Current Accounts

Compare our top current account deals to see if you could earn extra cash in credit interest and cashback, or save hundreds of pounds in overdraft charges.

Most popular Overdraft rate (EAR) Interest rate (AER) Account fee
award winner

First Direct 1st Account

  • £100 when you switch to First Direct
  • £250 free of overdraft interest
15.9%
0.0% AER (variable)

Overdraft and charges

Monthly charge
Overdraft facilities
Automatic overdraft facility £500
Interest free overdraft limit £250
Authorised overdraft rate 15.9% APR/EAR
Unauthorised overdraft rate
Overseas charges

Eligibility

Incentives

Annual travel insurance
Breakdown insurance
Discount vouchers
Savings sweep
Other insurance
Other incentive

Service Information

Free banking
Max withdrawal

Account Access

Telephone
Branch
Internet
Post office

Services available

Standing order
Direct debit
Bill payment
Round up savings
Text alerts
Text mini statements
Atm mini statements

Cards / Cheques

Debit card
Atm card
Cheque book
Passbook

Pros

  • 24/7 telephone and online banking
  • £100 if you leave within 12 months
  • £250 free of overdraft interest
  • Pay in cash and cheques at HSBC branches

Cons

  • No in-branch banking
  • Must pay in £1,000 per month for rewards

Nationwide FlexDirect

  • 5% interest on up to £2,500
  • 12 month fee-free overdraft
  • Mobile and online banking
0%
5.0% AER (variable)
Free

Overdraft and charges

Monthly charge £0
Overdraft facilities
Automatic overdraft facility £0
Interest free overdraft limit £0
Authorised overdraft rate 0% AER
Unauthorised overdraft rate £5 per day (capped at £60 per month)
Overseas charges Forex fee (Europe) - £2, Overseas ATM - £1, Overseas Debit card - £0

Eligibility

Min age 18 years
Existing customers only N/A
Area restrictions No area restrictions.

Incentives

Annual travel insurance
Breakdown insurance
Discount vouchers
Savings sweep
Other insurance
Other incentive no

Service Information

Free banking
Max withdrawal £300

Account Access

Telephone
Branch
Internet
Post office

Services available

Standing order
Direct debit
Bill payment
Round up savings
Text alerts
Text mini statements
Atm mini statements

Cards / Cheques

Debit card
Atm card
Cheque book
Passbook

Pros

  • 5% interest on in-credit balances up to £2,500
  • Fee-free overdraft for 12 months
  • Telephone banking and free text alerts

Cons

  • Must pay in at least £1,000 per month for 5% AER savings rate
  • Fee-free overdraft subject to eligibility
  • 50p per day overdraft usage fee after 12 months
We say

Nationwide's FlexDirect offers a competitive rate of 5% - worth up to £125 in your first 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.

award winner

Santander 123 Current Account

  • 3% interest on up to £20,000
  • 1% cashback on water and council tax bills
  • 2% cashback on gas and electricity bills
  • 3% cashback on mobile and internet, phone and TV
  • £2 a month
0%
3.0% AER (variable)
£2 a month

Overdraft and charges

Monthly charge £2
Overdraft facilities
Automatic overdraft facility £0
Interest free overdraft limit £0
Authorised overdraft rate 0% APR/EAR
Unauthorised overdraft rate 0% APR/EAR
Overseas charges Forex fee (Europe) - £2.75, Overseas ATM - £2, Overseas Debit card - £1

Eligibility

Min age 18 years
Existing customers only N/A
Area restrictions No area restrictions.

