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whether youre switching personal or business account the current account switch guarantee is here to make the whole process smooth and stress free its this simple first open a new account youve got over 40 uk banks and building societies to choose from second pick your switch date third kick back and relax with a guarantee in place your new bank can take it from there seven working days before your switch date theyll start setting up your new account dont set up new payments during this time as they wont be moved over your incoming payments will switch to your new account thats things like your salary or benefits as will your payee details direct debits and standing orders any payments that go to your old account will be redirected when your big switch day arrives your balance will transfer to your new account and your old one will close if something does go topsy-turvy talk to your new bank the guarantee means theyll refund any interest or charges you get because of the switc