Compare Current Accounts

Compare the latest current accounts available from the major high street banks and internet providers with our handy comparison table. Compare up-to-date information on account features and benefits to find the best current account for your needs.

Choose a type of current account to compare

Compare current accounts

    • 5% AER on balances up to £2,000
    • To earn 5% AER you must credit your account with £500 each month, register for internet banking, paperless statements and paperless correspondence
  • Maximum Interest (AER)
    5%
  • Switching Incentive
    None
  • Minimum Monthly Credit
    £500
  • Monthly Fee
    Free
  • More info+ In detail
  • Interest details
    • 5% AER on balances up to £2,000
    • To earn 5% AER you must credit your account with a minimum of £500 each month, register for internet banking, paperless statements and paperless correspondence.
    • 5% Cashback on your first £100 Contactless payments every month (T&Cs apply)
    • Access to a 5%AER (fixed) Monthly Saver Account for 12 months. (£25 min and £250 max monthly deposits. T&Cs apply)
    Overdraft details
    • £10 interest-free overdraft buffer
    • If you go overdrawn by more than £10, TSB's Grace Period means that you have until 3.30pm (UK Time) to pay in enough money to avoid any overdraft fees you may incur that day
    • 0% interest on planned overdraft up to £25
    • 19.94% EAR variable and a Monthly Overdraft Usage Fee of £6 apply to amounts of £25 to £1,200
  • Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 19.94% EAR (Variable)
    • 5% AER on balances up to £2,500 for the first 12 months (conditions apply)
    • Fee-free overdraft for 12 months (subject to approval)
    • No monthly fee
  • Maximum Interest (AER)
    5%
  • Switching Incentive
    None
  • Minimum Monthly Credit
    £1,000
  • Monthly Fee
    Free
  • More info+ In detail
  • Interest details
    • 5.00% AER (4.89% gross p.a.) for in-credit balances up to £2,500 (fixed for the first 12 months) if you pay in at least £1,000 per month.
    • After the first 12 months the rate reverts to 1.00% variable.
    • No interest on balances over £2,500.
    Overdraft details
    • Arranged overdraft fees: 0% for the first 12 months
    • 50p per day on balances over £10 thereafter (the first £10 of your arranged overdraft is free)
    • Unarranged overdraft fees: 50p per day on balances up to £10
    • £5 per day on balances over £10 and are capped at £60 per month
    • First time fee refund - Nationwide will refund the first overdraft fees you incur
  • Representative Example: If you use an arranged overdraft of £1,200 the amount Nationwide will charge you is 50p per day (variable)
    • 3% on balances up to £2,500
    • 3 month fee-free overdraft
    • Includes worldwide travel insurance, mobile phone insurance, breakdown cover and extended warranty
  • Maximum Interest (AER)
    3%
  • Switching Incentive
    None
  • Minimum Monthly Credit
    None
  • Monthly Fee
    £10
  • More info+ In detail
  • Interest details
    • 3% on balances up to £2,500
    • No interest on balances over £2,500
    Overdraft details
    • Arranged overdraft fees: 0% for the first 3 months
    • 50p per day on balances over £100 thereafter (the first £100 of your arranged overdraft is free)
    • Unarranged overdraft fees: 50p per day on balances up to £10
    • £5 per day on balances over £10 and are capped at £50 per month
    • First time fee refund - Nationwide will refund the first overdraft fees you incur
  • Representative Example: If you use an arranged overdraft of £1,200 the amount Nationwide will charge you is 50p per day (variable).
    • Switch your current account to first direct and receive £100 cashback
    • Get another £100 if you leave within 12 months (conditions apply)
    • £250 interest free overdraft
  • Maximum Interest (AER)
    0%
  • Switching Incentive
    £100
  • Minimum Monthly Credit
    None
  • Monthly Fee
    £10
  • More info+ In detail
  • Interest details
    • No interest is paid on in-credit balances on this account
    Overdraft details
    • 0% EAR up to £250
    • 15.9% EAR over £250
    Switching incentive details
    • Open a 1st Account then switch your banking using the Current Account Switch Service and pay in at least £1,000 within three months of your account opening and get £100 adeed to your account.
    • This offer is limited to one payment per customer or joint relationship. Incentives are paid within 28 days of all criteria being met.
    • Offer only available to people who haven't previously held any account with first direct.
  • Representative Example: If you use an overdraft limit of £250 a 15.9% EAR (variable) charge will apply
    • Earn rewards of up to £180 a year (conditions apply)
    • Contactless debit card
    • Award-winning online and mobile banking
  • Maximum Interest (AER)
    0%
  • Switching Incentive
    None
  • Minimum Monthly Credit
    None
  • Monthly Fee
    Free
  • More info+ In detail
  • Interest details
    • No interest is paid on in-credit balances on this account
    Overdraft details
    • Arranged overdraft fees:
    • 75p a day up to £1,000
    • £1.50 a day from £1,000 to £2,000
    • £3 a day from £2,000 and above
    • Unarranged overdraft fees:
    • £5 per day
  • Representative Example: Up to £5,000 (subject to application and status). If you use an overdraft of £1,200, you will be charged £1.50 per day when you use it.
    • Earn 3% Rewards on selected household bills
    • Includes NatWest's mobile app & Emergency Cash
    • Top 20% of NatWest Reward customers earn, on average, £217 in Rewards per year. Based on their average Dec '15/Jan'16 Direct Debit amounts. Excludes monthly £3 fee
  • Maximum Interest (AER)
    0%
  • Switching Incentive
    None
  • Minimum Monthly Credit
    None
  • Monthly Fee
    £3
  • More info+ In detail
  • Interest details
    • No interest is paid on in-credit balances on this account
    Overdraft details
    • Arranged overdraft fees:19.89% EAR (variable) and a monthly Usage Fee of £6 on all arranged overdrafts
    • Unarranged overdraft fees:If you enter an Unarranged Overdraft by more than £10, you will be charged an Unarranged Overdraft Usage Fee of £6 for each day you remain in that position, capped at £90 per charging period.
  • Representative Example: If you have a Reward Account with an arranged overdraft limit of £1,200 and you use all of this, you will be charged arranged overdraft interest at 19.89% p.a. (variable) and a monthly Arranged Overdraft Usage Fee of £6
    • Free UK & European travel insurance when you pay in £750 per month
    • No monthly fee
    • 3 month interest-free arranged overdraft available
  • Maximum Interest (AER)
    0%
  • Switching Incentive
    None
  • Minimum Monthly Credit
    None
  • Monthly Fee
    Free
  • More info+ In detail
  • Interest details
