• Switch on your terms
  With the Current Account Switch Service, you can choose a switch date to suit you. Just ensure a minimum provision of seven working days.
• Simple and stress-free
  The new account provider transfers any existing balance and all existing payment arrangements for you – including those going out (for example, Direct Debits and Standing Orders), those coming in (for example, your salary), and payees you already have set up.
• The vast majority of UK banks and building societies are on board
  This means over 99% of UK current accounts are covered by the Current Account Switch Guarantee.
• The switching process is the same everywhere
  Every bank and building society offering the service follows exactly the same switch process.
• Payments are automatically redirected
  Any regular payments made to or requested from your old account will be automatically redirected to your new account. We will also contact the sender and give them your new account details. That means there is no need to worry about missing payments.
• Backed by a Guarantee
  In the unlikely event that something goes wrong with your switch, your new provider will refund any interest (paid or lost) or charges incurred on your old or new account as a result.
• A single point of contact
  The whole process will be handled by the bank or building society you are switching to. If you have any questions or concerns, simply ask your new provider.

Switching your account to Habib Bank Zurich plc is easy and simple. Follow the instructions below to begin the process.

Step 1: Before You Switch

Check Your Ability To Switch

The Current Account Switch Service covers 99% of UK current accounts. The process is the same everywhere, so you can feel confident when you switch, no matter which participating bank or building society you choose. You will find all the participating banks and building societies here.

However, you cannot switch with:

• A joint account without the permission of both parties
• Savings accounts
• ISAs
• Non-sterling payment accounts

Find A New Account

Think about how you use your current account to find the best one for you. You’ll find useful advice on websites such as  Money Advice Service, moneysupermarket.com, Money Saving Expert , and uSwitch.

Check Your Eligibility

Please check if you are eligible for the current account you want to switch to. Common eligibility examples include having a minimum number of Direct Debits, and a set amount entering the account each month. You will also need to agree to overdraft facilities required with them before initiating the switch (subject to eligibility status).

Step 2: Getting Ready

Review Your Existing Payments

Go through your payments if there are any you no longer use or want. It makes sense to cancel them rather than switch them to your new bank account.

Gather Your Documentation

Your transaction history on your old account will not be transferred through the Current Account Switch Service. If you would like your old statements get in touch with your old bank.

Choose Your Switch Date

To make things easier, you can choose a switch date that suits you. Just make sure you allow seven working days for the switch to take place and that your chosen date is not a Saturday, Sunday or a Bank Holiday.

You can continue to use your old account until your agreed switch date. This includes any use of your cards, online banking, or mobile banking. However, you should not set up new payments such as Direct Debits and Standing Orders on your old account during the seven working days leading up to your agreed switch date. This is because these payments will not be transferred across to your new bank or building society.

Start Your Switch

To start your switch, ask your new bank or building society to move your old account using the Current Account Switch Service. If you have agreed to an overdraft facility with your new provider, then you may transfer any existing overdraft to the new account.*

* Overdraft agreements are based on individual circumstances. Speak to your new bank or building society to find out more.

Before your switch, you will need to agree to the ‘Current Account Switch Agreement’ and the ‘Current Account Closure Instruction’, both provided by your bank or building society, before the switch can proceed.

The whole process will be handled by the bank or building society you are switching to, and they will let you know about the starting and completion of the switch.

Any payments sent to your old account by mistake will be indefinitely redirected to your new one, if required, ensuring none of your regular payments will be adversely affected because of a switch.

Know Your Rights

Thanks to the Guarantee, if there are any problems with payments as a result of the switching process, you can be confident that your new bank or building society will correct them.

Read the Current Account Switch Guarantee to find out more about how you are covered.

Step 3: On Your Switch Date

Start Using Your New Account

On your agreed switch date, your new account will be ready to use, and your old account will be closed. Your new bank will have transferred all of your regular incoming payments (such as your salary or benefits) and outgoing payments (such as Direct Debits, Standing Orders, Future-dated payments, Bill payments) to your new account, along with any remaining credit balance. Your saved payee details will also be transferred over.

Note: Future-dated payments set up within 7 working days of your switch date cannot be transferred across to your new account.

Step 4: If Anything Has Gone Wrong

In the unlikely event that anything goes wrong, your new bank or building society guarantees to refund any interest and charges you incur as a result of a delayed or incorrect switch. It is all part of the Current Account Switch Guarantee.