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Current Accounts

Provider This gives you some information on the current account provider.	Credit interest rate The rate shown is the Annual Earnings Rate (AER) which is a widely used measure of how much return you'll see on your savings. It is the equivalent of the APR measure used for credit cards or loans etc. The higher the AER figure, the more interest you'll earn.	Account features This column gives you any additional features the account can offer. This could include cashback, free travel insurance, money off vouchers, or 24-hour banking services.	Eligibility This tells you any criteria you must fulfill in order to qualify for the account.	Apply To start the application process for a new account or to switch, simply click on the Apply button next to your choice. To ensure you are eligible for the account we will then highlight the requirements of the account. If you meet the requirements, you continue to the provider's website where you can start the application.
HSBC Current Account	6% AER	Get a fixed 6% AER (5.84% gross) valid till 31st Jan 2012 19.9% AER variable (subject to status) on arranged overdrafts Access to 4% AER/gross Regular Saver Mobile and Internet banking	must pay £500 or more a month	Apply
Preferred Current Account	5% AER	Earn between £100 to £300 for switching* 5% AER for 12 months 0% overdraft for the first 12 months	must pay in at least £1,000 a month	Apply
Current Account Plus	0% AER	Fee free over draft up to £200 Britannia Fixed Rate Cash ISA available* Linked Savings account	must pay in at least £800	Apply
Select Silver Account from Natwest	0% AER	3 LOVEFiLM DVD rentals per month 5 hmvdigital music downloads per month European Travel Insurance Mobile Phone Insurance including iPhone	£8.00 monthly fee	Apply
FlexAccount	0% AER	Internet Banking Travel Insurance Exclusive offers to FlexAccount customers Interest free overdraft for 3 months (conditions apply) ...and more	You need to be 16 or over	Apply
Current Account Plus	0% AER	Personal Reserve Extended warranty cover Gadget Insurance Free Legal Helpline Agreed interest free overdraft ...and more	£6.50 monthly fee	Apply
Select Account from RBS	0% AER	Free app for your iPhone Overdraft (subject to eligibilty) Emergency cash (withdraw up to £300 if you lose your debit card). … and more	Overdraft subject to eligibility	Apply
Advantage Gold	0% AER	Mobile phone insurance- includes iPhones Green Flag car breakdown cover Annual world wide travel insurance- includes winter sports …and more	£12.95 monthly fee	Apply
Secure Trust Bank Account	0% AER	No credit checks £12.50 monthly cost Associated prepaid card No charge for bounced direct debit		Apply

Provider This gives you some information on the current account provider.	Overdraft interest rate Dependent on provider you will see one of two measurements to show the interest you will be charged on your overdraft. Equivalent Annual Rate (EAR): This is used by providers for overdrafts, which are repayable on demand. The rate shows the effect of interest accruing on interest, where no repayments to the borrowing are made in a year. Above Bank Rate (ABR): The ABR interest rate is the sum of two parts; the providers bank rate (which changes each month and is updated for our calculations) and the ABR rate. Please note, we update the bank rate each month and use this in our calculations to ensure your results are accurate, however we only show the ABR rate on the results page. Please note all figures shown are for agreed and authorised overdrafts only.	Account features This column gives you any additional features the account can offer. This could include cashback, free travel insurance, money off vouchers, or 24-hour banking services.	Eligibility This tells you any criteria you must fulfill in order to qualify for the account.	Apply To start the application process for a new account or to switch, simply click on the Apply button next to your choice. To ensure you are eligible for the account we will then highlight the requirements of the account. If you meet the requirements, you continue to the provider's website where you can start the application.
1st Account	0% AER	£100 cashback upon account opening Access to market leading 8% AER savings account Free £250 overdraft	Pay in at least £1,500 per month	Apply
Advantage Gold	0.25% AER	Mobile phone insurance- includes iPhones Green Flag car breakdown cover Annual world wide travel insurance- includes winter sports Holiday discounts with Thomas Cook Emergency cash (withdraw up to £300 if you lose your debit card) …and more	£12.95 a month must be over 18 pay in at least £1,000	Apply
Reward Current Account	Interest free arranged overdraft	£100 cashback when you switch Over £400 worth of benefits 5% AER (fixed) for 12 months	£10 monthly charge	Apply

