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Government aims to boost switching as bank report due | Government aims to boost switching as bank report due |
(35 minutes later) | |
The government has set out a series of ways to make it easier for people to switch providers - for energy, bank accounts or telecoms. | |
It comes ahead of a major report on current accounts by the Competition and Markets Authority (CMA). | It comes ahead of a major report on current accounts by the Competition and Markets Authority (CMA). |
During an 18-month study, the CMA looked at poor switching rates and competition between High Street banks. | |
The government said consumers should have better access to their personal data, to help them change supplier. | The government said consumers should have better access to their personal data, to help them change supplier. |
Switching rates | Switching rates |
In the last 12 months, the number of people in the UK switching their bank account has fallen by 14%, according to figures. | |
In the year to September 2015, the Current Account Switching Service (CASS) said 1.03 million had changed provider. | In the year to September 2015, the Current Account Switching Service (CASS) said 1.03 million had changed provider. |
That is little more than were switching before September 2013, when the seven-day switching service was launched. | That is little more than were switching before September 2013, when the seven-day switching service was launched. |
The CMA previously said that only 8% of consumers had switched accounts in the last three years, compared with 45% of consumers who had switched car insurance provider. | |
Public consultation | |
The Department for Business, Innovation and Skills (BIS) published new "principles "for switching, including: | |
Most of the large banks already offer a service known as Midata. This enables account holders to see a summary of all their transactions, as well as the charges they have paid. | Most of the large banks already offer a service known as Midata. This enables account holders to see a summary of all their transactions, as well as the charges they have paid. |
In addition, Tesco Bank tells customers what interest they would have earned, had they put their money in a savings account rather than leaving it in a current account. | In addition, Tesco Bank tells customers what interest they would have earned, had they put their money in a savings account rather than leaving it in a current account. |
Consumers are now being asked for their own ideas on how switching could be improved. The consultation ends on 4 December. | Consumers are now being asked for their own ideas on how switching could be improved. The consultation ends on 4 December. |