{"id":122404,"date":"2018-07-27T14:42:47","date_gmt":"2018-07-27T13:42:47","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=122404"},"modified":"2024-11-06T09:54:39","modified_gmt":"2024-11-06T09:54:39","slug":"switching-banks-credit-score","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/current-accounts\/best-bank-switch-deals\/switching-banks-credit-score","title":{"rendered":"Does switching banks affect your credit score?"},"content":{"rendered":"<p>With lucrative <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/best-bank-switching-deals\">switching offers<\/a> frequently being offered by competing banks, switching your current account can be a smart way to pocket some free cash or benefit from other juicy perks. However, when switching current accounts, a \u201chard\u201d credit search might be carried out \u2013 which can impact your credit score.<\/p><h3>Will switching banks be visible on my credit file?<\/h3><p>The fact you switched banks won\u2019t appear on your credit file, but the credit check the bank made at the time will be visible, typically for 12\u201324 months.<\/p><p>Banks usually carry out credit checks to verify you are who you say you are, but they can also be done to check your likelihood of being accepted for an overdraft. <\/p><p>Certain no-frills current accounts might not involve a credit check as part of the application process, as they typically don\u2019t have an overdraft facility. These accounts are known as \u201cbasic bank accounts\u201d. The word \u201cbasic\u201d isn\u2019t a guarantee there won\u2019t be a credit check involved, but it can be a good clue.<\/p><p>Some banks might also only carry out a \u201csoft\u201d credit check, which can be used to verify your identity but won\u2019t impact your credit score. Again, this is more likely to be the case if you\u2019re applying for an account without an overdraft. <\/p><p>But in most cases, banks will carry out a \u201chard\u201d credit check, which will leave a mark on your credit report and can cause your credit score to dip temporarily. This won\u2019t usually be a problem unless you\u2019re applying for more than one current account over a fairly short time. <\/p><p>It\u2019s a great idea (and usually free) to get to <a data-trigger-introductory-modal=\"true\">know your own credit score and report<\/a>, so you can see how you look to prospective lenders.<\/p>\n\n \n\n\n<style>\n#newsletter-signup { overflow-x: clip; }\n.newsletter-signupImageHolder { width: 20%; flex-basis: 20%; flex-grow: inherit; min-width: 70px; max-width: 80px !important; position: relative; }\n.newsletter-signupImage { width: 74px; min-width: 74px; position: absolute; bottom: 0; right: 0; padding-right: 8px; }\n.newsletter-signupGrid { padding-bottom: 0 !important; }\n.newsletter-signupHeader { color: #232320; font-size: 1.2em; margin-bottom: 0; line-height: 24px; letter-spacing: -0.3px; }\n.newsletter-signupText { font-size: 16px; letter-spacing: -0.2px; line-height: 22px; }\n.emllnks { display: flex; justify-content: space-between; align-items: center; line-height: 14px; font-size: 14px; }\n.emllnks a { text-decoration: none !important; color: #232320}\n.emllnks a:focus, .emllnks a:hover { color: #232320 !important; } \n@media only screen and (max-width: 1250px) {\n#newsletter-signup { padding-left: 0.85em !important; padding-right: 0.85em !important; }\n}\n@media only screen and (max-width: 961px) {\n.newsletter-signupCard { height: 120px; }\n.newsletter-signupImageHolder { max-width: 92px !important; }\n.newsletter-signupImage { min-width: 110px; padding-right: 6px; }\n}\n@media only screen and (max-width: 601px) {\n.newsletter-signupCard { height: 200px; }\n}\n<\/style>\n\n\n\n<div id=\"newsletter-signup\" class=\"u-rounded--lg has-padding-small no-padding-bottom has-margin-top-small has-margin-bottom-small u-bg--lime-500\">\n\n<div class=\"u-grid u-grid--noWrap u-grid--alignMiddle u-grid--gutterSmall\">\n\n<div class=\"u-grid__col u-grid__col--alignBottom no-padding-bottom newsletter-signupImageHolder\"><img decoding=\"async\" title=\"Image: Finder\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/kate_steere_3.png\" alt=\"Kate Steere\" class=\"newsletter-signupImage\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/kate_steere_3.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/kate_steere_3.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/kate_steere_3.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/kate_steere_3.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/kate_steere_3.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/div>\n\n<div class=\"u-grid__col has-margin-bottom-xsmall\">\n\n<div class=\"u-grid u-grid--alignMiddle\">\n<div class=\"u-grid__col u-3\/5@l\">\n\n<p class=\"newsletter-signupHeader u-italic has-padding-top-xsmall has-padding-bottom-xxsmall is-hidden is-visible@s\">Get FREE alerts for new bank switching offers<\/p>\n<p class=\"newsletter-signupHeader u-italic has-padding-top-xxsmall has-padding-bottom-xxsmall is-hidden@s\">FREE switching offer alerts<\/p><p class=\"newsletter-signupText no-margin-bottom has-padding-bottom-xsmall\">Sign up to receive the latest deals, expert tips, and a chance to win <strong>\u00a3400!<\/strong> (T&amp;Cs)<\/p>\n\n<\/div>\n<div class=\"u-grid__col u-2\/5@l\">\n\n<form class=\"form js-ns-newsletter\" data-validation=\"\" data-niche=\"FIN\" novalidate=\"\" data-form=\"subscriptionBox\">\n<div class=\"u-grid u-grid--gutterCollapse has-margin-bottom-xxsmall\">\n<div class=\"u-grid__col u-2\/3 newsletter-signupGrid\">\n<div class=\"form__group\">\n<div class=\"form__input-group icon-mail js-email no-margin-bottom\"><input id=\"emlfld\" class=\"form__input-text form__input-group-text\" size=\"20\" maxlength=\"100\" type=\"email\" name=\"email\" placeholder=\" Enter your email\" aria-label=\"Email Address (required)\" aria-describedby=\"privacyDescription\" required=\"\" style=\"height: 40px; border-radius: 10px 0px 0px 10px; border: 1px solid #232320; padding: 0.5em;\">\n<\/div>\n<\/div>\n<\/div>\n<div class=\"u-grid__col u-1\/3 newsletter-signupGrid\">\n<button type=\"submit\" name=\"submit\" role=\"button\" class=\"u-btn--dark luna-button luna-button--fluid relative has-overflow-hidden no-margin-bottom\" onclick=\"validateEmailJoin()\" id=\"form-submit\" style=\"border-radius: 0px 10px 10px 0px; height: 40px; border: 1px solid #232320;\"><span class=\"btn__content\">Sign