="noopener noreferrer external" aria-label="Youtube"><span aria-hidden="true"><span class="Button_iconWrapper__NO5bx"><img class="undefined Icon_icon__Haypr Icon_transparent__gOWmA Icon_large__McJOc Icon_image__BmpRz" src="https://static-assets.monzo.com/monzo-com/f04fcb3c609b211d8757da342702c8cb8af5525d/_next/static/media/youtube.8039ba10.svg" aria-hidden="true" alt="" loading="lazy"/></span></span></a></div></footer><div class="Footer_copyrightNoticeContainer__JzD6V Footer_forceDarkMode__Oimpe"><div class="Footer_copyrightNotice__ZGhed"><div class="Text_text__CSJ_O Text_forceDarkMode__G2s7d Text_marginBottom___UK4L"><p><strong>Existing customers can get help via the app</strong></p></div><div class="Footer_termsContainer__qr7IS"><div class="Text_text__CSJ_O Text_forceDarkMode__G2s7d Text_marginBottom___UK4L"><p><small>Monzo Bank Limited is a company registered in England and Wales (No.09446231). Monzo Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our financial Services Register number is 730427. Our address is Broadwalk House, 5 Appold St, London EC2A 2AG.</small></p></div></div></div></div></div></div><script id="__NEXT_DATA__" type="application/json" crossorigin="anonymous">{"props":{"pageProps":{"anonID":"anon_6287bc4f-2cc7-4156-a8f6-8766fb68e0ff","experimentsWithDefaults":[{"experimentID":"ca_homepage_navigation_cta_pairing","defaultVariant":"control"},{"experimentID":"header_navigation_reorder","defaultVariant":"control"}],"preview":false,"head":{"title":"Switch to Monzo","locale":"en-GB","rootUrl":"https://monzo.com","slug":"/switch","description":"","ogImage":"//images.ctfassets.net/ro61k101ee59/X7VAaraHbu2GYnBz99vNk/59dbbb30d968176c464acb12ced3c958/Open_Graph_current_account.jpg"},"pageTheme":"default","sections":[{"content":[],"data":{"target":{"fields":{"heroImage":{"fields":{"description":"Switch your current account to Monzo.","file":{"contentType":"image/png","details":{"image":{"height":2136,"width":2360},"size":440887},"fileName":"Switch to Monzo Hero.png","url":"//images.ctfassets.net/ro61k101ee59/2P6JCyaswWevYDNnGylnYl/f018acaf5e516b9bd7c4e3712eb5c78e/Switch_to_Monzo_Hero.png"},"title":"Switch to Monzo Hero"},"metadata":{"concepts":[],"tags":[]},"sys":{"createdAt":"2022-11-21T13:25:54.604Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"2P6JCyaswWevYDNnGylnYl","locale":"en-GB","publishedVersion":7,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Asset","updatedAt":"2022-11-21T13:25:54.604Z"}},"legalText":"\u003cbr/\u003e\nUK residents only. Ts\u0026Cs apply.","mobileHeroImage":{"fields":{"file":{"contentType":"image/png","details":{"image":{"height":1316,"width":1340},"size":66802},"fileName":"Switch to Monzo (mobile).png","url":"//images.ctfassets.net/ro61k101ee59/38EHrotdfm9XKMH1KM9HQO/0bb8b18e20e117862c4db090c76dffba/Switch_to_Monzo__mobile_.png"},"title":"Switch to Monzo (mobile)"},"metadata":{"concepts":[],"tags":[]},"sys":{"createdAt":"2022-11-29T12:42:47.187Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"38EHrotdfm9XKMH1KM9HQO","locale":"en-GB","publishedVersion":2,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Asset","updatedAt":"2022-11-29T12:42:47.187Z"}},"pageDescription":"The Current Account Switch Service means moving payments or making Monzo your main account is a breeze.\n\n\u003cimg src=\"//images.ctfassets.net/ro61k101ee59/3Qos8Vaay1j7cTLsgl6mHK/5dc0eaf19064f59229676b477440d7b5/switch-guarantee.png\" alt=\"CASS Switch Guarantee logo\" width=\"160\"/\u003e","pageTitle":"Switch to Monzo"},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"cmsSectionHero","linkType":"ContentType","type":"Link"}},"createdAt":"2021-06-11T10:00:44.927Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"Em4vNt44Eng9qK3hFtdQN","locale":"en-GB","publishedVersion":31,"revision":4,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2024-05-15T14:36:49.984Z"}}},"nodeType":"embedded-entry-block"},{"content":[],"data":{"target":{"fields":{"direction":"horizontal","icon1":{"fields":{"description":"","file":{"contentType":"image/png","details":{"image":{"height":48,"width":48},"size":908},"fileName":"Switch Service.png","url":"//images.ctfassets.net/ro61k101ee59/4rIOpoJB0w15XhQ8pdgdP1/f58c7843f57eca07b288f04f4ffcefe6/Switch_Service.png"},"title":"Switch