Switch banks to Royal Bank of Scotland
Changing banks is quick and hassle-freeFind a new current account Already with us? Switch your main banking to Royal Bank of Scotland
To make your switch progress as smoothly as possible, please ensure your personal details are the same on both your Royal Bank of Scotland account and the account you’d like to switch to us. If you are switching a joint account to us, this can only be switched to a joint account in the same names.
What is the Current Account Switch Service?
It’s a free service that lets you switch current account from one participating bank or building society to another. It has been designed to be simple, reliable and hassle-free and is backed by the Current Account Switch Guarantee.
Can I switch my account on a date that suits me?
Yes, you can select and agree a date with us and the process will start six working days before that date. (Working days are Monday to Friday excluding bank and public holidays.)
What happens to payments (debits and credits) that people send to my old account?
The Current Account Switch Service will redirect payments to your new account for 36 months from your switch date. For some card payments you will need to provide your new card details to the business (e.g. Amazon) in the same way as you would now if your card expired and you were issued with a new one.
What happens if there is a mistake or unnecessary delay in my switch?
The Current Account Switch Service is backed by the Current Account Switch Guarantee.
This guarantees that any charges or interest incurred on your old or new account, as a result of a failure in the switching process will be refunded when you bring this to our attention.
Will switching my current account affect my credit rating?
No, providing you repay any outstanding overdraft(s) on your previous account(s) as required by your old bank or building society. If there are any problems with payments (as part of the switching process) we will correct them and ensure your credit rating is not affected.
Can I switch my current account if I am overdrawn?
Yes, and we may be able to provide facilities to help you pay off any overdraft, subject to our normal lending criteria. If this isn’t the case you must make separate arrangements to repay your old bank or building society what you owe.
What if I change my mind?
You can cancel your switch up to seven working days before your switch date. After that only certain elements can be cancelled. We will guide you through this process if you choose to do this.
When will the money in my old account be transferred to my new account?
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.
Will banks and building societies offer the same Current Account Switch Service?
High street banks and building societies and internet and telephone banks that display the Current Account Switch Guarantee Trustmark will offer the Current Account Switch Service.
What type of accounts can I switch using the Current Account Switch Service?
The Current Account Switch Service is for current accounts only (including basic bank accounts). If you would like to switch other account types, such as a savings account, you will need to ask if we are able to help you do this.
What happens to any debit card transactions that I have asked my old bank to stop?
The Current Account Switch Service should not interfere with this process and any debit card transactions that you have asked your old bank to stop should remain so after your switch.
Can I prevent my new account details being given to someone who sends one-off payments to my old account?
You may be able to transfer your payments to us without redirecting payments from your old account, and you should discuss this requirement with us.