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.
    • With 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)
    • Discounted personal loans, mortgage rates and savings products and access to exclusive product offers
  • 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).
    • Get £150 when you switch until 30/11/15 (terms & conditions apply)
    • 2% AER on your credit balances up to £3,000
    • Competitive overdraft rate
  • Maximum Interest (AER)
    2%
  • Switching Incentive
    £150
  • Minimum Monthly Credit
    £1,000
  • Monthly Fee
    Free
  • More info+ In detail
  • Interest details
    • 2% AER (1.98% gross p.a. variable) on your credit balances up to £3,000
    • A minimum monthly credit of £1,000 (excluding internal transfers) is required.
    Overdraft details
    • Arranged overdraft fees: 9.9% EAR (variable)
    • Unarranged overdraft fees: £6 daily unarranged overdraft fee - This fee will be charged for each business day that you end the day in unplanned borrowing by more than the £10.00 Unplanned Borrowing Buffer Amount (unless that position was created by us adding fees or interest).
    Switching incentive details
    • Use the current account switch service to move your account and close your old account
    • Sign the current account switch agreement and complete the switch within 31 days
    • You must pay in £1000 per month & maintain 2 active Direct Debits at least until the incentive payment is made. This excludes internal transfers from any other account you hold with Clydesdale or Yorkshire Bank
    • You do not qualify for this offer if you have already received or are about to receive £150 for switching to a Clydesdale Bank or Yorkshire Bank current account
    • You can only benefit from this offer once. Joint accounts are only eligible for one payment of £150.
    • Offer ends date of 30/11/15.
  • Representative Example: If you use an overdraft limit of £1,200 a 9.9% EAR (variable) charge will apply
    • Get £150 when you switch (terms & conditions apply)
    • 2% AER on your credit balances up to £3,000
    • Competitive overdraft rate
  • Maximum Interest (AER)
    2%
  • Switching Incentive
    £150
  • Minimum Monthly Credit
    £1,000
  • Monthly Fee
    Free
  • More info+ In detail
  • Interest details
    • 2% AER (1.98% gross p.a. variable) on your credit balances up to £3,000
    • A minimum monthly credit of £1,000 (excluding internal transfers) is required.
    Overdraft details
    • Arranged overdraft fees: 9.9% EAR (variable)
    • Unarranged overdraft fees: £6 daily unarranged overdraft fee - This fee will be charged for each business day that you end the day in unplanned borrowing by more than the £10.00 Unplanned Borrowing Buffer Amount (unless that position was created by us adding fees or interest).
    Switching incentive details
    • Use the current account switch service to move your account and close your old account
    • Sign the current account switch agreement and complete the switch within 31 days
    • You must pay in £1000 per month & maintain 2 active Direct Debits at least until the incentive payment is made. This excludes internal transfers from any other account you hold with Clydesdale or Yorkshire Bank
    • You do not qualify for this offer if you have already received or are about to receive £150 for switching to a Clydesdale Bank or Yorkshire Bank current account
    • You can only benefit from this offer once. Joint accounts are only eligible for one payment of £150.
  • Representative Example: If you use an overdraft limit of £1,200 a 9.9% EAR (variable) charge will apply
    • Up to 4 % AER (3.93% gross) variable on balances up to £5,000
    • No account fee if you pay in £1,500 per month - otherwise the account costs £5 per month
    • Choose your Lifestyle Benefit every year per account from: cinema tickets; an annual magazine subscription; or annual Gourmet Society membership
  • Maximum Interest (AER)
    4%
  • Switching Incentive
    None
  • Minimum Monthly Credit
    None
  • Monthly Fee
    £5 (free if you pay in £1,500 per month)
  • More info+ In detail
  • Interest details
    • You must pay at least two separate Direct Debits paid from your account each calendar month to earn interest up on balances up to £5000.
    • Club Lloyds offers variable, tiered interest rates up to 4% AER /3.93% Gross:
    • 1% AER/Gross on balances from £1 to £1,999.99
    • 2% AER/1.98% Gross on balances from £2,000 to £3,999.99
    • 4% AER/3.93% Gross on balances from £4,000 to £5,000
    Overdraft details
    • If you use your Planned Overdraft and the amount you borrow stays within the interest and fee free amount then no overdraft fees or interest will be charged.
    • A Monthly Overdraft Usage Fee of £6, and overdraft interest will be charged if you use a Planned Overdraft by more than the interest and fee free amount at any time during your monthly billing period. You'll only pay the monthly overdraft usage once in a monthly billing period, no matter how many times you go overdrawn in that month
    • All overdrafts are subject to approval and repayable on demand
  • Representative Example: If you use an arranged overdraft of £1,200 you'll be charged 19.94% EAR (variable) + £6 per month
    • Earn rewards of up to £180 a year
    • 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
  • 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
    • 19.89% EAR (variable) and a monthly Usage Fee of £6 on all arranged overdrafts
  • 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
    • Discounted personal loans, mortgage rates and savings products and access to exclusive product offers
    • A free mobile banking app which lets you monitor, manage and access your money on the move
  • 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
    • Switch your current account to first direct and receive £100 cashback
    • Get another £100 if you leave within 12 months
    • Gain an additional £25 when you apply and use a first direct credit card
    • £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
    • 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
    • A Daily Arranged Overdraft Fee of £1 per day capped at 20 days each monthly statement period applies.