Service"},"metadata":{"concepts":[],"tags":[]},"sys":{"createdAt":"2022-11-21T15:10:21.655Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"4rIOpoJB0w15XhQ8pdgdP1","locale":"en-GB","publishedVersion":6,"revision":2,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Asset","updatedAt":"2022-11-21T15:19:07.859Z"}},"icon2":{"fields":{"description":"","file":{"contentType":"image/png","details":{"image":{"height":48,"width":48},"size":927},"fileName":"Covered.png","url":"//images.ctfassets.net/ro61k101ee59/6wKoWIMzEZfjGDnL5kVgEx/d56a5098af9f9366d264dc90d0a2d2ac/Covered.png"},"title":"Covered"},"metadata":{"concepts":[],"tags":[]},"sys":{"createdAt":"2022-11-21T15:10:21.649Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"6wKoWIMzEZfjGDnL5kVgEx","locale":"en-GB","publishedVersion":6,"revision":2,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Asset","updatedAt":"2022-11-21T15:19:23.874Z"}},"sectionNameInternal":"Personal Account Switch - Top Triptych","text1":"The [Current Account Switch Service](https://www.currentaccountswitch.co.uk/Pages/Home.aspx) is a not-for-profit organisation that lets people move quickly and easily between bank accounts. 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Make a list of the ones you want to keep.\n\nOnce your switch to Monzo is finished, follow the third-party provider instructions on how to update your details.\n\nPlease bear in mind that not all third-party services are supported by all banks and building societies, so you might not be able to keep using all the same services with your new account.","title":"Third Party Provider permissions"},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"cmsDisclosureItem","linkType":"ContentType","type":"Link"}},"createdAt":"2021-06-11T10:06:04.805Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"14ziux18gWO2hTfLWcydCe","locale":"en-GB","publishedVersion":2,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2021-06-11T10:06:04.805Z"}},{"fields":{"content":"\u003cdiv style=\"margin-bottom: 1rem;\"\u003e\n\u003cimg src=\"https://images.ctfassets.net/ro61k101ee59/2biSPmfnBlFr3abmW02YBC/8bb83db77a3ca8239b30a913146158b6/image_1.png\" alt=\"\" width=\"140\" /\u003e\n\u003c/div\u003e\n\nWe 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.\n\n- The service is free to use and you can choose and agree your switch date with us.\n- We will take care of moving your payments going out (for example, your Direct Debits and standing orders) and those coming in (for example, your salary).\n- If you have money in your old account, we will transfer it to your new account on your switch date.\n- 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.\n- If there are any issues in making the switch, we will contact you before your switch date.\n- If anything goes wrong with the switch, as soon as we are told, we will refund any interest (paid or lost) and charges made on either your old or new current accounts as a result of this failure.\n\n\u003cdiv style=\"text-align: right; margin-top: 0.5rem;\"\u003e\u003cimg src=\"https://images.ctfassets.net/ro61k101ee59/7iGtMZMvNiEw3mZnB1tuiI/e44bd0e9fe23b1bd9ade237233062b1b/plain-english-crystal-mark.png\" alt=\"Plain English Crystal Mark\" width=\"120\" /\u003e\u003c/div\u003e","title":"Current Account Switch Guarantee"},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"cmsDisclosureItem","linkType":"ContentType","type":"Link"}},"createdAt":"2021-06-11T10:22:26.563Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"1IWsSxgjoqEPEqywPD3elO","locale":"en-GB","publishedVersion":58,"revision":8,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2023-08-10T08:03:45.025Z"}},{"fields":{"content":"\n__About the service__\n\nThe Current Account Switch Service makes switching current accounts from one UK bank or building society to another simple, reliable and stress-free.\nThe service is available to consumers and small businesses, charities and trusts and allows you to choose a switch date that suits you.\n\n__The benefits__\n\nThe new service provides all of the following benefits:\n• All your payments (in and out) will be moved to your new account.\n• Any remaining credit balance in your old account will be transferred to your new account and your old account will automatically close.\n• If any payments are accidentally made to your old account after your switch date, they’ll be automatically redirected or forwarded to your new account.\n• The switch process will be managed entirely by your new bank or building society and will be backed by the Current Account Switch Guarantee.