up<\/span><span class=\"btn__loading loading-pulse\">loading<\/span><span class=\"btn__success icon-tick\"><\/span><\/button>\n<\/div>\n<\/div>\n<p class=\"luna-form__feedback is-hidden\" id=\"email-error\"><\/p>\n<\/form>\n\n<div class=\"no-margin-bottom emllnks text-center has-padding-top-xsmall\"><a href=\"https:\/\/www.finder.com\/uk\/about-us\/competition-winners\" class=\"has-margin-right-xxsmall\">Winners<\/a> | <a href=\"https:\/\/www.finder.com\/uk\/about-us\/example-email#savings\" class=\"has-margin-left-xxsmall has-margin-right-xxsmall\">Emails<\/a> | <a href=\"https:\/\/www.finder.com\/uk\/communication-preferences\" class=\"has-margin-left-xxsmall has-margin-right-xxsmall\">Unsubscribe<\/a> | <a href=\"https:\/\/www.finder.com\/uk\/privacy-policy\" class=\"has-margin-left-xxsmall\">Privacy<\/a><\/div>\n\n<\/div>\n<\/div>\n\n<\/div>\n<\/div>\n\n<\/div>\n\n\n\n\n\n\n<script>\ndocument.addEventListener(\"DOMContentLoaded\", function(event) {\nvar currentCookie = {};\ndocument.cookie.replace(\/([^=;]+)=([^;]*)\/gi, function(m,key,value) {currentCookie[key.replace(\/(^s+|s+$)\/g,'')] = value.replace(\/(^s+|s+$)\/g,'');});\nvar pageUrl = window.location.href;\n});\n\nfunction validateEmailJoin(){\nvar emlsgnp = document.getElementById(\"newsletter-signup\");\nvar email = document.getElementById(\"emlfld\").value;\nvar phoneNumber = '';\nvar f = document.getElementById('email-error');\nf.className = \"luna-form__feedback is-hidden\";\nif (email.includes(\"@\") && email.includes(\".\") && email.indexOf(\"gnail.com\") == -1 && email.indexOf(\"hitmail.co\") == -1) {\ngetSignUpPayload(email);\nreturn true;\n} else {\nf.innerHTML = \"Hmm... your email address doesn't look quite right. Please re-enter it and try again.\";\nf.className = \"luna-form__feedback has-padding-bottom-xsmall text-center\";\nreturn false;\n}\n};\n\nfunction getSignUpPayload(email) {\nvar trackingParams = {};\ndocument.cookie.split(';').forEach((a) => {if(a.includes(\"__futm_data=\")){trackingParams = JSON.parse(decodeURI(a.split(\"=\")[1]).replaceAll('%3A',':').replaceAll('%2C',','))}});\ntrackingParams.signUpUrl = window.location.href;\nsegmentSignUp(email,trackingParams);\nsendJoinWaitlistGAEvent();\n};\n\nfunction segmentSignUp(email,trackingParams) {\nvar email = document.getElementById(\"emlfld\").value;\nvar phoneNumber = '';\nvar f = document.getElementById('email-error');\nvar b = document.getElementById('form-submit');\n\nfunction trackSegmentBE(email) {\nvar endpointUrl = \"\/wp-json\/notification-service-proxy\/v1\/track\";\nvar params = {\neventName: \"newsletterSubscribed\",\nemail: email,\npayload: {\nsubmitNiche: 'UKFSA-CUR',\nsubmitUrl: window.location.href,\nsubmitDomainCountry: 'uk',\nsubmitForm: 'subscriptionBox',\n},\n};\nvar result = fetch(endpointUrl, {\nmethod: \"POST\",\nheaders: {\n\"Content-Type\": \"application\/x-www-form-urlencoded\",\n},\nbody: $.param(params),\n});\n}\n\ntrackSegmentBE(email);\n\nf.className = \"luna-form__feedback has-padding-bottom-xsmall text-center\";\nf.innerHTML = \"Success! Thanks for signing up.\";\nb.setAttribute(\"disabled\", \"\");\nreturn true;\n\n};\n\nfunction sendJoinWaitlistGAEvent() {\nif (window.ga === undefined) {\nreturn;\n}\n\nwindow.ga('send', 'event', 'ukfin email signup', 'signed up', null, undefined, { nonInteraction: false });\n}\n<\/script>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n<h3>Will switching banks affect my chances of getting a loan?<\/h3><p>A hard credit check reduces your credit score very slightly, but this effect is usually short-lived. Most of us will need to take out a mortgage, credit card or loan at some point, so credit checks are standard in almost all credit files.<\/p><p>Certainly, being credit-checked for a new bank account won\u2019t be as harmful as missing a payment to a company you owe money to.<\/p><p>If you apply for an overdraft with your new bank account, this might impact your ability to get a loan, as lenders will consider the amount of credit you already have access to. The more credit you can already access, the tougher it will be to get more.<\/p><p>Some banks will offer you the opportunity to apply for their credit card at the same time as switching banks. This may involve a second credit check, as well as giving you greater access to credit. Both of these factors will affect your chances of getting a loan.<\/p><p>If you\u2019re planning to apply for a large loan in the near future, it\u2019s a good idea not to switch banks until after this loan has been approved.<\/p><p>Multiple credit checks in a short period is considered a red flag by many lenders, so switching many times could be more likely to impact your chances of being approved for future loans.<\/p><h3>How does opening a joint bank account affect my credit score?<\/h3><p>If you decide to open a bank account with someone else, this creates a financial association, and your credit files will be linked. If your partner has a poor credit score, your own credit score could be dragged down, making it harder for you to get credit again in the future. <\/p><h3>Using the 7-day switching service<\/h3><p>Using the 7-day switching service is the most efficient way to switch your bank account. Your new bank organises everything, making the process easy, reliable and hassle-free, and the switch should be completed within 7 working days. <\/p><p>It also guarantees that all payments from your old bank account, including direct debits and standing orders, will automatically be redirected to your new bank account, reducing the chances of an error being made. This is important, as missed payments can harm your credit score. <\/p><p>Nearly 50 banks and building societies are part of the 7-day switching service.<\/p><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><h4>Do<\/h4><ul class=\"list-1\"><li>Search for the best deal before switching banks<\/li><li>Switch using the 7-day switching service<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><h4>Don\u2019t<\/h4><ul class=\"list-12\"><li>Apply for an overdraft or credit card if you don\u2019t need it<\/li><li>Switch banks too regularly<\/li><li>Switch banks if you\u2019re about to apply for a large loan<\/li><\/ul><\/div><\/div><article class=\"luna-card luna-card--primary\"><div class=\"luna-card__block\"><h4>Example: Robert\u2019s loan application and his credit score<\/h4><p>In the middle of saving for a mortgage deposit, Robert discovered a bank account that paid a better interest rate on in-credit balances.