As of 13 August 2026, AI can only partly switch your bank account.

What to actually do

1. Hand it to a person

   The route this page recommends

   A person who owns the outcome does this end to end, worth it when the failure is dear.

2. Use a tool built for this

   Second choice

3. Do it yourself

   The distant third

   A chat interface, chat-fluent skill, and roughly 30 minutes until you can act on the result.

   How to actually do it

   1. Open the official pages for your current account, the account you are considering and the Current Account Switch Service, without entering banking credentials into the chatbot.
   2. Gather the current account's fees, overdraft position, interest or benefits, and a list of salary payments, direct debits, standing orders, subscriptions and linked products.
   3. Paste the non-sensitive facts and the new bank's published account terms into the prompt, removing account numbers, passwords, full card details and security information.
   4. Ask the chatbot to produce the comparison, questions, switching checklist and verification list specified in the prompt.
   5. Compare every fee, eligibility condition, switching-service detail and claimed feature in the response with the new bank's official terms, and mark unsupported statements as unknown.
   6. Ask the new bank how it will handle your overdraft, salary, direct debits, standing orders, subscriptions and linked products before you apply.
   7. Apply through the bank's official website or app, complete its switching instructions, and check the old and new accounts for transferred payments and any remaining balance after the switch.

   Prompt

   Help me plan a UK current-account switch. Do not ask for or use account numbers, passwords, full card details, security answers or other sensitive banking credentials. Use only the facts I provide, clearly label anything that needs checking, and invent nothing.
   
   My current account:
   - Bank: [current bank]
   - Account type and key features: [details]
   - Overdraft balance or limit: [details or none]
   - Regular income and payments: [salary, benefits, standing orders, direct debits and subscriptions]
   - Savings, loans or linked products that may depend on this account: [details]
   - Fees, interest or benefits I currently receive: [details]
   
   The account I am considering:
   - Bank and account name: [new bank and account]
   - Published features, fees, eligibility rules and switching offer: [paste the official wording or link]
   - Whether it uses the Current Account Switch Service: [known, unknown or paste the wording]
   
   Produce:
   1. A side-by-side comparison based only on the information supplied.
   2. A list of questions I must ask the new bank before applying.
   3. A step-by-step switching checklist covering overdrafts, salary, direct debits, standing orders, subscriptions, linked products, remaining balance and closure of the old account.
   4. A list of every fact I must verify on the new bank's official website or with the bank.
   5. A short list of risks that would make this switch unsuitable or require help from the bank.
   Do not tell me that the switch is definitely safe, eligible or complete. Do not recommend an account unless the supplied information supports the recommendation.

   Open it prefilled in ChatGPT or Claude, or copy it into Gemini, which takes no prefill link.