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Use the Current Account Switch Service

The Current Account Switch Service (CASS) is a service that allows you to switch your current account between banks. CASS can help you switch from your old bank to Tide, stress-free.

This guide shows you how to:

🔗 Find the CASS Trustmark

🔗 Understand if CASS is for you

🔗 View the CASS timeline

🔗 Map out the CASS responsibilities

🔗 Switch to and from your Tide account

CASS is for you if

Turnover

You have an annual turnover of up to £6.5 million

Employees

You employ fewer than 50 people

How the CASS process works

How the CASS process works

  1. Find the CASS Trustmark All banks and building societies that display the Trustmark have to offer you the same guarantee and follow the same, free process

  2. Open your new account

    It can take up to six weeks to open your new account. This is because your new bank (or building society) has to carry out security checks. At Tide this usually takes ten minutes

  3. Agree your switch date

    You can choose and agree on a switching date with your new bank or building society. Just make sure that your chosen date isn't a Saturday, Sunday or a UK Bank Holiday.

  4. Wait 7 working days

    Your old bank will close your account and transfer your payment arrangements and account balance to your new bank in 7 working days

What the bank handles and what you need to handle

What the bank handles and what you need to handle

The switch from your old bank

With CASS, your old bank will not only close your old account, but:

You only need to update your business details (for example, if you've changed your address), but you don't need to tell your bank that you are switching to a new bank.

Helpful tip: Get your old account's statements, before you switch. Your transaction history won't be transferred to your new account.

Your credit rating

The switch won't affect your credit rating. However, when you open a new bank account, your new provider may run a credit score check which could affect your credit rating.

Your third-party payments

Your old bank will transfer your payment arrangements to your new bank.

However, you might need to cancel and re-authorise any third-party services with your new account details. This could include things like financial comparison websites and money management apps.

It's best to check this after your switch is complete and move anything that hasn't been moved for you.

Switching to and from your Tide account

Switching to and from your Tide account

Your switch to Tide

If you switch from another bank to Tide and have:

  • A negative balance – your new Tide account's balance will be zero, but you'll have to repay the amount you owe to the old bank

  • A credit or an overdraft – we'll only switch your bank account and move your positive balance to your new Tide account. Separate credit products and overdrafts provided by your other bank will remain with them, and all repayment arrangements must be made with them directly

When looking at your new Tide account statement, you might notice the name 'Clear Bank'. This is because our bank accounts are provided by Clear Bank.

Your partial switch from Tide

If you choose a to partially switch, you'll be able to choose which direct debits and standing orders to move to your new provider.

  • Payments sent to your Tide account will not be forwarded to your new provider

  • Your Tide account will remain active

  • Your Tide account balance will not be transferred

Struggling with CASS?

If there’s a problem with your switch you should contact the bank or building society you're switching to as only they'll be able to help.

Here's what you can do if:

  • There's a delay – start using your new account

  • Your Direct Debit is missing – contact your new bank

  • You want to cancel – request this in up to seven working days before your switch date. Your new bank can guide you through the process

If there are any issues starting your switch, we’ll let you know right away.

Your new bank will refund any interest (paid or lost) and charges made on either your old or new account as a result of the failure. Any additional compensation beyond this refund will be at the discretion of your new bank.

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