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New switching 支配するs should mean small 商売／仕事s can 捕らえる、獲得する a better bank, but are they 存在 sidelined?

Updated: 11:09 BST, 13 September 2013

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Much has been made of new switching 支配するs and how they will 衝撃 individual 経常収支支えるもの／所有者s. But, although small 商売／仕事s also stand to 利益 - in theory to the same extent - 関心s have been raised that they are 存在 sidelined by banks who are いっそう少なく keen to 誘惑する them in with tempting 取引，協定s.

From 16 September, 33 bank and building societies brands - accounting for '事実上 100 per cent' of the 経常収支 marketplace, によれば the 支払い（額）s 会議 - will 配達する the new service so that individuals, small charities and small 商売／仕事s can change their bank with いっそう少なく fuss.

The 支配するs mean anyone will be able to switch to another provider, transferring all direct debits and standing orders, in just a week - rather than the 30 days it 現在／一般に takes.

Gloomy: The outlook for small business banking is unlikely to change

暗い／優うつな: The 見通し for small 商売／仕事 banking is ありそうもない to change

But, although banks have been clamoring to introduce the best introductory 昇進／宣伝s and sweeteners to attract individuals, by and large they have stayed silent on the 支配する of new small 商売／仕事 offerings.

As 物陰／風下 Tillcock, of Moneyfacts, points out: 'Whilst the new 支配するs will 適用する to some small 商売／仕事s (商売／仕事s with an 年次の turnover and/or balance sheet total below ?2million - or 英貨の／純銀の同等（の） - and より小数の than ten 従業員s), we have not seen any 普及した changes to accounts thus far.'

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'SMALL BUSINESS BANKING NEEDS TO BE ADDRESSED SEPARATELY'

によれば Jonathan Withers, director of banking at Comarch UK, the switching service has thrown the 緊急の need for 献身的な商売／仕事 banking 政策 into the limelight.

'The Switch Service bundles SMEs in with 小売 banking 顧客s almost as an afterthought.

'While it is encouraging that SMEs will be able to take advantage of a swift and 保証（人）d account switching service, SMEs and personal bank 顧客s have separate and 際立った必要物／必要条件s.?

'This 燃料s on-going 関心s that the banking 産業 does not give the SME 部門 the 予定 care and attention it deserves.

'Banks need to 供給する a tailored approach to 商売／仕事 banking and not just rebadge 消費者 services for SMEs. At the heart of this approach should be a かかわり合い to 供給するing innovative 数字表示式の services that 会合，会う the 明確な／細部 needs of 商売／仕事顧客s, both large and small, 許すing them to 簡素化する過程s and 減ずる costs. 失敗 to do so will see banks losing their 支配する on the market.'

Although most of the bigger banks 申し込む／申し出商売／仕事 accounts, nearly all come with 月毎の告発（する），告訴（する）／料金s.

In fact, HSBC recently 発表するd it is to 増加する its 月毎の告発（する），告訴（する）／料金s for 700,000 small 商売／仕事顧客s, with many losing their 解放する／自由な banking service.

But, にもかかわらず the 欠如（する） of new 選択s, it is hoped that new switching 支配するs will encourage small 商売／仕事s to look どこかよそで if they are unhappy with their 現在の provider - something only a small 百分率 are 現在／一般に doing.

Tillock 追加するd: 'Choosing the 権利 account that 申し込む／申し出s a 商売／仕事 the 権利 levels of support and 利益s is 決定的な for a small organisation.

'ーに関して／ーの点でs of 製品s, small 商売／仕事s have a 確かな量 of choice that the new switching 支配するs may 最高潮の場面. The question is will 商売／仕事s find the time or the inclination to make use of them. Without a 固める／コンクリートd 成果／努力 from providers, I am afraid I 疑問 it.'

示す Moore, director of SME advice service Ingenious Britain, agreed and 追加するd most will take the 'better the devil you know' approach.

He said: 'Small 商売／仕事s don't want the 激変 of having to change banks every few weeks or months if they don't feel they are getting the service and support their 商売／仕事 needs. They will be 関心d that this hassle-解放する／自由な switch will be a hassle, 特に if they can't be 納得させるd in their own minds that what they will be switching to will be any better.

'I 嫌疑者，容疑者／疑う that most small 商売／仕事s will stick with their 存在するing provider unless there is a 説得力のある推論する／理由 for changing, but banks shouldn't be complacent if this is the 事例／患者. It shouldn't be read as a 信任投票 more an 表現 of exasperation.'

BEST BUSINESS CURRENT ACCOUNT INTRODUCTORY OFFERS

Thinking of switching your 商売／仕事 bank account? This is Money's guide to the five 最高の，を越す start-up accounts lays out the best 取引，協定s for smaller 会社／堅いs.

Below are some of the other 商売／仕事選択s 現在／一般に利用できる:

Airdrie 貯金 Bank: Six months’ 解放する／自由な商売／仕事 banking for 商売／仕事s 開始 a 商売／仕事 Diamond Account.