<\/p><p>He was aware that switching banks would affect his credit score slightly, but as he didn\u2019t plan to apply for at least a year, he decided the extra interest was worth switching for.<\/p><p>The added interest helped him save for a mortgage deposit quicker, and his mortgage application was still approved due to all the other actions he was taking to improve his credit score.<\/p><p><small><strong>* This is a fictional, but realistic, example.<\/strong><\/small><\/p>\n\n\n<\/div><\/article><h3>Bottom line<\/h3><p>Switching bank accounts will usually affect your credit score, but the impact is typically so minimal that you should only worry about it if you\u2019re about to apply for a mortgage or a loan. You can <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/best-bank-switching-deals\">find the best switching deals<\/a> in our guide.<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Do lenders consider who I bank with?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>No, your choice of bank isn\u2019t taken into account when lenders consider your creditworthiness.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Can I switch banks if I\u2019m currently in my overdraft?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes, you can, but the new bank or building society will need to agree to the overdraft before you can switch. The new bank might also require you to have a good credit history. Switching to an account with a cheaper overdraft could help you to save hundreds of pounds in interest.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">How is my credit score affected if I open multiple bank accounts?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Each time you open a bank account, a credit check will usually be carried out, and this will knock your credit score down by a few points. Although this is only temporary, if you apply for several bank accounts over a short period, this can have a much bigger impact on your credit score. So it\u2019s generally better to space out applications by at least 3 months. Having multiple accounts with multiple overdrafts can also make it harder to get more credit in the future.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">What happens if something goes wrong when I switch bank accounts?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>The 7-day switching service is backed by the Current Account Switch Guarantee. If anything goes wrong and you incur any charges or interest on your old or new bank account, you\u2019ll be refunded.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><h3>How different factors can affect your credit score<\/h3><div class=\"az-listing js-az-listing\">\n    <div class=\"hide-mobile\">\n        <div class=\"az-listing__nav\">\n                    <div class=\"az-listing__nav-letter\">\n                                   #\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   A\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#B\"> B <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#C\"> C <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#D\"> D <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   E\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   F\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#G\"> G <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   H\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#I\"> I <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   J\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   K\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#L\"> L <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   M\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   N\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#O\"> O <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#P\"> P <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   Q\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   R\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#S\"> S <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   T\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#U\"> U <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   V\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   W\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   X\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   Y\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   Z\n                            <\/div>\n                <\/div>\n        <hr>\n    <\/div>\n        <div class=\"az-listing__items\">\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"B\" class=\"az-listing__header\">\n                B\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/paid-in-cash-credit-score\"> Being paid in cash <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/benefits-credit-score\"> Benefits <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"C\" class=\"az-listing__header\">\n                C\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/business-credit-cards\/can-a-business-card-affect-my-personal-credit\"> Company credit card <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/council-tax-arrears-credit-score\"> Council tax arrears <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/ccjs-credit-score\"> County court judgements (CCJs) <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/cash-advance-credit-score\"> Credit card cash advances <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"D\" class=\"az-listing__header\">\n                D\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/debt-consolidation\/debt-consolidation-credit-score\"> Debt consolidation <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"G\" class=\"az-listing__header\">\n                G\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/gambling-credit-score\"> Gambling <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"I\" class=\"az-listing__header\">\n                I\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/iva-credit-score\"> Individual voluntary agreement (IVA) <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"L\" class=\"az-listing__header\">\n                L\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/loan-applications-credit-score\"> Loan applications <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"O\" class=\"az-listing__header\">\n                