\n\n__The guarantee provides the following:__\n\nThe Current Account Switch Guarantee ensures your current account will switch on a day of your choice, your payments will be automatically transferred and redirected to your new account, and in the unlikely event anything goes wrong with your switch, we will refund any interest and charges (incurred on your old or new current accounts) as a result of this failure as soon as it is brought to our attention.\n\n__How to switch__\n\nStep 1. Complete a Current Account Agreement Form so your new bank can set up your switch.\nStep 2. Complete a Current Account Closure Instruction Form to authorise closure of your old account.\nStep 3. Agree a switch date that is at least 7 working days after your new account has been set up.\nStep 4. Relax as your new bank manages the switch (you will be contacted if there are any payments that cannot be transferred).\nStep 5. Continue to use your old account until your switch date.\n\n__On your switch date__\n\nAll of the following will happen on your switch date:\n• Your payments (such as Direct Debits, Standing Orders and Bill Payments) will have all been\ntransferred to your new account.\n• Any credit balance from your old account will have been transferred to your new account.\n• Your new account will be ready to use.\n• Your old account will be closed.\n\n__Other useful information__\n\n__Third party providers__\n\nIf you have given permissions to Third Party Providers to make payments on your behalf, or to access your financial data, access to these services won’t be transferred automatically to your new account as part of the Current Account Switch Service.\n1. Before you close your old account, check whether you have any Third Party Provider permissions set up and if so, who with.\n2. Once your new account is open you can give your permission to the Third Party Provider to access your new account by providing them with your new account details. You will need to contact the Third Party Provider directly yourself to set this up.\n3. If you are unsure as to whether your new bank will support the Third Party Provider permissions on your account, you will need to discuss this ahead of your switch with your new provider who will be able to advise you of this. Please check your new provider’s terms and conditions for more information about Third Party Providers.\n\n__Continuous Payment Authority (CPA)__\n\nA CPA payment is a type of recurring payment that a merchant sets up on a customer's account using the debit card details. Examples of common CPA payments are Spotify and Netflix. CPAs do not transfer to your new bank during a switch so if you want to continue using them you will need to set them up again with the merchant.\n\nOther types of recurring payments such as Direct Debits or standing orders will transfer to your new bank.\n\n__Overdrafts__\n\nIf your new bank or building society agrees, bank accounts that include an overdraft can switch using the Current Account Switch Service.\nIf 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.\n","title":"Current Account Switch Guide"},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"cmsDisclosureItem","linkType":"ContentType","type":"Link"}},"createdAt":"2023-01-20T14:36:24.650Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"6kvQz1W4GjRqrQY2MmwUAz","locale":"en-GB","publishedVersion":38,"revision":4,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2023-08-10T08:03:51.999Z"}},{"fields":{"content":"__1a. Personal__\n__Can I switch my current account?__\n\nYes, you can use the service to switch accounts from and to any of the participating banks and building societies. \n\n__1b. Business__ \n__Can I switch my current account?__\n\nYes, so long as you have an annual turnover that does not exceed £6.5 million and you employ fewer than 50 people. If you are a small trust with a net asset value of less than £6.5 million you can also use the service. If you are still unsure whether you qualify, speak to us in-app.\n\n__2. Can I switch my savings account?__\n\nNo, we can’t switch savings accounts or ISAs. \n\n__3. I have a joint account. Can I switch my current account?__\n\nYes, as long as both parties agree to the switch and you are switching to another joint account. It is not possible to use the service to switch a joint account to a sole account. \n\n__4. Can I switch my current account if I am overdrawn?__\n\nYes. You will need to agree any overdraft facilities you require with us before you switch. \n\n__5. Is the Current Account Switch Guarantee the same for all banks?