Bank of Scotland: New 商売／仕事 start-ups 開始 a 商売／仕事 Extra/Electronic 商売／仕事関税 Account receive 18 months’ 解放する／自由な day-to-day banking and 解放する／自由な SAGE Planning for 商売／仕事ソフトウェア. 商売／仕事s transferring their account receive six months’ 解放する／自由な day-to-day banking and a 献身的な switcher team. 解放する／自由な商売／仕事 banking 含むs cheques, standing orders, cash, Direct Debits, deposits and 撤退s. You must stay in credit or within agreed 限界s.

Barclays Bank: Start-ups 開始 a 商売／仕事現在の Account - Start Up will receive up to two years’ 解放する／自由な banking if the 商売／仕事 has been 貿易（する）ing for いっそう少なく than a year. There is no 告発（する），告訴（する）／料金 for 基準処理／取引s for 12 months with the 商売／仕事 Credit 利益／興味 Start-up 一括.

解放する／自由な CREDITFOCUS Classic for 顧客s with 年次の turnover いっそう少なく than ￡1 million. （弁護士の）依頼人s with the 商売／仕事現在の Account - e-支払い（額）s 計画（する）/Mixed 支払い（額）s 計画（する） receive a 忠義 Reward - a rebate of up to 50 per cent on 月毎の bank 告発（する），告訴（する）／料金s b ased on 任期, the length of time the 商売／仕事 has banked with Barclays 商売／仕事 Banking 査定する／（税金などを）課すd from the first account 開始 for the 商売／仕事's 現在の合法的な（独立の）存在 and 年次の credit turnover, the 量 of money credited to all 英貨の／純銀の商売／仕事経常収支s during the previous 12 calendar months.

The rebate will be credited to the 顧客s' account on a 月毎の basis at the same time the 月毎の告発（する），告訴（する）／料金s are debited along with 解放する／自由な CREDITFOCUS Classic for 顧客s with 年次の turnover いっそう少なく than ￡1 million and i-sure 商売／仕事 online data backup service for up to 2GB of 商売／仕事 data.

Clydesdale Bank: Two years’ 解放する／自由な banking for start-ups 開始 their first account within 12 months of beginning 貿易（する）ing. 18 months’ 解放する／自由な banking for 設立するd small 商売／仕事s switching to Clydesdale Bank from another provider. 解放する／自由な day-to-day banking 含むs no 告発（する），告訴（する）／料金s for cash or cheque deposits and 撤退s, Direct Debits or 自動化するd debits.

Cumberland BS: 12 months’ 解放する／自由な banking for 商売／仕事s 開始 a 商売／仕事現在の Account.

HSBC: 18 months’ 解放する／自由な商売／仕事 banking for 商売／仕事 Banking start-ups with a 事業／計画（する）d turnover below ￡2m. Six months’ 解放する／自由な商売／仕事 banking for 商売／仕事 Banking switchers with a turnover below ￡500K; for 年次の turnover below ￡500,000, 顧客s can have either the HSBC Electronic Banking 関税 or HSBC Small 商売／仕事関税s.

For turnovers greater than ￡500,000 but いっそう少なく than ￡2m, 顧客s go の上に the Small 商売／仕事関税. 解放する／自由な商売／仕事 banking means that during the 解放する／自由な商売／仕事 banking period the 顧客 is not 告発（する），告訴（する）／料金d for th e 準備／条項 of our 基準 account services.

International 商売／仕事 Overdraft 申し込む／申し出s a 減ずるd 1 per cent 利益／興味率利ざや for each overseas country 商売／仕事 is 輸出（する）ing to or 輸入するing from, 最大限 3 per cent for first 12 months. 利用できる for new overdrafts up to ￡25,000. 協定料金 1.75 per cent, 最小限￡100. 顧客 must 供給する proof of international 貿易（する） in last six months or next six months. Turnover 限界￡2million.

Lloyds: New 商売／仕事 start-ups 開始 a Lloyds 商売／仕事 Extra/Electronic 商売／仕事関税 Account, 月毎の PricePlan receive 18 months’ 解放する／自由な day-to-day banking and 解放する／自由な SAGE Planning for 商売／仕事ソフトウェア.

商売／仕事s transferring their account receive six months’ 解放する／自由な day-to-day banking and a 献身的な switcher team. 解放する／自由な商売／仕事 banking 含むs cheques, standing orders, cash, direct debits, deposits and 撤退s. Account should be operated whilst in credit or within agreed 限界s.

NatWest: Start-ups 開始 a 基準, 創立／基礎 or 商売／仕事加える Account will receive 24 months' 解放する／自由な banking. 告発（する），告訴（する）／料金s for the day to day running of the account will not 適用する during the 解放する／自由な banking period.

告発（する），告訴（する）／料金s for 付加 services and unarranged borrowing are not part of the 解放する／自由な banking 申し込む／申し出. 解放する／自由な banking 適用するs to 商売／仕事s that started 貿易（する）ing within the past twelve months with 事業／計画（する）d or 存在するing 年次の turnover not 越えるing ￡1million.

