Current Accounts

uSwitch's Top Deals

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.
Premier Direct Current A/c	5.00% AER	0% EAR typical overdraft No usage fees for 12 months	Over 21 Pay in minimum £500/month Need e-mail/internet access	Apply
Santander Preferred In-Credit Rate Bank Account	5.00% AER	5% AER rate is fixed for 12 months and interest is paid monthly The rate is available on balances up to £2,500	Pay £1,000 a month into the account 18 and over	Apply
Halifax Reward Current Account	£5 per month	Overdraft fees: £1/day for an arranged overdraft up to £2,500	Need to pay in £1000/month to earn £5	Apply
Bank of Scotland Reward Current Account	£5 per month	Overdraft fees: £1/day for an arranged overdraft up to £2,500	Need to pay in £1000/month to earn £5	Apply
Premier 50 Current Account	5.00% AER	Benefits: worldwide travel insurance & health benefits 0% EAR typical overdraft No monthly account fee for 3 months	Available exclusively for over 50's £10 per month	Apply
Premier Current Account	0.50% AER	Earn £100 by switching to this account* 0% EAR typical overdraft. Free switching service *T&Cs apply	Over 21 Pay in £500/month	Apply
Natwest Current Account Plus	0.10% AER	£100 interest free overdraft, 19.24% EAR Typical Variable on agreed overdraft Around 1650 branches	Over 18 and a UK resident	Apply
RBS Interest Paying Current Account	0.10% AER	No interest on overdrafts of up to £100 19.24% EAR Typical on arranged overdrafts	Over 18 and a UK resident	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.
Premier Direct Current Account	0% EAR	0% EAR typical overdraft No usage fees on arranged overdrafts for 12 months from when you open the account (new customers only) A usage fee of 50p a day (up to £5 a month) applies after that Maximum overdraft limit is £2,000 Great rates on in-credit interest rates and affiliated savings account	You must be a UK resident,over 21 and pay at least £500 into your account every month (or fees may apply) You need an e-mail address and access to the internet.	Apply
Premier Current Account	0% EAR	Earn £100 by switching to this account* 0% EAR typical overdraft No usage fees on arranged overdrafts for 12 months from when you open the account (new customers only) A usage fee of 50p a day (up to £5 a month) applies after that Maximum overdraft limit is £2,000 * Terms and conditions apply	You must be a UK resident,over 21 and pay at least £500 into your account every month (or fees may apply)	Apply
Santander Preferred Overdraft Bank Account	0% EAR	0% EAR for 12 months, 12.9% EAR typical variable thereafter Your previous overdraft can be matched up to £5,000 depending on your circumstances	Pay in £1,000 a month into the account Over 18 and a UK resident	Apply
Natwest Current Plus Account	19.24% EAR	£100 interest free overdraft, 19.24% EAR Typical Variable on agreed overdraft Around 1650 branches make it easy to stay close to your finances Online and telephone banking makes it easy to stay on top of your bank account	You need to be aged over 18 and permanently resident in the UK for tax purposes	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.
Premier 21 Account	5.00% AER	0.00% AER	Maximum overdraft limit is £2,000 Chance to win a day with one of three celebrities in Celebrity Master Class	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	Up to £213 of annual benefits for just £5 per month Cardholder Protection that covers you against the loss or theft of your cards and passport Extended warranty cover for your domestic appliances Mobile Phone Insurance including cover against loss, theft and accidental damage The account also includes access to a free Legal Helpline	£5 per month	Apply
Royal Bank of Scotland Royalties	0.15% AER	Travel Service - save 10% on flights, holidays and more when you book through Royalties Membership Services. Protection - register for Mobile Phone insurance and you're covered for one mobile phone and SIM card against accidental or malicious damage, loss and theft up to a value of £300. Entertainment - 25% discount on up to 2 tickets per event for concert and theatre ticket Accidental Death Insurance	£6.95/month	Apply
Halifax Ultimate Reward Current Account	£5 per month	A £5 reward payment for every single month that you pay in £1,000 If you arrange an overdraft then the first £300 will be entirely fee free Enjoy extensive account benefits including family travel insurance and RAC car breakdown cover All of the above great benefits for just £12.50 a month	£12.50 per month	Apply
HSBC Advanced Account	0% AER	Benefit from a whole range of offers including life cover and roadside breakdown assistance Be sure to make the most of worldwide travel insurance for both you and your family! Enjoy this great benefit account for just £12.95 a month on a minimum 12 month contract And, if you apply during the Sale you'll pay just £6 for the first three months!	£12.95 per month	Apply
