Compare current accounts

Moving bank can seem like a daunting prospect but choosing the right current account could earn you extra cash in credit interest and cashback, or save you hundreds of pounds in overdraft charges.

Don’t put up with poor customer service and low interest rates from your bank - compare our top current account deals and switch today.

Compare current accounts	Interest (AER%)	Fees	Features
FlexDirect	5.0% AER	Free	5% AER for in-credit balances up to £2,500 12 month fee-free overdraft Online, mobile and telephone banking, free text alerts We say Nationwide's FlexDirect offers a competitive rate of 5% - worth up to £125 a year if your balance is £2,500 in credit. The interest-free overdraft for 12 months comes in handy, with charges thereafter costing 50p per day.	Nationwide BS: FlexDirect Enquire
Winner - Best Current Account Provider 2013. 1st Account	0.0% AER	Free	Receive £100 when you switch Interest free £250 overdraft £100 if you leave after 6 months We say First Direct offer a £100 switching incentive and a further £100 if you decide you're not happy after 6 months. Winner of 4 categories in the 2013 customer satisfaction awards The useful £250 interest-free overdraft comes as standard.	First Direct: 1st Account Enquire
123 Current Account	3.0% AER	£2 a month	Cashback of 1% on water and council tax bills Cashback of 2% on gas and electricity bills Cashback of 3% on mobile, home phone, broadband and paid for TV packages We say The more you pay in monthly bills, the more the 123 account will pay you in cashback, making it suitable for those with high income and expenses. The £2 monthly fee will reduce what you receive in cashback, though the account does offer an attractive rate of 3% on balances from £3,000 and up to a maximum of £20,000.	Santander: 123 Current Account Enquire
Gold Classic	0.0% AER	No fee if you pay in at least £500 per month or hold a balance above £5,000, otherwise £5 per month	£250 interest free overdraft for 6 months Free overseas spending on your debit card A range of exclusive savings accounts with preferential rates. We say A very helpful account when using abroad - Free debit card usage with no withdrawal charges, retail transcation charges or handling fee.	Norwich & Peterborough Building Society: Gold Classic Enquire
FlexAccount	0.0% AER	Free	Annual European travel insurance Discounted home insurance or loans Preferential savings rates We say This account offers handy European travel insurance and discounted home insurance or personal loans deals - not bad considering there's no monthly fee. If you're able to pay in at least £750 a month, the Nationwide account could be worth a look.	Nationwide: FlexAccount Enquire
Winner - In Branch Customer Service Current Account Plus	0.0% AER	Free	Fee-free £200 overdraft Minimum monthly deposit of £800 Free UK cash withdrawals We say If you're likely to slip into the red at the end of each month, this account could be a good choice - just make sure you're able to pay in at least £800 a month. The Co-operative Bank is also a good option if you want to know your money is being invested ethically.	The Co-operative Bank : Current Account Plus Enquire
Select Account	0.0% AER	Free	Emergency cash if you lose your card Mobile banking apps 24 hour phone and online banking A Visa Debit card with contactless technology will be issued - allowing to make payments of £20 or less We say You can receive a £100 interest-free buffer if you go overdrawn, but if you need to borrow more the authorised overdraft rate is high at 19.89%.	NatWest : Select Account Enquire
Bank Account	0.0% AER	Free	Contactless debit card (subject to status), which you can personalise for free with your favourite photo (image guidelines apply). The ability to add one or more Packs, that provide useful protection for your gadgets, home appliances and travel (packs come at an additional cost). Online and mobile banking We say With no need to enter your PIN, the contactless debit card makes for a quick and easy way to pay for shopping that costs £20 or less.	Barclays: Bank Account Enquire
Everyday Account	0.0% AER	Free	Free arranged overdraft for 4 months Overdraft matching service 24 hours a day phone and online banking We say Santander's most standard current account offers a handy fee-free overdraft for the first four months, after which a £1 per day fee capped at 20 days per monthly statement period applies.	Santander: Everyday Account Enquire