    • No interest is paid on in-credit balances on this account
    Overdraft details
    • Arranged overdraft fees: 0% for the first 3 months (conditions apply)
    • 18.9% EAR (variable) thereafter
    • Unrranged overdraft fees: 18.9% EAR (variable)
    • For every payment that is NOT made over and above your reserve limit, you'll be charged an unpaid transaction fee of £15
    • The total sum of fees (including any paid/unpaid transaction fees) is capped at £75 per statement month
  • Representative Example: If you use an overdraft limit of £1,200 a 18.9% EAR (variable) charge will apply
    • 1% cashback on water, council tax and Santander mortgage payments
    • 2% cashback on gas and electricity bills
    • 3% cashback on mobile, home phone, broadband and paid for TV packages
  • Maximum Interest (AER)
    3%
  • Switching Incentive
    None
  • Minimum Monthly Credit
    £500
  • Monthly Fee
    £5
  • More info+ In detail
  • Interest details
    • 1% AER (variable) interest on balances from £1,000
    • 2% AER (variable) interest on balances from £2,000
    • 3% AER (variable) interest on balances from £3,000 and up to a maximum of £20,000
    Overdraft details
    • No arranged overdraft usage fee for the first 4 months (conditions apply)
    • A Daily Arranged Overdraft Fee of £1 per day thereafter capped at 20 days each monthly statement period applies.
    • An Unarranged Overdraft Usage Fee of £6 per day
  • Representative Example: 0% EAR (variable) Arranged Overdraft. A Daily Arranged Overdraft Fee of £1 per day capped at 20 days each monthly statement period applies. Assumed Arranged Overdraft credit limit: £1,200. Actual amount may differ.
    • Bank anywhere with our mobile app
    • 24-hour telephone banking and Online banking
    • Get Emergency Cash
  • Maximum Interest (AER)
    0%
  • Switching Incentive
    None
  • Minimum Monthly Credit
    None
  • Monthly Fee
    Free
  • More info+ In detail
  • Interest details
    • No interest is paid on in-credit balances on this account
    Overdraft details
    • 19.89% EAR (variable) and a monthly Usage Fee of £6 on all arranged overdrafts
    • Unarranged Overdraft Usage Fee of £6 per day. This is then capped at £90 per charging period.
  • Representative Example: If you have a Select Account with an arranged overdraft limit of £1,200 and you use all of this, you will be charged arranged overdraft interest at 19.89% p.a. (variable) and a monthly Arranged Overdraft Usage Fee of £6
    • No unplanned borrowing fees
    • 24 hour telephone, mobile and internet banking
  • Maximum Interest (AER)
    0%
  • Switching Incentive
    None
  • Minimum Monthly Credit
    None
  • Monthly Fee
    £7.50
  • More info+ In detail
  • Interest details
    • No interest is paid on in-credit balances on this account
    Overdraft details
    • Arranged overdraft fees: 18.85% EAR (variable) plus a £6 monthly planned usage fee, charged once every calendar month if you end any business day overdrawn by more than the £25.00 planned borrowing buffer amount
    • No unarranged overdraft fees
  • Representative Example: If you use an overdraft limit of £1,200 a 18.85% EAR (variable) charge will apply
    • No unplanned borrowing fees
    • 24 hour telephone, mobile and internet banking
  • Maximum Interest (AER)
    0%
  • Switching Incentive
    None
  • Minimum Monthly Credit
    None
  • Monthly Fee
    £7.50
  • More info+ In detail
  • Interest details
    • No interest is paid on in-credit balances on this account
    Overdraft details
    • Arranged overdraft fees: 18.85% EAR (variable) plus a £6 monthly planned usage fee, charged once every calendar month if you end any business day overdrawn by more than the £25.00 planned borrowing buffer amount
    • No unarranged overdraft fees
  • Representative Example: If you use an overdraft limit of £1,200 a 18.85% EAR (variable) charge will apply
    • Linked to exclusive Savings Account Plus, an instant access account
    • Competitive planned overdraft rate, with no arrangement fee
  • Maximum Interest (AER)
    0%
  • Switching Incentive
    None
  • Minimum Monthly Credit
    None
  • Monthly Fee
    Free
  • More info+ In detail
  • Interest details
    • No interest is paid on in-credit balances on this account
    Overdraft details
    • Arranged overdraft fees: 18.85% EAR (variable) and a monthly £6 fee if you end any business day overdrawn by more than the £25.00 planned borrowing buffer amount (unless that position was created by us adding fees or interest)
    • Unarranged overdraft fees: A £6 daily fee for each business day that you end in unplanned borrowing by more than the £10.00 Unplanned Borrowing Buffer Amount (unless that position was created by us adding fees or interest).
  • Representative Example: If you use an overdraft limit of £1,200 a 18.85% EAR (variable) charge will apply
    • Linked to exclusive Savings Account Plus, an instant access account
    • Competitive planned overdraft rate, with no arrangement fee
  • Maximum Interest (AER)
    0%
  • Switching Incentive
    None
  • Minimum Monthly Credit
    None
  • Monthly Fee
    Free
  • More info+ In detail
  • Interest details
    • No interest is paid on in-credit balances on this account
    Overdraft details
    • Arranged overdraft fees: 18.85% EAR (variable) and a monthly £6 fee if you end any business day overdrawn by more than the £25.00 planned borrowing buffer amount (unless that position was created by us adding fees or interest)
    • Unarranged overdraft fees: A £6 daily fee for each business day that you end in unplanned borrowing by more than the £10.00 Unplanned Borrowing Buffer Amount (unless that position was created by us adding fees or interest).
  • Representative Example: If you use an overdraft limit of £1,200 a 18.85% EAR (variable) charge will apply
    • Bank anywhere with our mobile app
    • 24-hour telephone banking and Online banking
    • Get Emergency Cash
  • Maximum Interest (AER)
    0%
  • Switching Incentive
    None
  • Minimum Monthly Credit
    None
  • Monthly Fee
    Free
  • More info+ In detail
  • Interest details
    • No interest is paid on in-credit balances on this account
    Overdraft details
    • 19.89% EAR (variable) and a monthly Usage Fee of £6 on all arranged overdrafts
    • Unarranged Overdraft Usage Fee of £6 per day. This is then capped at £90 per charging period.
  • Representative Example: If you have a Select Account with an arranged overdraft limit of £1,200 and you use all of this, you will be charged arranged overdraft interest at 19.89% p.a. (variable) and a monthly Arranged Overdraft Usage Fee of £6
Our comparison service features a selection of providers from whom we receive commission. This table is initially ordered according to our commercial arrangements. You can use the options above the table to order it according to various criteria.