Royal Bank of Scotland Royalties Gold	0.15% AER	Travel - 5 star Defaqto rated worldwide multi-trip family travel insurance and holiday discounts. Protection - mobile phone insurance, car breakdown cover, identity theft protection, home emergency cover, extended warranty and great home and car insurance discounts. Entertainment - 25% off (up to 6 tickets per event) selected concerts, events, shows and more Banking - tailored rates on overdrafts, mortgages, loans, credit cards. Plus cover if your debit or credit cards are lost or stolen	£12.95/month	Apply
NatWest Advantage Gold	0.25% AER	5 star travel insurance - even for winter sports Mobile phone insurance - even for iPhones Car breakdown cover - even on your driveway Identity Theft Protection £15,000 Accidental Death Insurance Preferential rates and complimentary delivery on commission free travel money Advantage Gold Travel Service with Thomas Cook	£12.95/month	Apply
Additions Active	0% AER	Interest-free overdraft up to £300. 12.9% EAR typical variable on agreed overdrafts over £300 Get £800 worth of benefits Worldwide multi-trip family travel insurance RAC comprehensive breakdown cover in the UK and Europe Mobile phone insurance, including cover against loss, theft and accidental damage You need to be a UK resident over 18 and have a regular income	£15 per month	Apply
Premier Life Bank Account	0.10%AER	Agreed overdraft up to £1,000 free of interest and fees Preferential 9.9% EAR typical variable on agreed overdrafts over the interest-free limit A withdrawal limit of up to £750 a day from cash machines You need to be a UK resident with £100,000+, OR £60,000+ if you are less than 35 years old or hold a business relationship with Barclays OR £50,000+ to save and invest with us	£17.50 per month if you meet the eligibility criteria or £25 per 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.
Natwest Current Account Plus	0.10% AER	19.24% EAR Typical	£100 interest free overdraft, 19.24% EAR Typical Variable on agreed overdraft Around 1650 branches make it easy to stay close to your finances Online and telephone banking makes it easy to stay on top of your bank account	Apply
RBS Interest Paying Current Account	0.10% AER	19.24% EAR	No interest on overdrafts of up to £100 19.24% EAR Typical on arranged overdrafts Online and telephone banking makes it easy to stay on top of your bank account	Apply
Bank Account	0.00% AER	19.3% EAR	A network of more than 1,700 branches Overdraft available at 19.3% EAR typical variable* Access to a Personal Reserve for emergencies No monthly fee	Apply
Card One	N/A	N/A	One alternative to a basic bank account if you have bad credit is Card One Banking - there's no credit check and Card One Banking guarantees to accept you, no matter what your credit history. Internet banking and one to one account manager. No bank charges or overdraft fees. Card One banking costs £12.50 per month, plus a one off account opening charge of £30 or £35 for a joint account.	Apply
HSBC Current Account	0.00% AER	19.9% EAR	19.9% EAR variable (subject to status) on arranged overdrafts Enjoy use of your free HSBC Bank Debit Card both in the UK and abroad Make the most of mobile and internet banking on top of telephone and branch banking!	Apply
Co-operative Bank Current Account Plus	0% AER	15.9% EAR	Access to preferential savings accounts UK resident (excl. the channel Islands and Isle of Man) Over 18 Pay in £800 a month No CCJs in the last 6 years	Apply

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

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.

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An A to Z of UK current account suppliers with background information on current account products and current account suppliers.

Current Accounts

uSwitch's Top Deals

Current accounts: the background

A bank account that's in your interest!

Santander Preferred In-Credit Rate Bank Account

Check your credit report - FREE*

*Figures from CIFAS press release issued 27th April 2009. Experian free trial for 30 days. Subject to terms and conditions. If membership is not cancelled during the free trial, £7.99 for the next month's subscription (and each month thereafter) will be charged until membership is cancelled.

Related articles

Current account directory

Current Accounts

uSwitch's Top Deals

Current accounts: the background

A bank account that's in your interest!

Santander Preferred In-Credit Rate Bank Account

Check your credit report - FREE*

*Figures from CIFAS press release issued 27th April 2009. Experian free trial for 30 days. Subject to terms and conditions. If membership is not cancelled during the free trial, £7.99 for the next month's subscription (and each month thereafter) will be charged until membership is cancelled.

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