Winner - Benefits and Incentives Reward Current Account	0.0% AER	Free	Switch to this account and get £100 (offer valid till the 7th July) £5 cashback each month 24 hours a day phone and online banking We say Halifax are currently offering £5 monthly cashback, which could net you £60 over a year. Switch to this account and get £100 (offer valid till the 7th July) Be sure to arrange an overdraft - using an unplanned one will cost you £5 a day in fees.	Halifax: Reward Current Account Enquire
Bank Account	0.0% AER	£9.95 per month / PAYG	Standing Order & Bill Payment facility No credit checks Credit building facility through Creditbuilder We say With a Clear Cash prepaid account you can choose a payment plan to suit your spending habits - either pay a monthly fee of £9.95 or a 2.5% charge each time you buy goods in a shop.	Clear Cash: Bank Account Enquire
Current Account	0.0% AER	£12.50 per month	No credit checks - guaranteed acceptance Access your account 24/7 Pay in at Post Office & PayPoint We say You can manage your account at your own convenience via their free online service. You’ll also benefit from free cash withdrawals and UK point of sale transactions.	Tuxedo: Current Account Enquire
Prepaid Bank Account	0.0% AER	£12.50 per month	Cash rewards at leading retailers No credit checks No charges for bounced direct debits We say With no credit checks or charges for bounced direct debits, this account could offer a good alternative way to keeping on top of your finances. There's a 50 pence charge if you want to withdraw cash from an ATM.	Secure Trust: Prepaid Bank Account Enquire
Select Silver	0.0% AER	£10 a month	European travel insurance plus winter sports cover Mobile phone insurance DVD rental from LoveFilm A Visa Debit card with contactless technology will be issued - allowing to make payments of £20 or less We say NatWest's cheapest packaged account offers European travel insurance including winter sports cover - useful if you go on regular ski trips. You can also rent up to three DVDs a month with LoveFilm - a benefit worth £5.99 separately.	NatWest: Select Silver Enquire
Select Silver	0.0% AER	£10 a month	European travel insurance plus winter sports cover Mobile phone insurance DVD rental from LoveFilm A Visa Debit card with contactless technology will be issued - allowing to make payments of £20 or less We say RBS's cheapest packaged account offers European travel insurance including winter sports cover - useful if you go on regular ski trips. Mobile phone cover includes iPhones up to a value of £750. Two phones can be covered if you have a joint account.	RBS: Select Silver Enquire
FlexPlus	3.0% AER	£10 a month	3% AER on balances up to £2,500 3 month interest free overdraft Commission free cash withdrawals abroad We say Great account for those who like to travel. Account comes with worldwide travel insurance, mobile phone insurance, breakdown cover and extended warranty.	Nationwide: FlexPlus Enquire
Winner - Trust, Winner - Value for Money, Winner - Online banking experience Smile Current Account	% AER		We say 12 month £500 fee-free overdraft in case you’re caught short convenient online banking with 24 hour support by e-mail or phone UK-based customer services team special rates on more of our products	Smile: Smile Current Account Enquire
Plus Current Account	0.0% AER	No fee if you pay in at least £1,800 per month, otherwise £8 per month	Access to fee-free coreign currency accounts Fee-free funds transfers to Citibank accounts worldwide Free worldwide annual travel insurance We say The Citibank account is free to run as long as you can pay in at least £1,800 per month. The travel insurance could be useful if you regularly holiday abroad.	Citibank: Plus Current Account Enquire
Premier International	0.0% AER	No fee if you pay in at least £2,500 per month, otherwise £20 per month	Visa debit cards in the three major currencies Worldwide family travel insurance Relationship manager service if you hold a balance of £50,000 or more We say The Premier International account allows you to make international payments and receive money from overseas for free, though other banks may charge a fee for receiving payments. The worldwide travel insurance is a great perk for frequent travellers, however the cover is only available to Pound Sterling account holders.	Lloyds TSB: Premier International Enquire
Select Account	0.0% AER	Free	Emergency cash if you lose your card Fraud alerts for unusual account activity Fee-free £100 overdraft A Visa Debit card with contactless technology will be issued - allowing to make payments of £20 or less We say The emergency cash option is useful if you're prone to losing your debit card, allowing you to withdraw up to £300 from any RBS, NatWest or Ulster Bank cash machine if you have enough money in your account.	RBS: Select Account Enquire

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