O\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/other-people-credit-score\"> Other people <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/overdrafts-and-your-credit-score\"> Overdraft <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"P\" class=\"az-listing__header\">\n                P\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/parking-tickets-speeding-tickets-credit-score\"> Parking tickets or speeding tickets <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/payday-loans-credit-score\"> Payday loans <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"S\" class=\"az-listing__header\">\n                S\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/student-loans-affect-credit-score\"> Student loan <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/best-bank-switch-deals\/switching-banks-credit-score\"> Switching banks <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"U\" class=\"az-listing__header\">\n                U\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/utility-bills-credit-score\"> Utility bills <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n            <\/div>\n        <\/div>\n<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article> \n\n\n<style>\n#newsletter-fltr-signup { display:none; position: fixed; bottom: 0; left: 0; width: 100%; z-index: 5; padding: 0.5em 0em 0em; box-sizing: border-box; }\n.newsletter-fltr-signupImage { width: 92px; min-width: 92px; position: absolute; bottom: -10px; right: 0; padding-right: 8px; }\n.newsletter-fltr-signupGrid { padding-bottom: 0 !important; }\n#newsletter-fltr-signup-close-btn:hover { cursor: pointer; }\n#newsletter-fltr-signup-close-btn { color: #232320; background: #C3F53C; border-radius: 4px 4px 0px 0px; height: 1.5em; width: 80px; margin: -2em 0em 0.5em auto; text-align: center; padding-top: 4px; box-sizing: border-box; }\n.newsletter-fltr-signupHeader { color: #232320; font-size: 1.2em; margin-bottom: 0; line-height: 24px; letter-spacing: -0.2px; }\n.newsletter-fltr-signupText { font-size: 16px; letter-spacing: -0.2px; line-height: 20px; }\n.emllnks { display: flex; justify-content: space-between; align-items: center; line-height: 14px; font-size: 14px; }\n.emllnks a { text-decoration: none !important; }\n.emllnks a:focus, .emllnks a:hover { color: #232320 !important; } \n@media only screen and (max-width: 1250px) {\n#newsletter-fltr-signup { padding-left: 0.85em !important; padding-right: 0.85em !important; }\n}\n@media only screen and (max-width: 961px) {\n#newsletter-fltr-signup-close-btn { right: 2em; bottom: 7.5em; }\n.newsletter-fltr-signupCard { height: 120px; }\n.newsletter-fltr-signupImage { bottom: 0; min-width: 104px; }\n}\n@media only screen and (max-width: 601px) {\n#newsletter-fltr-signup-close-btn { right: 2em; bottom: 12em; }\n.newsletter-fltr-signupCard { height: 200px; }\n}\n@-webkit-keyframes fadein { 0% { opacity: 0; } 100% { opacity: 1; } }\n@keyframes fadein { 0% { opacity:0; } 100% { opacity:1; } }\n.fadeIn { opacity: 1; -moz-animation: fadein 0.5s linear; -webkit-animation: fadein 0.5s linear; animation: fadein 0.5s linear; }\n<\/style>\n\n\n\n<div id=\"newsletter-fltr-signup\" class=\"u-bg--lime-500\">\n<div class=\"f1-main-right-content transition-all f1-main-right-content--collapsed\">\n<div class=\"content\">\n\n<div id=\"newsletter-fltr-signup-close-btn\" class=\"text-x-small\">Hide <svg class=\"luna-icon luna-icon--xsmall has-margin-top-xxsmall\"><use xlink:href=\"#chevron-down\"><\/use><\/svg><\/div>\n\n<div class=\"u-grid u-grid--noWrap u-grid--alignMiddle u-grid--gutterSmall\">\n\n<div class=\"u-grid__col u-grid__col--alignBottom no-padding-bottom\" style=\"width: 20%; flex-basis: 20%; flex-grow: inherit; min-width: 70px; max-width: 100px; position: relative;\"><img decoding=\"async\" title=\"Image: Finder\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/kate_steere_3.png\" alt=\"Kate Steere\" class=\"newsletter-fltr-signupImage\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/kate_steere_3.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/kate_steere_3.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/kate_steere_3.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/kate_steere_3.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/kate_steere_3.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/div>\n\n<div class=\"u-grid__col\">\n\n<div class=\"u-grid u-grid--alignMiddle\">\n<div class=\"u-grid__col u-3\/5@m\">\n\n<p class=\"newsletter-fltr-signupHeader u-italic has-padding-top-xsmall has-padding-bottom-xxsmall is-hidden is-visible@s\">Get FREE alerts for new bank switching offers<\/p>\n<p class=\"newsletter-fltr-signupHeader u-italic has-padding-top-xxsmall has-padding-bottom-xxsmall is-hidden@s\">FREE switching offer alerts<\/p><p class=\"newsletter-fltr-signupText no-margin-bottom has-padding-bottom-xsmall\">Sign up to receive the latest deals, expert tips, and a chance to win <strong>\u00a3400!<\/strong> (T&amp;Cs)<\/p>\n\n<\/div>\n<div class=\"u-grid__col u-2\/5@m\">\n\n<form class=\"form js-ns-newsletter\" data-validation=\"\" data-niche=\"UKFSA-CUR\" novalidate=\"\" data-form=\"subscribeFloaterFooter\">\n<div class=\"u-grid u-grid--gutterCollapse has-margin-bottom-xxsmall\">\n<div class=\"u-grid__col u-2\/3 newsletter-fltr-signupGrid\">\n<div class=\"form__group\">\n<div class=\"form__input-group icon-mail js-email no-margin-bottom\"><input id=\"fltremlfld\" class=\"form__input-text form__input-group-text\" size=\"20\" maxlength=\"100\" type=\"email\" name=\"email\" placeholder=\" Enter your email\" aria-label=\"Email Address (required)\" aria-describedby=\"privacyDescription\" required=\"\" style=\"height: 40px; border-radius: 10px 0px 0px 10px; border: 1px solid #232320; padding: 0.5em;\">\n<\/div>\n<\/div>\n<\/div>\n<div class=\"u-grid__col u-1\/3 newsletter-fltr-signupGrid\">\n<button type=\"submit\" name=\"submit\" role=\"button\" class=\"u-btn--dark luna-button luna-button--fluid relative has-overflow-hidden no-margin-bottom\" onclick=\"fltrValidateEmailJoin()\" id=\"form-submit\" style=\"border-radius: 0px 10px 10px 0px; height: 40px; border: 1px solid #232320;\"><span class=\"btn__content\">Sign up<\/span><span class=\"btn__loading loading-pulse\">loading<\/span><span class=\"btn__success icon-tick\"><\/span><\/button>\n<\/div>\n<\/div>\n<p class=\"luna-form__feedback