More about current accounts

A current account is what you might call an everyday bank account. It's best used to hold the money that you spend on a regular basis - either on day-to-day living costs or usual household bills.

Your common-or-garden current account will provide you with a debit card which you can use with cash machines and in the shops, the ability to automatically pay out direct debits and standing orders and the option to administer your account in branch, over the Internet or via telephone. To credit the account you either pay in cash, transfer from another account or receive regular income like wages and pensions.

Some current accounts offer cheque books, others overdraft facilities which you can use to borrow a small amount in the short term. How much depends on your credit rating, as will the interest rate that you'll pay while in the red.

You do get interest paid to you when you've got a positive balance but this is usually very low; much lower, in fact, than the rate of inflation so it's not advisable to keep any more money than you need in it.

Some current accounts are free and won't cost you a penny as long as you don't go overdrawn. Other, more advanced accounts - those offering things like travel insurance thrown in - include a small monthly fee. There's a wide range of different benefits available so you should shop around.

Click here to find out more about current account types with our handy FAQ guide.

Helpful links for current account issues

Financial Conduct Authority (FCA) - The UK financial regulator's website features lots of useful information for banking customers covering everything from knowing your rights to how to stop unauthorised payments.

Financial Service Compensation Scheme (FSCS) - The FSCS is the best place to find out if your bank is covered by the compensation scheme and for advice on making a claim.

Financial Ombudsman Service - If you've complained to your bank and are still having ongoing problems then the Financial Ombudsman is the next step - their website covers everything you need to know about making a complaint.

Money Advice Service - The government's Money Advice Service provides unbiased advice on choosing, opening and managing a current account.

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