  • 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.
    • Earn at least 1% Rewards at RBS's Partner retailers
    • Optional Overdraft Control service available to help avoid penalty charges
  • 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
  • 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
    • Get £150 when you switch until 30/11/15 (terms & conditions apply)
    • No unplanned borrowing fees
    • Get CashBack from participating retailers (subject to available funds)
  • Maximum Interest (AER)
    0%
  • Switching Incentive
    £150
  • 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)
    • No unarranged overdraft fees
    Switching incentive details
    • Use the current account switch service to move your account and close your old account
    • Sign the current account switch agreement and complete the switch within 31 days
    • You must pay in £1000 per month & maintain 2 active Direct Debits at least until the incentive payment is made. This excludes internal transfers from any other account you hold with Clydesdale or Yorkshire Bank
    • You do not qualify for this offer if you have already received or are about to receive £150 for switching to a Clydesdale Bank or Yorkshire Bank current account
    • You can only benefit from this offer once. Joint accounts are only eligible for one payment of £150.
    • Offer ends date of 30/11/15.
  • Representative Example: If you use an overdraft limit of £1,200 a 18.85% EAR (variable) charge will apply
    • Get £150 when you switch (terms & conditions apply)
    • No unplanned borrowing fees
    • Get CashBack from participating retailers (subject to available funds)
  • Maximum Interest (AER)
    0%
  • Switching Incentive
    £150
  • 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)
    • No unarranged overdraft fees
    Switching incentive details
    • Use the current account switch service to move your account and close your old account
    • Sign the current account switch agreement and complete the switch within 31 days
    • You must pay in £1000 per month & maintain 2 active Direct Debits at least until the incentive payment is made. This excludes internal transfers from any other account you hold with Clydesdale or Yorkshire Bank
    • You do not qualify for this offer if you have already received or are about to receive £150 for switching to a Clydesdale Bank or Yorkshire Bank current account
    • You can only benefit from this offer once. Joint accounts are only eligible for one payment of £150.
  • Representative Example: If you use an overdraft limit of £1,200 a 18.85% EAR (variable) charge will apply
    • Get £150 when you switch until 30/11/15 (terms & conditions 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
    £150
  • 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)
    • Unarranged overdraft fees: £6 daily unarranged overdraft fee - This fee will be charged for each business day that you end the day in unplanned borrowing by more than the £10.00 Unplanned Borrowing Buffer Amount (unless that position was created by us adding fees or interest).
    Switching incentive details
    • Use the current account switch service to move your account and close your old account
    • Sign the current account switch agreement and complete the switch within 31 days
    • You must pay in £1000 per month & maintain 2 active Direct Debits at least until the incentive payment is made. This excludes internal transfers from any other account you hold with Clydesdale or Yorkshire Bank
    • You do not qualify for this offer if you have already received or are about to receive £150 for switching to a Clydesdale Bank or Yorkshire Bank current account
    • You can only benefit from this offer once. Joint accounts are only eligible for one payment of £150.
    • Offer ends date of 30/11/15.
  • Representative Example: If you use an overdraft limit of £1,200 a 18.85% EAR (variable) charge will apply
    • Get £150 when you switch (terms & conditions 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
    £150
  • 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)
    • Unarranged overdraft fees: £6 daily unarranged overdraft fee - This fee will be charged for each business day that you end the day in unplanned borrowing by more than the £10.00 Unplanned Borrowing Buffer Amount (unless that position was created by us adding fees or interest).
    Switching incentive details
    • Use the current account switch service to move your account and close your old account
    • Sign the current account switch agreement and complete the switch within 31 days
    • You must pay in £1000 per month & maintain 2 active Direct Debits at least until the incentive payment is made. This excludes internal transfers from any other account you hold with Clydesdale or Yorkshire Bank
    • You do not qualify for this offer if you have already received or are about to receive £150 for switching to a Clydesdale Bank or Yorkshire Bank current account
    • You can only benefit from this offer once. Joint accounts are only eligible for one payment of £150.
  • Representative Example: If you use an overdraft limit of £1,200 a 18.85% EAR (variable) charge will apply
    • Earn at least 1% Rewards at NatWest's Partner retailers
    • Optional Overdraft Control service available to help avoid penalty charges
  • 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
  • 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
    • Limted Offer! Get £125 for switching to Halifax, paid within 3 working days of your switch.
    • Get an extra £5 each month you pay in £750+, pay out 2 different Direct Debits and stay in credit
  • Maximum Interest (AER)
    0%
  • Switching Incentive
    £125
  • Minimum Monthly Credit
    None
  • Monthly Fee
    Free
  • More info+ In detail
  • Interest details
    • Account holders receive £5 each month they pay in £750, pay out two different direct debits and stay in credit.
    Overdraft details
    • Arranged overdraft fees:
    • £1 a day up to and including £1,999.99
    • £2 a day from £2,000 to £2,999.99
    • £3 a day from £3,000 and above
    • Unarranged overdraft fees:
    • £5 per day
    Switching incentive details
    • Start your switch by 22/03/2016 to get £125, when you use the Current Account Switch Service and close your account held elsewhere. If you've had cashback for switching since January 2012, you won't get it again.
  • Representative Example: If you use a planned overdraft of £1,200, then Halifax will charge you a daily fee of £1. Overdrafts are subject to status.
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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