__\n\nYes, all banks and building societies that display the Current Account Switch Guarantee Trustmark will follow the same switching process and must offer the same guarantees. There are over 40 participating banks and building societies in the UK and you can see them here: \nwww.currentaccountswitch.co.uk/banks-building-societies/. \n\n__6. What if my bank is not signed up to the Current Account Switch Guarantee?__\n\nIf your old or new bank is not signed up, then you won't be able to use the Current Account Switch Service. You should talk to your new bank to find out how to switch your account. \n\n__7. Who provides the guarantee?__\n\nAs a participant of the Current Account Switch Service, Monzo guarantees your switching process. Bacs, the people behind Direct Debits and Direct Credits in the UK, manage and oversee the service. \n\n__8. Can I choose my switch date?__\n\nYes, you can choose and agree a switch date with us. Just make sure you allow seven working days for the switch to take place and that your chosen date isn't a Saturday, Sunday or Bank Holiday. \n\n__9. Are account opening and account switching all part of the same process__\n\nAccount opening and account switching are separate processes. We carry out ‘know your customer’ security checks as part of our account opening process. Once these are complete you can choose and agree your switch date. \n\n__10. When does the switch begin?__\n\nOnce you have applied for and opened your new account, you can choose the switch date to suit you. The date of your switch must be at least seven working days from this point. \n\n__11. Will the Current Account Switch Service automatically transfer new payment arrangements if I set them up at my old bank within 7 working days of the switch date agreed with Monzo?__\n\nNo. The Current Account Switch Service will take care of all payment arrangements at your old bank up until 7 working days before your agreed switch date. If you want to set up new payment arrangements during the 7 working day period leading up to your switch date you must do this on your new account.\n\n__12. Will my recurring card payments be transferred over as part of a switch?__\n\nRecurring card payments, or Continous Payment Authority (CPA) payments are not transferred over as part of a switch, you will need to set them up with the merchant on your new bank. Examples of common CPA payments are Spotify and Netflix. Other recurring payments such as Direct Debits or standing orders will transfer to your new bank.\n\n__13. Do I have to close my old account?__\n\nIf you use the Current Account Switch Service to switch, your old bank will close your old account. This ensures that any payments made to your old account are automatically redirected to your new account. If you would like to keep your old account open then you are free to do so, but you won’t be able to use the Current Account Switch Service to do this, and you will not be covered by the Guarantee. Speak to us in-app and find out more.\n\n__14. What happens to payments that people send to my old account?__\n\nAll incoming and outgoing payments will be automatically redirected to your new account. Each time a payment is redirected, an automatic message is sent back to the originator advising them of your new account details so they can update their records. Some organisations may contact you directly to confirm your details have changed. If you do not want your new details to be given to someone who sends a one-off payment, contact us in-app.\n\n__15. When will the money in my old account be transferred to my new account?__\n\nYou will be able to access the funds in your old account up to and until your switch date, when they will be transferred to your new account. \n\n__16. If the switch is delayed for any reason, can I still use my new account?__\n\nYes, if the new account is open and you have money in it (or an overdraft agreed) then you can use it. \n\n__17. What happens to any debit card transactions or Direct Debits that I have asked my old bank to stop?__\n\nThe Current Account Switch Service will not interfere with this process and any debit card or Direct Debit transactions that you have asked your bank to stop should remain stopped after your switch. \n\n__18. What will happen to any refunds applied to my old debit card after my old account is closed?__\n\nAny refunds which are applied to your old debit card after switching your account will be sent to your Monzo account. If you are expecting a refund and have not received it, please contact us in-app.