For a switcher, Barclays is currently offering one of the most generous bank switch deals on the market: £200 free cash. The criteria are refreshingly simple compared to most other switches. Move 2 Direct Debits over via CASS, pay in £2,000 within 30 days, and you’re done. No card transaction hoops to jump through, no need to join Blue Rewards, no minimum monthly spend.

The main consideration is the higher pay-in (most switches ask for £1,000). Barclays pays the £200 within 28 working days of you meeting the criteria. There’s also a hard credit check, so if you’ve got a mortgage application coming up in the next few months, weigh that up before applying.

At £200, though, the maths speaks for itself. If you’ve never claimed a Barclays current account switch reward before and you’ve got the £2,000 to park in the account temporarily, this is well worth doing. Outside the switch offer, Barclays is a sensible everyday bank for anyone who likes a mix of strong app and physical branches. Just don’t expect any in-credit interest fireworks.