Incentives

Annual travel insurance
Breakdown insurance
Discount vouchers
Savings sweep
Other insurance
Other incentive

Service Information

Free banking
Max withdrawal £300

Account Access

Telephone
Branch
Internet
Post office

Services available

Standing order
Direct debit
Bill payment
Round up savings
Text alerts
Text mini statements
Atm mini statements

Cards / Cheques

Debit card
Atm card
Cheque book
Passbook

Pros

  • 1% interest on balances from £1,000
  • 2% interest on balances from £2,000
  • 3% interest on balances from £3,000 up to £20,000
  • 1% cashback on Santander mortgage payments, water and council tax
  • 2% cashback on gas and electricity
  • 3% cashback on mobile, home phone, broadband and paid for TV packages
  • 4 month fee-free overdraft

Cons

  • £2 a month
  • Must pay in at least £500 a month
  • Must have at least two direct debits
  • Fee-free overdraft subject to eligibility
  • £1 per day overdraft usage fee after 4 months
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 can be easily recuperated if you're the main bill payer. If not, you can still make it back through the high interest-rate of 3% on balances from £3,000 up to a maximum of £20,000.

TSB Classic Plus

  • Available to new and existing TSB customers
  • 5% AER on savings up to £2,000
19.94%
5.0% AER (variable)
Free

Overdraft and charges

Monthly charge
Overdraft facilities
Automatic overdraft facility
Interest free overdraft limit
Authorised overdraft rate 19.94% APR/EAR
Unauthorised overdraft rate
Overseas charges

Eligibility

Incentives

Annual travel insurance
Breakdown insurance
Discount vouchers
Savings sweep
Other insurance
Other incentive

Service Information

Free banking
Max withdrawal

Account Access

Telephone
Branch
Internet
Post office

Services available

Standing order
Direct debit
Bill payment
Round up savings
Text alerts
Text mini statements
Atm mini statements

Cards / Cheques

Debit card
Atm card
Cheque book
Passbook

Pros

  • Manage your banking on your mobile or online
  • No requirement to move all of your standing orders and Direct Debits over

Cons

  • To earn 5% AER you must credit your account with £500 each month, register for internet banking, paperless statements and correspondence

Natwest Select Account

  • 1% cashback at participating retailers with Cashback Plus
  • 3 months interest-free overdraft
  • Emergency cash if you lose your card
  • Mobile and online banking
19.89%
0.0% AER (variable)
Free

Overdraft and charges

Monthly charge N/A
Overdraft facilities
Automatic overdraft facility £0
Interest free overdraft limit £10
Authorised overdraft rate 19.89% APR/EAR
Unauthorised overdraft rate 0% APR/EAR
Overseas charges Forex fee (Europe) - £2.75, Overseas ATM - £2, Overseas Debit card - £0

Eligibility

Min age 18 years
Existing customers only N/A
Area restrictions No area restrictions.

Incentives

Annual travel insurance
Breakdown insurance
Discount vouchers
Savings sweep
Other insurance
Other incentive Cashback Plus - when this incentive is added the customer will earn a minimum of 1% cashback on qualifying spends, when they use their debit card at participating retailers. Cashback earned can be redeemed as cash to the customer's current account, exchanged for gift cards or tickets at participating retailers or donated to charity. Offset Service allows customers to use their balance to reduce interest payments on their mortgage.

Service Information

Free banking
Max withdrawal £300

Account Access

Telephone
Branch
Internet
Post office

Services available

Standing order
Direct debit
Bill payment
Round up savings
Text alerts
Text mini statements
Atm mini statements

Cards / Cheques

Debit card
Atm card
Cheque book
Passbook

Pros

  • Cashback Plus rewards 1% at participating retailers
  • 24 hour UK call centres, online and mobile banking
  • Optional free overdraft control service
  • Interest-free overdraft for 3 months when you switch

Cons

  • Interest-free overdraft subject to eligibility
We say

Pay your contacts with the mobile app – users have the option of paying anyone with a UK Visa debit, credit or prepaid card using just a mobile number.

Includes a contactless debit card and the ability to earn a minimum of 1% with Cashback Plus at participating retailers.