\n\n__19. What if I change my mind?__\n\nYou can cancel your switch up to seven working days before your switch date. If you do want to cancel, speak to us in-app. \n\n__20a. Personal__\n\nMonzo says I need to update my personal details with my old bank. Why?\nIf the details you provide to your new bank do not match those held by your old bank you may be asked to contact your old bank and update them. Examples include if you have got married and not changed your maiden name to your married name, or if you have moved house and not told your old bank your new address. When you are updating your details with your old bank you do not have to tell them that you will be switching to a new bank. \n\n__20b. Business__\n\nMonzo says my business details do not match those held with my old bank. Do I need to update them? \nYes, you need to update them, but you do not need to tell your bank that you are switching to a new bank. Examples include if you have changed your address and not told your old bank. \n\n__21. What will happen to my Paym registration when I switch?__\n\nOn your switch date your old bank or building society will de-register your mobile phone number from Paym. If your new bank or building society offers Paym then you can re-register your mobile number with them. You can do this on or after your switch date, or earlier if you de-register your mobile number at your old bank or building society yourself. \n\n__22. I’ve allowed third parties (such as financial comparison websites, money management apps and payment services) access to my financial data. Will this be switched too?__ \n\nNo, you’ll need to cancel and re-authorise these with your new account details. You would need to contact the third party providers directly to discuss arranging set up at Monzo. If your old account is still open, your bank will be able to tell you which third parties you’ve given permission to make payments on your behalf, and/ or access your financial data. \n\nNot all Third Party Providers services are supported by all banks and building societies, so there’s a chance that the Third Party Providers on your old account may not be able to access your new account. Please check Monzo's terms and conditions for more information about Third Party Providers. \n\n__23. Monzo doesn’t allow me to give my financial data to third parties. What will happen to third-party authorisations on my old account?__\n\nUnfortunately, you’ll no longer be able to use these services and any payments you have set up through them will end. If you’re not sure whether you have any third-party authorisations set up on your old account, check with your old bank before you close the account. \n\n__24. What happens to my old bank statements after I switch?__\n\nYour transaction history on your old account won’t be transferred through the Current Account Switch Service. If you’d like your old statements get in touch with your old bank. \n\n__25. What happens if there is a mistake or unnecessary delay in the switching process?__ \n\nIn the unlikely event that there are any issues in starting the switch, we will inform you before your switch date. If anything goes wrong, we will ensure that any charges or interest incurred on your old and/or new account as a result of the error will be refunded. It is for Monzo to decide whether you receive compensation above and beyond the refund. \n\n__26. Will switching my current account affect my credit rating?__\n\nSimply switching from one bank to another using the Current Account Switch Service will not affect your credit rating. However, when you open a new bank account, Monzo may run a credit score check which could affect your credit rating. In the unlikely event that during the switch you encounter any problems with payments (such as a standing order), we will correct them and ensure your credit rating is not affected. \n\n__27. Can I be sure that all payments made to my old account are redirected?__\n\nYes, any payments made to your old account will automatically be redirected to your new account. Each time a payment is redirected, an automatic message is sent back to the originator advising them of your new account details so they can update their records. Some organisations may contact you directly to confirm your details have changed. Let us know in-app if you do not want us to provide your details to anyone. \n\n__28. My switch is not going as promised. Who do I contact?