is-hidden\" id=\"email-error\"><\/p>\n<\/form>\n\n<div class=\"no-margin-bottom text-small emllnks text-center has-padding-top-xsmall\"><a href=\"https:\/\/www.finder.com\/uk\/about-us\/competition-winners\" class=\"has-margin-right-xxsmall\">Winners<\/a> | <a href=\"https:\/\/www.finder.com\/uk\/about-us\/example-email#savings\" class=\"has-margin-left-xxsmall has-margin-right-xxsmall\"><span class=\"is-hidden is-visible@s\">Past emails<\/span><span class=\"is-hidden@s\">Emails<\/span><\/a> | <a href=\"https:\/\/www.finder.com\/uk\/communication-preferences\" class=\"has-margin-left-xxsmall has-margin-right-xxsmall\">Unsubscribe<\/a> | <a href=\"https:\/\/www.finder.com\/uk\/privacy-policy\" class=\"has-margin-left-xxsmall\">Privacy<\/a><\/div>\n\n<\/div>\n<\/div>\n\n<\/div>\n<\/div>\n\n<\/div>\n<\/div>\n<\/div>\n\n\n\n\n\n\n<script>\ndocument.addEventListener(\"DOMContentLoaded\", function(event) {\nvar currentCookie = {};\ndocument.cookie.replace(\/([^=;]+)=([^;]*)\/gi, function(m,key,value) {currentCookie[key.replace(\/(^s+|s+$)\/g,'')] = value.replace(\/(^s+|s+$)\/g,'');});\nvar pageUrl = window.location.href;\n});\n\nfunction fltrValidateEmailJoin(){\nvar fltremlsgnp = document.getElementById(\"newsletter-fltr-signup\");\nvar email = document.getElementById(\"fltremlfld\").value;\nvar phoneNumber = '';\nvar f = document.getElementById('email-error');\nf.className = \"luna-form__feedback is-hidden\";\nif (email.includes(\"@\") && email.includes(\".\") && email.indexOf(\"gnail.com\") == -1 && email.indexOf(\"hitmail.co\") == -1) {\nfltrGetSignUpPayload(email);\nreturn true;\n} else {\nf.innerHTML = \"Hmm... your email address doesn't look quite right. Please re-enter it and try again.\";\nf.className = \"luna-form__feedback has-padding-bottom-xsmall text-center\";\nreturn false;\n}\n};\n\nfunction fltrGetSignUpPayload(email) {\nvar trackingParams = {};\ndocument.cookie.split(';').forEach((a) => {if(a.includes(\"__futm_data=\")){trackingParams = JSON.parse(decodeURI(a.split(\"=\")[1]).replaceAll('%3A',':').replaceAll('%2C',','))}});\ntrackingParams.signUpUrl = window.location.href;\nfltrSegmentSignUp(email,trackingParams);\nfltrSendJoinWaitlistGAEvent();\n};\n\nfunction fltrSegmentSignUp(email,trackingParams) {\nvar email = document.getElementById(\"fltremlfld\").value;\nvar phoneNumber = '';\nvar f = document.getElementById('email-error');\nvar b = document.getElementById('form-submit');\n\nfunction fltrTrackSegmentBE(email) {\nvar endpointUrl = \"\/wp-json\/notification-service-proxy\/v1\/track\";\nvar params = {\neventName: \"newsletterSubscribed\",\nemail: email,\npayload: {\nsubmitNiche: 'UKFSA-CUR',\nsubmitUrl: window.location.href,\nsubmitDomainCountry: 'uk',\nsubmitForm: 'subscribeFloaterFooter',\n},\n};\nvar result = fetch(endpointUrl, {\nmethod: \"POST\",\nheaders: {\n\"Content-Type\": \"application\/x-www-form-urlencoded\",\n},\nbody: $.param(params),\n});\n}\n\nfltrTrackSegmentBE(email);\nf.className = \"luna-form__feedback has-padding-bottom-xsmall text-center\";\nf.innerHTML = \"Success! Thanks for signing up.\";\nsetTimeout(fltrCloseNewsletterSignup, 1000);\nb.setAttribute(\"disabled\", \"\");\nreturn true;\n};\n\nfunction fltrSendJoinWaitlistGAEvent() {\nif (window.ga === undefined) {\nreturn;\n}\n\nwindow.ga('send', 'event', 'ukfin email signup floater', 'signed up', null, undefined, { nonInteraction: false });\n}\n\nfunction fltrCloseNewsletterSignup() {\ndocument.getElementById(\"newsletter-fltr-signup\").style.display = \"none\";\ndocument.getElementById(\"newsletter-fltr-signup\").classList.add(\"clsd\");\n}\n\ndocument.getElementById(\"newsletter-fltr-signup-close-btn\").onclick = fltrCloseNewsletterSignup;\n\nvar myScrollFunc = function() {\nvar fltremlsgnp = document.getElementById(\"newsletter-fltr-signup\");\nvar y = document.documentElement.scrollTop;\nif (y > 750 && !fltremlsgnp.classList.contains(\"clsd\")) {\nfltremlsgnp.style.display = \"block\";\nfltremlsgnp.classList.add(\"fadeIn\");\n}\n};\n\nwindow.addEventListener(\"scroll\", myScrollFunc);\n<\/script>","protected":false},"excerpt":{"rendered":"<p>All you need to know about the impact that switching banks has on your credit score.<\/p>\n","protected":false},"author":195,"featured_media":122412,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[130067],"tags":[],"asset_tag":[],"class_list":["post-122404","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-best-bank-switch-deals"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Will switching banks affect my credit score? Your questions answered.<\/title>\n<meta name=\"description\" content=\"Learn everything you need to know about the impact that switching banks could have on your credit score?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/current-accounts\/best-bank-switch-deals\/switching-banks-credit-score\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Does switching banks affect your credit score?\" \/>\n<meta property=\"og:description\" content=\"Learn everything you need to know about the impact that switching banks could have on your credit score?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/uk\/current-accounts\/best-bank-switch-deals\/switching-banks-credit-score\" \/>\n<meta property=\"og:site_name\" content=\"Finder UK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/findercomuk\" \/>\n<meta property=\"article:published_time\" content=\"2018-07-27T13:42:47+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2018\/07\/switching-banks-250.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"250\" \/>\n\t<meta property=\"og:image:height\" content=\"250\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Chris Lilly\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@https:\/\/twitter.com\/ChrisLillyCL\" \/>\n<meta name=\"twitter:site\" content=\"@findercomUK\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Chris Lilly\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/best-bank-switch-deals\/switching-banks-credit-score#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/best-bank-switch-deals\/switching-banks-credit-score\"},\"author\":[{\"name\":\"Chris Lilly\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/2bcd9231d1c1e8ed47cffe934574b9ad\"},{\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/2bcd9231d1c1e8ed47cffe934574b9ad\"}],\"headline\":\"Does switching banks affect your credit score?