Nationwide FlexAccount

  • European travel insurance
  • Discounted home insurance or loans
  • No monthly fee
  • Mobile and online banking
0%
0.0% AER (variable)
Free

Overdraft and charges

Monthly charge
Overdraft facilities
Automatic overdraft facility
Interest free overdraft limit
Authorised overdraft rate
Unauthorised overdraft rate
Overseas charges

Eligibility

Incentives

Annual travel insurance
Breakdown insurance
Discount vouchers
Savings sweep
Other insurance
Other incentive

Service Information

Free banking
Max withdrawal

Account Access

Telephone
Branch
Internet
Post office

Services available

Standing order
Direct debit
Bill payment
Round up savings
Text alerts
Text mini statements
Atm mini statements

Cards / Cheques

Debit card
Atm card
Cheque book
Passbook

Pros

  • European travel insurance with no monthly fee
  • UK call centres
  • Access to special offers on credit cards, loans, savings and mortgages
  • 3 months interest-free overdraft

Cons

  • Must pay in £750 per month to qualify for European travel insurance
  • Interest-free overdraft subject to eligibility
We say

This account offers European travel insurance and discounted home insurance and personal loans deals - which is pretty good considering there's no monthly fee.

There's also a 3 month interest-free overdraft, a mobile app and telephone banking via UK call centres.

award winner

Santander Everyday Account

  • Free arranged overdraft for 4 months
  • Overdraft matching service
  • 24 hours a day phone and online banking
0%
0.0% AER (variable)
Free

Overdraft and charges

Monthly charge N/A
Overdraft facilities
Automatic overdraft facility £0
Interest free overdraft limit £0
Authorised overdraft rate 0% APR/EAR
Unauthorised overdraft rate 0% APR/EAR
Overseas charges Forex fee (Europe) - £2.75 - Overseas ATM - £2- Overseas Debit card - £1

Eligibility

Min age 18 years
Existing customers only N/A
Area restrictions No area restrictions.

Incentives

Annual travel insurance
Breakdown insurance
Discount vouchers
Savings sweep
Other insurance
Other incentive

Service Information

Free banking
Max withdrawal £300

Account Access

Telephone
Branch
Internet
Post office

Services available

Standing order
Direct debit
Bill payment
Round up savings
Text alerts
Text mini statements
Atm mini statements

Cards / Cheques

Debit card
Atm card
Cheque book
Passbook

Pros

  • No fees or minimum funding required
  • Free arranged overdraft for 4 months

Cons

  • Must be your main account in order to get the overdraft offer
We say

Santander's most standard current account offers a handy fee-free overdraft for the first four months.

There's no monthly account fee and no minimum funding required.

TSB Classic Account

  • Free everyday banking as long as you stay in credit
  • Access to your money 24 hours a day, 7 days a week
0%
5.0% AER (variable)
Free

Overdraft and charges

Monthly charge
Overdraft facilities
Automatic overdraft facility
Interest free overdraft limit £25 (subject to status)
Authorised overdraft rate 0% EAR variable
Unauthorised overdraft rate 19.94% EAR variable
Overseas charges

Eligibility

Incentives

Annual travel insurance
Breakdown insurance
Discount vouchers
Savings sweep
Other insurance
Other incentive

Service Information

Free banking
Max withdrawal

Account Access

Telephone
Branch
Internet
Post office

Services available

Standing order
Direct debit
Bill payment
Round up savings
Text alerts
Text mini statements
Atm mini statements

Cards / Cheques

Debit card
Atm card
Cheque book
Passbook

Pros

  • £25 interest-free planned overdraft (subject to status)
  • No fees or interest if you are overdrawn by £10 or less

Royal Bank of Scotland Select Account

  • Earn a minimum of 1% of your spend at participating retailers with Cashback Plus
  • Visa Debit card with contactless technology
  • Emergency cash if you lose your card
19.89%
0.0% AER (variable)
Free

Overdraft and charges

Monthly charge N/A
Overdraft facilities
Automatic overdraft facility £0
Interest free overdraft limit £10
Authorised overdraft rate 19.89% APR/EAR
Unauthorised overdraft rate 0% APR/EAR
Overseas charges Forex fee (Europe) - £2.75, Overseas ATM - £2, Overseas Debit card - £0

Eligibility

Min age 18 years
Existing customers only N/A
Area restrictions No area restrictions.

