Revolut UK switching and CASS: Direct Debits and checks
How to switch an eligible UK current account to Revolut in 2026 using the Current Account Switch Service, what happens to Direct Debits and incoming payments, and what to check during Revolut's phased migration to its UK bank.
A full CASS switch normally completes on an agreed date within seven working days and moves eligible payment instructions and the old balance. Before starting, confirm that the Revolut account shown in your app is eligible for the switch, record the account details, and avoid scheduling the switch across an important salary, rent or mortgage date if you can choose a quieter week.
Treat a full switch as a cash flow project
The Current Account Switch Service is designed to move the operational life of an eligible current account: Direct Debits, standing orders, the old balance and payment redirection. A manual transfer of your balance to Revolut is not the same thing. If you leave the old account open and copy a few payments yourself, you do not get the same switch guarantee.
Use a full switch when you actually want the old account closed and the payment relationships moved. Use a partial/manual move when you deliberately want both accounts to remain open.
Seven working days is quick, but the safest date is still one with breathing room. If salary arrives on the 28th and rent leaves on the 1st, do not casually choose the final working days of the month for an avoidable switch. A date after the major payments have cleared gives you time to spot anything unexpected.
Make a list of salary, benefits, rent or mortgage, utilities, subscriptions and annual Direct Debits before you start. The service moves payment instructions, but your own list is the audit trail you can tick off afterwards.
Make the first contact about facts, not guesses. For revolut uk switching and cass: direct debits and checks, capture the switch date, salary date, active Direct Debits, standing orders, incoming credits, card subscriptions and the balance you need available during the changeover. Then save the supporting screen or paperwork and note the time and date. This simple record is useful because many banking problems change status while they are being investigated. You need to know what was shown when you acted, not only what the account looks like several days later.
Check Direct Debits, standing orders and incoming payments
Under CASS, eligible Direct Debits and standing orders are transferred to the new account. That does not mean every merchant system will instantly display the new details. Keep enough money available and watch the first collection after the switch, particularly for high-consequence payments such as mortgage, council tax or insurance.
If a £900 mortgage Direct Debit is due two days after the switch, check the payment in the Revolut app and the mortgage account afterwards. The Switch Guarantee exists for switch failures, but catching a problem early is better than discovering it from a missed-payment notice.
Payments sent to the old account details are redirected to the new account under the switch arrangements, and senders may be informed of the new details. Even so, update important employers or payers yourself where practical. A redirected salary works, but correct payroll details reduce reliance on a transition mechanism.
Keep a note of the old and new sort code/account number securely until you have seen at least one salary cycle and one full bill cycle work normally.
Choose the next action by asking what would be difficult to undo. Do not assume card subscriptions move with the same process as account payment instructions, so review merchants that charge the old debit card separately. Before repeating a payment, application, withdrawal or settings change, confirm the state of the first attempt. When a lower risk temporary option exists, use it while the original issue is checked. The aim is to avoid turning one problem into two, such as a duplicate payment, extra fee, missed deadline or conflicting instruction.
Audit the new account after the switch date
Revolut Bank UK Ltd launched in March 2026 and eligible customers are being moved in phases. Before relying on any banking-specific feature or protection, check the entity shown for your own account in the app and the notices Revolut has sent you. Do not assume every UK customer is at the same migration stage on the same day.
This is especially important if your reason for switching is deposit protection or access to a particular bank-account feature. The decision should be based on the account you actually hold, not a generic description of the Revolut brand.
After completion, check the old account is closed as expected, the old balance arrived, important Direct Debits are listed, standing orders have the correct dates, and salary or benefits reach the new account. Also check recurring card subscriptions separately: card-on-file payments are not the same thing as Direct Debits and may need the new card details manually.
A useful final test is to compare the last old-account statement with the first full month on Revolut. Anything that appeared every month before the switch but not afterwards deserves investigation.
Use a worked scenario before you decide. If salary arrives on the twenty fifth and five Direct Debits leave between the first and fifth, choose a switch date that leaves enough time to verify the new account before those bills are collected. Write the figures or dates on one line and then add the cost or timing consequence of each option. You do not need a complex spreadsheet. The purpose is to see whether a fee, duplicate payment, lost interest, extra journey or short cash gap changes which route is actually sensible for you.
Revolut switching checklist and fee disputes
CASS moves bank-account payment instructions such as Direct Debits and standing orders; recurring debit-card subscriptions are different. Netflix, a gym or a software service holding the old debit-card number may need the new Revolut card details separately.
Use three months of card transactions to identify recurring merchants. A £7.99 subscription failing is annoying; a £70 insurance instalment failing can be more consequential.
The Current Account Switch Guarantee is designed to protect customers if something goes wrong with the switch. Keep evidence of any interest or charges that arise specifically because a payment was not moved or redirected correctly, and contact the new bank promptly.
Do not confuse a pre-existing overdraft or a merchant's own billing error with a switch failure. The remedy should match the event that actually caused the cost.
Give the provider a clear question and a clear next checkpoint. If a moved payment fails or creates a fee, keep the switch confirmation and payment evidence and ask which part of the switching process should have handled it. If the answer does not arrive, move from general customer service to the formal route that fits the problem and keep the date you did so. When the issue is resolved, verify the result yourself and save the final confirmation with the original evidence. That creates a complete audit trail if the problem returns.
Sources and verification
- Revolut UK - official website
- Current Account Switch Service
- Financial Services Compensation Scheme
- MoneyHelper
Thomas Reed - Banking Research Writer
CASS removes most of the mechanical work from switching, but it does not remove the need for a cash-flow plan. I would choose a quiet switch date, keep a one-page list of salary and essential bills, and audit the first full payment cycle. With Revolut in 2026 there is one additional discipline: confirm the entity and account status shown in your own app, because the move to Revolut Bank UK Ltd is phased rather than a single-day change for every customer.
Verification note: product terms, fees, limits and support routes can change. This guide was checked against the provider's current information and relevant UK regulatory or consumer-protection sources for the 2026 position. For the specific issue covered on this page - Revolut UK switching offer and CASS 2026: fees and Direct Debits - re-check the live Revolut information linked in Sources before relying on a fee, limit or support route that may have changed.