Provider This gives you some information on the current account provider.	Credit interest rate The rate shown is the Annual Earnings Rate (AER) which is a widely used measure of how much return you'll see on your savings. It is the equivalent of the APR measure used for credit cards or loans etc. The higher the AER figure, the more interest you'll earn.	Features/eligibility This column gives you any additional features the account can offer and any criteria you must fulfill in order to qualify for the account.	Account fees This tells you what the monthly fee (if applicable) is for the account.	Apply To start the application process for a new account or to switch, simply click on the Apply button next to your choice. To ensure you are eligible for the account we will then highlight the requirements of the account. If you meet the requirements, you continue to the provider's website where you can start the application.
Current Account Plus	0% AER	Personal Reserve Extended warranty cover Gadget Insurance Free Legal Helpline Agreed interest free overdraft ...and more	£5 a month	Apply
Privilege Premier account	0% AER	UK breakdown cover Global family travel insurance Home insurance discount Phone insurance Exclusive mortgage deals £300 interest free overdraft ...and more	£13 a month	Apply
Additions Active	0% AER	Global family travel insurance RAC breakdown cover Mobile phone insurance Must be aged over 18 and UK resident 18.3% per annum (variable) ...and more	£15 a month	Apply
Privilege account	0% AER	Global family travel insurance Home insurance discount Phone insurance Exclusive mortgage deals £200 interest free overdraft ...and more	£9.50 a month	Apply
Reward Current Account	5% AER (Fixed)	£100 Cashback upon account opening 5% AER for 12 months Global Travel Insurance Breakdown cover ...and more	£10 a month	Apply
Premium Current Account	5% AER (Fixed)	£100 Cashback upon account opening Gain over £890 worth of benefits 5% AER for 12 months AXA health benefits Global travel insurance ...and more	£20 a month	Apply
Ultimate Reward Current Account	£5 a month	Fee-free overdraft up to £300 £5 monthly payment Pay in at least £1,000 a month Family travel insurance RAC car breakdown cover ...and more	£12.50 a month	Apply
Advance Account	0% AER	Life cover Roadside breakdown assistance Family travel insurance Text banking Preferential terms on mortgages, savings and overdrafts ...and more	£12.95 a month	Apply

Provider This gives you some information on the current account provider.	Credit interest rate The rate shown is the Annual Earnings Rate (AER) which is a widely used measure of how much return you'll see on your savings. It is the equivalent of the APR measure used for credit cards or loans etc. The higher the AER figure, the more interest you'll earn.	Overdraft interest rate Dependent on provider you will see one of two measurements to show the interest you will be charged on your overdraft. Equivalent Annual Rate (EAR): This is used by providers for overdrafts, which are repayable on demand. The rate shows the effect of interest accruing on interest, where no repayments to the borrowing are made in a year. Above Bank Rate (ABR): The ABR interest rate is the sum of two parts; the providers bank rate (which changes each month and is updated for our calculations) and the ABR rate. Please note, we update the bank rate each month and use this in our calculations to ensure your results are accurate, however we only show the ABR rate on the results page. Please note all figures shown are for agreed and authorised overdrafts only.	Account features This column gives you any additional features the account can offer. This could include cashback, free travel insurance, money off vouchers, or 24-hour banking services.	Apply To start the application process for a new account or to switch, simply click on the Apply button next to your choice. To ensure you are eligible for the account we will then highlight the requirements of the account. If you meet the requirements, you continue to the provider's website where you can start the application.
Current Account Plus	0% AER	15.9% EAR	Access to preferential savings accounts Pay in £800 a month No CCJs in the last 6 years	Apply
Card One	0% AER	No Overdraft Feature	No credit checks £12.50 monthly cost Associated prepaid card Guaranteed acceptance Online account management One-to-one Account Manager	Apply
Bank Account	0% AER	19.3% interest per annum (variable)	Over 1,700 branches Access to personal reserve No monthly fee Overdraft charge: 19.3% interest per annum (variable)	Apply
Clear Cash	0.0% AER	0.0% AER	Easy to manage account with the budgeting tool with the option to choose from Pay Monthly or Pay As You Go prepaid cards. No overdraft facility	Apply
FlexAccount	0% AER	18.9% interest per annum (variable)	Internet Banking Travel Insurance Exclusive offers to FlexAccount customers Interest free overdraft for 3 months (conditions apply)	Apply
Prepaid Bank Account	0% AER	No Overdraft Feature	No credit checks £12.50 monthly cost Associated prepaid card No charge for bounced direct debit	Apply
Current Account	0% AER	19.9% EAR	19.9% EAR variable (subject to status) on arranged overdrafts HSBC Debit Card Mobile and Internet banking	Apply
Eccount Banking	N/A	N/A	£10 per month No hidden fees No credit checks	Apply

Our top deals are all current accounts that you can apply for online through uSwitch. Where a company has more than one current account with the same features, or interest rate, we reserve the right to remove the duplicate current account(s) from the tables to give you a wider view of the market.

The current account deals shown in these tables are listed in order of their credit and overdraft interest rates. The accounts shown are those you can apply for online through uSwitch.

Want to know more? Look at the uSwitch current accounts directory

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