王室の Bank of Scotland: 24 months' 解放する／自由な banking for 商売／仕事 start-ups 開始 a 創立／基礎 or 商売／仕事現在の Account. 告発（する），告訴（する）／料金s for the day-t o-day running of the account will not 適用する during the 解放する／自由な banking period. 告発（する），告訴（する）／料金s for 付加 services and unarranged borrowing are not part of the 解放する／自由な banking 申し込む／申し出. 解放する／自由な banking 適用するs to 商売／仕事s that started 貿易（する）ing within the past twelve months with 事業／計画（する）d or 存在するing 年次の turnover not 越えるing ￡1million.

Santander: Start-up 商売／仕事s with turnover up to ￡1m 開始 a 商売／仕事現在の Account will receive 12 months 解放する／自由な banking if 商売／仕事 is under 12 months old. Start-up Extra 申し込む／申し出s 解放する／自由な banking for 18 months if 商売／仕事 is under 12 months’ old.

TSB: New 商売／仕事 start-ups 開始 a 商売／仕事 Extra/Electronic 商売／仕事関税 Account, 月毎の PricePlan receive 18 months’ 解放する／自由な day-to-day banking and 解放する／自由な SAGE Planning for 商売／仕事ソフトウェア.

商売／仕事s transferring their account receive 6 months’ 解放する／自由な day-to-day banking and a 献身的な switcher team. 解放する／自由な商売／仕事 banking 含むs cheques, standing orders, cash, Direct Debits, deposits and 撤退s. Account should be operated whilst in credit or within agreed 限界s.

Yorkshire Bank: Two years’ 解放する／自由な banking for start-ups 開始 their first account within 12 months of beginning 貿易（する）ing. 18 months’ 解放する／自由な banking for 設立するd small 商売／仕事s switching to Yorkshire Bank from another provider. 解放する／自由な day-to-day banking 含むs no 告発（する），告訴（する）／料金s for cash or cheque deposits and 撤退s, Direct Debits or 自動化するd debits. 利用できる with 現在の/商売／仕事 Choice Accounts.

Source: Moneyfacts

What changes will you see with the new 支配するs ?

One of the biggest changes 予定 to be 器具／実施するd with the new 支配するs will be the time it takes to move bank.

The switching 過程 should be 完全にするd within seven days ? a 相当な改良 on the 現在の過程, which can take between 18 and 30 days.

The 重要な利益s of the service 含む:

顧客s and 商売／仕事s 存在 able to choose and agree the switch date with their new 経常収支 provider.
The new 経常収支 provider will take care of moving all 支払い（額）s going out (e.g direct debits) and those coming in (e.g. salary).
For 13 months the new 経常収支 provider will arrange for 支払い（額）s accidentally made to the old account to be automatically redirected to the new account.
If anything goes wrong with the switch, as soon as it is told the new 経常収支 provider will refund any 利益／興味 and 告発（する），告訴（する）／料金s made on either a 顧客’s old or new 経常収支 as a result of the 失敗.

The 支払い（額）s 会議 says it will be 監視するing the 現在の Account Switch Service on an on-going basis from its 開始する，打ち上げる to 計器 whether the new service is working and 配達するing in line with the 保証（人）.

It also believes that the new service should be 裁判官d once it has had time to 配達する肯定的な change. The 独立した・無所属（売買）手数料，委託（する）／委員会／権限 on Banking recommended that 2015 is the time to do this, and at that 行う／開催する／段階 it will consider if any その上の活動／戦闘 is 要求するd.

How do you switch?

All you need to 焦点（を合わせる） on are the に引き続いて three steps:

1) Fill in 使用／適用 and 移転 forms and 供給する proof of 身元.

2) The new provider checks which 支払い（額）s you want moved across and 始める，決めるs them up, while getting your previous account provider to 取り消す the old ones.

3) Your account will be 始める，決める up, and if you want your balance transferred and old account の近くにd this will be done.

For an in-depth guide to switching check out This is Money's step-by-step article here.

Myths of switching

A worrying number of people are put off by myths about the dangers of switching their 経常収支.

For example, some believe that sticking with their bank through 厚い and thin will give them better 条件 when they come to 適用する for a 貸付金 or another 取引，協定. But, while 忠義 may have helped your mortgage 使用／適用 in the past, it’s no longer the 事例／患者.

Others think by moving banks they will lose out on their overdraft. But, if your overdraft is ￡1,000 or le ss, or you 下落する only occasionally into your overdraft for 緊急s, you’ll probably find most banks or building societies are willing to match your old account’s 施設s to get you on board.

Read more about the myths that 妨げる unhappy bank 顧客s from binning their bank.

Participants in the Current Account Switching Service. Source: The Payments Council

関係者s in the 現在の Account Switching Service. Source: The 支払い（額）s 会議

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