\",\"datePublished\":\"2018-07-27T13:42:47+00:00\",\"dateModified\":\"2023-11-20T17:03:24+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/best-bank-switch-deals\/switching-banks-credit-score\"},\"wordCount\":1257,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/best-bank-switch-deals\/switching-banks-credit-score#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2018\/07\/switching-banks-250.jpg\",\"articleSection\":[\"Switching deals\"],\"inLanguage\":{\"@type\":\"Language\",\"name\":\"English\",\"alternateName\":\"en\"},\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.finder.com\/uk\/current-accounts\/best-bank-switch-deals\/switching-banks-credit-score#respond\"]}],\"editor\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/81fdb97f130e389795daf564d105092e\"},\"copyrightYear\":\"2019\",\"copyrightHolder\":{\"@id\":\"https:\/\/www.finder.com\/#organization\"},\"citation\":[{\"@type\":\"CreativeWork\",\"name\":\"Energy Saving Trust\",\"url\":\"https:\/\/energysavingtrust.org.uk\/hub\/quick-tips-to-save-energy\/\"}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/best-bank-switch-deals\/switching-banks-credit-score\",\"url\":\"https:\/\/www.finder.com\/uk\/current-accounts\/best-bank-switch-deals\/switching-banks-credit-score\",\"name\":\"Will switching banks affect my credit score? Your questions answered.\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/best-bank-switch-deals\/switching-banks-credit-score#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/best-bank-switch-deals\/switching-banks-credit-score#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2018\/07\/switching-banks-250.jpg\",\"datePublished\":\"2018-07-27T13:42:47+00:00\",\"dateModified\":\"2023-11-20T17:03:24+00:00\",\"description\":\"Learn everything you need to know about the impact that switching banks could have on your credit score?\",\"breadcrumb\":{\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/best-bank-switch-deals\/switching-banks-credit-score#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.finder.com\/uk\/current-accounts\/best-bank-switch-deals\/switching-banks-credit-score\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/best-bank-switch-deals\/switching-banks-credit-score#primaryimage\",\"url\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2018\/07\/switching-banks-250.jpg\",\"contentUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2018\/07\/switching-banks-250.jpg\",\"width\":250,\"height\":250,\"caption\":\"Young woman with her laptop and paperwork staring thoughtfully into the air\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/best-bank-switch-deals\/switching-banks-credit-score#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"UK\",\"item\":\"https:\/\/www.finder.com\/uk\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Credit score\",\"item\":\"https:\/\/www.finder.com\/uk\/credit-score\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Do utility bills affect your credit score?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.finder.com\/uk\/#website\",\"url\":\"https:\/\/www.finder.com\/uk\/\",\"name\":\"Finder UK\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.finder.com\/uk\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-GB\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\",\"name\":\"Finder\",\"url\":\"https:\/\/www.finder.com\/uk\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/05\/Finder-Logo-696x696-1.png\",\"contentUrl\":\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/05\/Finder-Logo-696x696-1.png\",\"width\":1392,\"height\":1392,\"caption\":\"Finder\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/findercomuk\",\"https:\/\/x.com\/findercomUK\",\"https:\/\/www.linkedin.com\/company\/finder\/\",\"https:\/\/en.wikipedia.org\/wiki\/Finder_(website)\"],\"description\":\"Every month more than 2 million unique visitors turn to Finder to save money and time, and to make important life choices. We compare everything from bank accounts, personal loans, investing platforms and much more.\",\"email\":\"heythere@finder.com\",\"legalName\":\"Finder\",\"foundingDate\":\"2006-01-01\",\"numberOfEmployees\":{\"@type\":\"QuantitativeValue\",\"minValue\":\"51\",\"maxValue\":\"200\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/2bcd9231d1c1e8ed47cffe934574b9ad\",\"name\":\"Chris Lilly\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/11\/ChrisLillyF1_Finder_600x600.png\",\"contentUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/11\/ChrisLillyF1_Finder_600x600.png\",\"caption\":\"Chris Lilly\"},\"description\":\"Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more.\",\"sameAs\":[\"https:\/\/www.linkedin.com\/in\/chris-lilly-46a15627\/\",\"https:\/\/x.com\/https:\/\/twitter.com\/ChrisLillyCL\"],\"url\":\"https:\/\/www.finder.com\/uk\/author\/chrislilly\",\"worksFor\":{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\",\"name\":\"Finder\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/2bcd9231d1c1e8ed47cffe934574b9ad\",\"name\":\"Chris Lilly\",\"description\":\"Chris Lilly is a personal finance expert and specialises in helping UK consumers untangle the features and costs of a range of financial products. Having started out with the Press Association, Chris initially joined Finder to focus on credit cards and personal loans. \",\"jobTitle\":\"Head of publishing\",\"url\":\"https:\/\/www.finder.com\/uk\/author\/chrislilly\",\"sameAs\":[\"https:\/\/twitter.com\/ChrisLillyCL\",\"https:\/\/www.linkedin.com\/in\/chris-lilly-46a15627\/\"],\"knowsAbout\":[{\"@type\":\"Thing\",\"name\":\"Loans & credit cards\"},{\"@type\":\"Thing\",\"name\":\"Building credit\"},{\"@type\":\"Thing\",\"name\":\"Financial health\"},{\"@type\":\"Thing\",\"name\":\"Share trading\"}],\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/image\/\/2bcd9231d1c1e8ed47cffe934574b9ad\",\"url\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/11\/ChrisLillyF1_Finder_600x600.png\",\"contentUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/11\/ChrisLillyF1_Finder_600x600.png\",\"caption\":\"Chris Lilly\"},\"worksFor\":{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\",\"name\":\"Finder\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/81fdb97f130e389795daf564d105092e\",\"name\":\"Holly Jennings\",\"description\":\"Holly Jennings is the deputy crypto editor and updates writer at Finder, working with writers across all niches to deliver quality content to readers. She\u2019s edited hundreds of financial articles ranging from credit cards to investments. With empathy at heart, she especially enjoys content that breaks down complex financial situations into easy-to-understand information. Her viral articles have been featured on Yahoo Finance, AOL.com, and more. In her spare time, she is an award-winning author for Penguin Random House, writing about virtual reality worlds, magical girls and lasers that go pew-pew.