Incentives

Annual travel insurance
Breakdown insurance
Discount vouchers
Savings sweep
Other insurance
Other incentive

Service Information

Free banking
Max withdrawal £300

Account Access

Telephone
Branch
Internet
Post office

Services available

Standing order
Direct debit
Bill payment
Round up savings
Text alerts
Text mini statements
Atm mini statements

Cards / Cheques

Debit card
Atm card
Cheque book
Passbook

Pros

  • Emergency cash if you lose your card
  • Cashback Plus rewards

Cons

  • Three month interest free overdraft subject to status
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.

Also Includes a contactless debit card and the ability to earn a minimum of 1% with Cashback Plus.

Natwest Select Silver

  • Mobile phone insurance
  • European travel insurance plus winter sports cover
19.89%
0.0% AER (variable)
£10 per month

Overdraft and charges

Monthly charge £10
Overdraft facilities
Automatic overdraft facility £0
Interest free overdraft limit £10
Authorised overdraft rate 19.89% APR/EAR
Unauthorised overdraft rate 0% APR/EAR
Overseas charges Forex fee (Europe) - £2.75, Overseas ATM - £2, Overseas Debit card - £0

Eligibility

Min age 18 years
Existing customers only N/A
Area restrictions No area restrictions.

Incentives

Annual travel insurance
Breakdown insurance
Discount vouchers
Savings sweep
Other insurance
Other incentive Cashback Plus: when this incentive is added the customer will earn a minimum of 1% cashback on qualifying spends, when they use their debit card at participating retailers. Cashback earned can be redeemed as cash to the customer's current account, exchanged for gift cards or tickets at participating retailers or donated to charity. Offset Service allows customers to use their balance to reduce interest payments on their mortgage.

Service Information

Free banking
Max withdrawal £300

Account Access

Telephone
Branch
Internet
Post office

Services available

Standing order
Direct debit
Bill payment
Round up savings
Text alerts
Text mini statements
Atm mini statements

Cards / Cheques

Debit card
Atm card
Cheque book
Passbook

Pros

  • Receive a Taste card
  • Get discounts on ticket booking services
  • Travel and mobile phone insurance
  • Contactless debit card

Cons

  • Three month interest free overdraft subject to approval
We say

Natwest's lowest priced packaged account offers European travel insurance including winter sports cover - useful for ski trips. It also comes with mobile phone insurance.

Plus you'll get a Taste card and discounts on ticket booking services.

Royal Bank of Scotland Select Silver

  • Mobile phone insurance
  • European travel insurance plus winter sports cover
19.49%
0.0% AER (variable)
£10 per month

Overdraft and charges

Monthly charge £16
Overdraft facilities
Automatic overdraft facility £0
Interest free overdraft limit £250
Authorised overdraft rate 19.49% APR/EAR
Unauthorised overdraft rate 0% APR/EAR
Overseas charges Forex fee (Europe) - £2.75, Overseas ATM - £2, Overseas Debit card - £0

Eligibility

Min age 18 years
Existing customers only N/A
Area restrictions No area restrictions.

Incentives

Annual travel insurance
Breakdown insurance
Discount vouchers
Savings sweep
Other insurance
Other incentive Cashback Plus - when this incentive is added the customer will earn a minimum of 1% cashback on qualifying spends, when they use their debit card at participating retailers. Cashback earned can be redeemed as cash to the customer's current account, exchanged for gift cards or tickets at participating retailers or donated to charity. Can offset a mortgage with this account: Forgo interest on this account, in order to not pay the interest on the same amount of the mortgage. Preferential exchange rate on commission free foreign currency and traveller's cheques.

Service Information

Free banking
Max withdrawal £300

Account Access

Telephone
Branch
Internet
Post office

Services available

Standing order
Direct debit
Bill payment
Round up savings
Text alerts
Text mini statements
Atm mini statements

Cards / Cheques

Debit card
Atm card
Cheque book
Passbook

Pros

  • Travel and mobile phone insurance
  • Receive a Taste card
  • Get discounts on ticket booking services
  • Contactless debit card

Cons

  • Three month interest free overdraft subject to status
We say

RBS's lowest priced packaged account offers European travel insurance including winter sports cover - useful for ski trips. It also comes with mobile phone insurance.

Plus you'll get a Taste card and discounts on ticket booking services.

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