__\n\nIf there’s a problem with your switch you should contact us in-app. If you've got any questions about the switching process, take a look at how to switch here:www.currentaccountswitch.co.uk/how-to-switch/. \n\n__29. My Direct Debit hasn’t moved across after I’ve switched. What do I do?__\n\nIf you're missing a Direct Debit and your switch is complete, contact us in-app. Remember all payments are covered by the Current Account Switch Guarantee and any charges or interest incurred on your old or new account as a result of the error will be refunded.\n\n__30. Who do I tell if I think the Current Account Switch Service does not meet my requirements? (Please note: if you have a complaint about the way the service has been delivered by Monzo please contact us in-app.)__\n\nIf you think you have found a flaw, or missing feature, in the service design, or in the way that Bacs operates the service, please contact: \n\nBy email: Complete the Contact form on currentaccountswitch.co.uk, including a summary of the issue that you would like to raise. \n\nBy post: CASS Advisor, Bacs Payment Schemes Limited, 2 Thomas More Square, London, E1W 1YN. Enclosing a summary of the issue that you would like to raise. \n\nPay.UK will acknowledge receipt within 2 working days of receiving the email / letter and for more complex questions provide a detailed (initial) response within 10 working days.\n","title":"Current Account Switch FAQs"},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"cmsDisclosureItem","linkType":"ContentType","type":"Link"}},"createdAt":"2023-01-20T14:37:51.716Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"6ihKzJiQvNdgscKlbdGnu6","locale":"en-GB","publishedVersion":117,"revision":5,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2024-08-30T10:16:51.959Z"}}],"title":"Personal Account Switch - Disclosure"},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"cmsDisclosureGroup","linkType":"ContentType","type":"Link"}},"createdAt":"2021-06-11T10:06:07.810Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"5AOotA5y4tA7DjFFTatMl7","locale":"en-GB","publishedVersion":15,"revision":3,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2023-02-01T21:33:46.901Z"}}},"nodeType":"embedded-entry-block"},{"content":[],"data":{"target":{"fields":{"ctaType":"Download Button","flags":{"reverse":false},"sectionName":"Personal Account Switch - Bottom CTA","subtitle":"Download the Monzo app on iOS or Android and join more than 11 million personal and business customers who've changed the way they bank.","title":"Open a free current account"},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"cmsSectionCallToAction","linkType":"ContentType","type":"Link"}},"createdAt":"2021-06-11T10:06:16.846Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"5Eq3OB6xvqknc7ESyaCNAW","locale":"en-GB","publishedVersion":15,"revision":3,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2025-01-10T09:05:25.739Z"}}},"nodeType":"embedded-entry-block"}],"componentProps":{},"designSystemEnabled":true,"featureGates":{"ca_daxenabled":true,"1p_saving_challenge_countdown":false,"ca_flex_build_navigation_link":true,"lunio_enabled":true,"isa_allowance_countdown":true},"experiments":[{"experimentID":"ca_homepage_navigation_cta_pairing","variant":"Control"},{"experimentID":"header_navigation_reorder","variant":"Test"},{"experimentID":"ca_homepage_navigation_cta_pairing","variant":"Control"},{"experimentID":"header_navigation_reorder","variant":"Test"}],"hasExperiments":true,"dynamicText":{"nav":"Sign up","cta":"Open an account for free"},"cookies":{}},"__N_SSP":true},"page":"/[...dynamic]","query":{"dynamic":["switch"]},"buildId":"NDyvg1of-74OxLMjha45W","assetPrefix":"https://static-assets.monzo.com/monzo-com/f04fcb3c609b211d8757da342702c8cb8af5525d","runtimeConfig":{"apiFqdn":"internal-api.monzo.com","publicApiFqdn":"api.monzo.com","publicClientId":"oauth2client_0000ATbSRBo8E4Es6Ss3k6","publicClientSecret":"mnzpub.eQUHgQ9y9tbER/x0k0LRW9KOoVkOnb4dMwCxLQxC8AoLPwGdDXlQ7EODWlgmgq+r9j+vCurgzX1Ya0m7uVCTMQ==","test_apiFqdn":"api.s101.nonprod-ffs.io","sentryProject":"monzo-com-web","sentryOrg":"monzo","sentryDSN":"https://06894583d63658ed47fe4e9943f497fa@o23827.ingest.sentry.io/4505743602483200","environment":"production","anonIDCookieDomain":".monzo.com"},"isFallback":false,"isExperimentalCompile":false,"gssp":true,"appGip":true,"scriptLoader":[]}</script></body><script src="https://internal-api.monzo.com/static/util.js"></script></html></body></html>