\",\"jobTitle\":\"Deputy Crypto Editor\",\"url\":\"https:\/\/www.finder.com\/uk\/author\/hollyjennings\",\"knowsAbout\":[{\"@type\":\"Thing\",\"name\":\"Cryptocurrency\"},{\"@type\":\"Thing\",\"name\":\"Digital assets\"},{\"@type\":\"Thing\",\"name\":\"Investments\"},{\"@type\":\"Thing\",\"name\":\"Personal Banking\"}],\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/image\/\/81fdb97f130e389795daf564d105092e\",\"url\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/11\/HollyJenningsF1_Finder_600x600.png\",\"contentUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/11\/HollyJenningsF1_Finder_600x600.png\",\"caption\":\"Holly Jennings\"},\"worksFor\":{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\",\"name\":\"Finder\"}}]}<\/script>\n<meta property=\"article:modified_time\" content=\"2023-11-20T17:03:24+00:00\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Will switching banks affect my credit score? Your questions answered.","description":"Learn everything you need to know about the impact that switching banks could have on your credit score?","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.finder.com\/uk\/current-accounts\/best-bank-switch-deals\/switching-banks-credit-score","og_locale":"en_GB","og_type":"article","og_title":"Does switching banks affect your credit score?","og_description":"Learn everything you need to know about the impact that switching banks could have on your credit score?","og_url":"https:\/\/www.finder.com\/uk\/current-accounts\/best-bank-switch-deals\/switching-banks-credit-score","og_site_name":"Finder UK","article_publisher":"https:\/\/www.facebook.com\/findercomuk","article_published_time":"2018-07-27T13:42:47+00:00","og_image":[{"width":250,"height":250,"url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2018\/07\/switching-banks-250.jpg","type":"image\/jpeg"}],"author":"Chris Lilly","twitter_card":"summary_large_image","twitter_creator":"@https:\/\/twitter.com\/ChrisLillyCL","twitter_site":"@findercomUK","twitter_misc":{"Written by":"Chris Lilly","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.finder.com\/uk\/current-accounts\/best-bank-switch-deals\/switching-banks-credit-score#article","isPartOf":{"@id":"https:\/\/www.finder.com\/uk\/current-accounts\/best-bank-switch-deals\/switching-banks-credit-score"},"author":[{"name":"Chris Lilly","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/2bcd9231d1c1e8ed47cffe934574b9ad"},{"@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/2bcd9231d1c1e8ed47cffe934574b9ad"}],"headline":"Does switching banks affect your credit score?","datePublished":"2018-07-27T13:42:47+00:00","dateModified":"2023-11-20T17:03:24+00:00","mainEntityOfPage":{"@id":"https:\/\/www.finder.com\/uk\/current-accounts\/best-bank-switch-deals\/switching-banks-credit-score"},"wordCount":1257,"commentCount":0,"publisher":{"@id":"https:\/\/www.finder.com\/uk\/#organization"},"image":{"@id":"https:\/\/www.finder.com\/uk\/current-accounts\/best-bank-switch-deals\/switching-banks-credit-score#primaryimage"},"thumbnailUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2018\/07\/switching-banks-250.jpg","articleSection":["Switching deals"],"inLanguage":{"@type":"Language","name":"English","alternateName":"en"},"potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.finder.com\/uk\/current-accounts\/best-bank-switch-deals\/switching-banks-credit-score#respond"]}],"editor":{"@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/81fdb97f130e389795daf564d105092e"},"copyrightYear":"2019","copyrightHolder":{"@id":"https:\/\/www.finder.com\/#organization"},"citation":[{"@type":"CreativeWork","name":"Energy Saving Trust","url":"https:\/\/energysavingtrust.org.uk\/hub\/quick-tips-to-save-energy\/"}]},{"@type":"WebPage","@id":"https:\/\/www.finder.com\/uk\/current-accounts\/best-bank-switch-deals\/switching-banks-credit-score","url":"https:\/\/www.finder.com\/uk\/current-accounts\/best-bank-switch-deals\/switching-banks-credit-score","name":"Will switching banks affect my credit score? Your questions answered.","isPartOf":{"@id":"https:\/\/www.finder.com\/uk\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.finder.com\/uk\/current-accounts\/best-bank-switch-deals\/switching-banks-credit-score#primaryimage"},"image":{"@id":"https:\/\/www.finder.com\/uk\/current-accounts\/best-bank-switch-deals\/switching-banks-credit-score#primaryimage"},"thumbnailUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2018\/07\/switching-banks-250.jpg","datePublished":"2018-07-27T13:42:47+00:00","dateModified":"2023-11-20T17:03:24+00:00","description":"Learn everything you need to know about the impact that switching banks could have on your credit score?","breadcrumb":{"@id":"https:\/\/www.finder.com\/uk\/current-accounts\/best-bank-switch-deals\/switching-banks-credit-score#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.finder.com\/uk\/current-accounts\/best-bank-switch-deals\/switching-banks-credit-score"]}]},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.finder.com\/uk\/current-accounts\/best-bank-switch-deals\/switching-banks-credit-score#primaryimage","url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2018\/07\/switching-banks-250.jpg","contentUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2018\/07\/switching-banks-250.jpg","width":250,"height":250,"caption":"Young woman with her laptop and paperwork staring thoughtfully into the air"},{"@type":"BreadcrumbList","@id":"https:\/\/www.finder.com\/uk\/current-accounts\/best-bank-switch-deals\/switching-banks-credit-score#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"UK","item":"https:\/\/www.finder.com\/uk\/"},{"@type":"ListItem","position":2,"name":"Credit score","item":"https:\/\/www.finder.com\/uk\/credit-score"},{"@type":"ListItem","position":3,"name":"Do utility bills affect your credit score?"}]},{"@type":"WebSite","@id":"https:\/\/www.finder.com\/uk\/#website","url":"https:\/\/www.finder.com\/uk\/","name":"Finder UK","description":"","publisher":{"@id":"https:\/\/www.finder.com\/uk\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.finder.com\/uk\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"},{"@type":"Organization","@id":"https:\/\/www.finder.com\/uk\/#organization","name":"Finder","url":"https:\/\/www.finder.com\/uk\/","logo":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/logo\/image\/","url":"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/05\/Finder-Logo-696x696-1.png","contentUrl":"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/05\/Finder-Logo-696x696-1.png","width":1392,"height":1392,"caption":"Finder"},"image":{"@id":"https:\/\/www.finder.com\/uk\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/findercomuk","https:\/\/x.com\/findercomUK","https:\/\/www.linkedin.com\/company\/finder\/","https:\/\/en.wikipedia.org\/wiki\/Finder_(website)"],"description":"Every month more than 2 million unique visitors turn to Finder to save money and time, and to make important life choices. We compare everything from bank accounts, personal loans, investing platforms and much more.","email":"heythere@finder.com","legalName":"Finder","foundingDate":"2006-01-01","numberOfEmployees":{"@type":"QuantitativeValue","minValue":"51","maxValue":"200"}},{"@type":"Person","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/2bcd9231d1c1e8ed47cffe934574b9ad","name":"Chris Lilly","image":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/image\/","url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/11\/ChrisLillyF1_Finder_600x600.png","contentUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/11\/ChrisLillyF1_Finder_600x600.png","caption":"Chris Lilly"},"description":"Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more.","sameAs":["https:\/\/www.linkedin.com\/in\/chris-lilly-46a15627\/","https:\/\/x.com\/https:\/\/twitter.com\/ChrisLillyCL"],"url":"https:\/\/www.finder.com\/uk\/author\/chrislilly","worksFor":{"@type":"Organization","@id":"https:\/\/www.finder.com\/uk\/#organization","name":"Finder"}},{"@type":"Person","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/2bcd9231d1c1e8ed47cffe934574b9ad","name":"Chris Lilly","description":"Chris Lilly is a personal finance expert and specialises in helping UK consumers untangle the features and costs of a range of financial products. Having started out with the Press Association, Chris initially joined Finder to focus on credit cards and personal loans. ","jobTitle":"Head of publishing","url":"https:\/\/www.finder.com\/uk\/author\/chrislilly","sameAs":["https:\/\/twitter.com\/ChrisLillyCL","https:\/\/www.linkedin.com\/in\/chris-lilly-46a15627\/"],"knowsAbout":[{"@type":"Thing","name":"Loans & credit cards"},{"@type":"Thing","name":"Building credit"},{"@type":"Thing","name":"Financial health"},{"@type":"Thing","name":"Share trading"}],"image":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/image\/\/2bcd9231d1c1e8ed47cffe934574b9ad","url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/11\/ChrisLillyF1_Finder_600x600.png","contentUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/11\/ChrisLillyF1_Finder_600x600.png","caption":"Chris Lilly"},"worksFor":{"@type":"Organization","@id":"https:\/\/www.finder.com\/uk\/#organization","name":"Finder"}},{"@type":"Person","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/81fdb97f130e389795daf564d105092e","name":"Holly Jennings","description":"Holly Jennings is the deputy crypto editor and updates writer at Finder, working with writers across all niches to deliver quality content to readers. She\u2019s edited hundreds of financial articles ranging from credit cards to investments. With empathy at heart, she especially enjoys content that breaks down complex financial situations into easy-to-understand information. Her viral articles have been featured on Yahoo Finance, AOL.com, and more. In her spare time, she is an award-winning author for Penguin Random House, writing about virtual reality worlds, magical girls and lasers that go pew-pew.","jobTitle":"Deputy Crypto Editor","url":"https:\/\/www.finder.com\/uk\/author\/hollyjennings","knowsAbout":[{"@type":"Thing","name":"Cryptocurrency"},{"@type":"Thing","name":"Digital assets"},{"@type":"Thing","name":"Investments"},{"@type":"Thing","name":"Personal Banking"}],"image":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/image\/\/81fdb97f130e389795daf564d105092e","url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/11\/HollyJenningsF1_Finder_600x600.png","contentUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/11\/HollyJenningsF1_Finder_600x600.png","caption":"Holly Jennings"},"worksFor":{"@type":"Organization","@id":"https:\/\/www.finder.com\/uk\/#organization","name":"Finder"}}]},"article_modified_time":"2023-11-20T17:03:24+00:00"},"custom_fields":{"_content_type":["niche-content\/information\/what-is"],"_masthead_variant":["{\"id\":\"standard-blue\",\"showFeaturedImage\":false,\"presetId\":\"\",\"shouldUsePrimaryCTAFieldName\":false,\"shouldUseSecondaryCTAFieldName\":false,\"primaryCTA\":null,\"secondaryCTA\":null,\"widgetShortcode\":\"\",\"widgetHeading\":\"\",\"widgetStats\":\"\",\"hasPrioritizedWidget\":false,\"hasMaximizedWidget\":false,\"shouldUseOverrideCTALabel\":false,\"overrideCTA\":null,\"cleanTopPicks\":\"\"}"],"_masthead_subheading":["{\"text\":\"Switching bank accounts is easy, but it usually involves a credit check with a small negative impact on your credit score.\"}"],"_wp_page_template":["default"],"custom_post_template":["single-masthead-two-column.php"]},"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/posts\/122404"}],"collection":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/users\/195"}],"replies":[{"embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/comments?post=122404"}],"version-history":[{"count":10,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/posts\/122404\/revisions"}],"predecessor-version":[{"id":540748,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/posts\/122404\/revisions\/540748"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/media\/122412"}],"wp:attachment":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/media?parent=122404"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/categories?post=122404"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/tags?post=122404"},{"taxonomy":"asset_tag","embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/asset_tag?post=122404"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}