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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.
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NatWest Select bank account
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  • An everyday bank account with no monthly fee
  • Bank on the move with NatWest's easy to use mobile app and online banking (criteria applies)
To apply you must be 18 or over and a UK resident
    • 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
  • See Deal + 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 £8
    • 2% back in Rewards on 7 types of household bills if paid by Direct Debit
    • On average NatWest customers earn £83 in Rewards per year. Based on monthly bills of £345 excluding the monthly £2 fee
    • Includes NatWest's mobile app & Emergency Cash
  • Maximum Interest (AER)
    0%
  • Switching Incentive
    None
  • Minimum Monthly Credit
    None
  • Monthly Fee
    £2
  • See Deal + 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 £8
    • 2% back in Rewards on 7 types of household bills if paid by Direct Debit.
    • On average NatWest customers earn £83 in Rewards per year. Based on monthly bills of £345 excluding the monthly £19 fee.
    • Includes many lifestyle benefits such as Worldwide multi trip travel insurance and UK car breakdown cover. Ts & Cs apply.
  • Maximum Interest (AER)
    0%
  • Switching Incentive
    None
  • Minimum Monthly Credit
    None
  • Monthly Fee
    £19
  • See Deal + In detail
  • Interest details
    • No interest is paid on in-credit balances on this account
    Overdraft details
    • Arranged overdraft fees: No interest paid on first £250. 19.89% EAR (variable) and a monthly Usage Fee of £6 on all arranged overdrafts above £250
    • Unarranged overdraft fees: £6 for each day on which there is an Unarranged Overdraft of more than £10 (Subject to a maximum of £90 in any charging period)
  • Representative Example: If you have a Reward Platinum 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 £8
    • 3% AER on balances up to £1,500
    • To earn 3% AER you must credit your account with £500 each month, register for internet banking, paperless statements and paperless correspondence
  • Maximum Interest (AER)
    3%
  • Switching Incentive
    None
  • Minimum Monthly Credit
    £500
  • Monthly Fee
    Free
  • See Deal + In detail
  • Interest details
    • 3% AER/2.96% gross variable interest paid on balances up to £1,500 only. Must pay in £500 a month, register for internet banking and paperless statements and paperless correspondences.
    • £5 cashback every month just for regularly spending with your debit card (minimum 20 debit card payments per month) and £5 cashback every month just for paying two direct debits. Valid from 1st March 2017. Ends June 2018. (Ts&Cs apply).
    • Plus, if you also use an eligible TSB credit card, you can earn up to £60 cashabck in a year on that too. Representative 18.9% APR (variable). Subject to status. Must be 18+ and a UK resident. Valid from 1st March 2017. Ends June 2018.
    Overdraft details
    • £10 interest-free overdraft buffer
    • If you go overdrawn by more than £10, TSB's Grace Period means that you have until 10pm (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
    • 19.84% AER variable and a Monthly Overdraft Usage Fee of £6 apply to amounts of £25 and over.
    • Borrower must be 18+ and a UK resident.
  • Representative Example: If you use an arranged overdraft of £1,200 you'll be charged 0% EAR variable on the first £25 and 19.84% EAR variable on the next £1,175 plus a Monthly Overdraft Usage Fee of £6.
    • Personalised debit card
    • Award-winning online and mobile banking
    • Earn cashback when you shop online and in-store through Barclays with over 150 retailers
  • Maximum Interest (AER)
    0%
  • Switching Incentive
    None
  • Minimum Monthly Credit
    None
  • Monthly Fee
    Free
  • See Deal + 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:
    • Barclays' Monthly Maximum Charge for Personal Current Accounts is £32. This includes: a maximum of 4 Unpaid Transaction Fees (£32 cap). Barclays' Monthly Maximum Charge for Personal Current Accounts with Emergency Borrowing is £67. This includes: a maximum of 7 Emergency Borrowing Fees (£35 cap) and a maximum of 4 Unpaid Transaction Fees (£32 cap). It doesn't include charges for using an arranged overdraft or the cost of packs for customising your account.
  • 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.
    • Get £7 every month (£3.50 for each Direct Debit payment) and extra cash rewards on selected products.
    • Enhanced rate of cashback at over 150 retailers and Expedia when shopping through Barclays
    • Personalised debit card
  • Maximum Interest (AER)
    0%
  • Switching Incentive
    None
  • Minimum Monthly Credit
    £800
  • Monthly Fee
    £3
  • See Deal + In detail
  • Interest details
    • No interest is paid on in-credit balances on this account
    • Rewards details:
    • Get £7 every month (£3.50 for each Direct Debit payment) and extra cash rewards on selected products:
    • £5 each month for having your mortgage with Barclays
    • Up to £3 each month when you take out or renew buildings or contents cover with Barclays
    • Subject to eligibility.
    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:
    • Barclays' Monthly Maximum Charge for Personal Current Accounts is £32. This includes: a maximum of 4 Unpaid Transaction Fees (£32 cap). Barclays' Monthly Maximum Charge for Personal Current Accounts with Emergency Borrowing is £67. This includes: a maximum of 7 Emergency Borrowing Fees (£35 cap) and a maximum of 4 Unpaid Transaction Fees (£32 cap). It doesn't include charges for using an arranged overdraft or the cost of packs for customising your account.
  • 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.
    • 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
  • See Deal + 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
  • See Deal + 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 and council tax bills and on your Santander monthly mortgage payments (up to maximum of £1,000)
    • 2% cashback on gas and electricity bills and on Santander home insurance premiums (policies administered and underwritten by Aviva Insurance Limited)
    • 3% cashback on mobile, home phone, broadband and paid for TV packages
  • Maximum Interest (AER)
    1.5%
  • Switching Incentive
    None
  • Minimum Monthly Credit
    £500
  • Monthly Fee
    £5
  • See Deal + In detail
  • Interest details
    • 1.50% AER/1.49% gross (variable) interest on your entire balance up to £20,000

      Cashback Details
      To get cashback on your household bills and interest on your balance, just follow these steps:
    • · Pay at least £500 into your account each month - any interest paid and payments between Santander personal accounts you're named on won't count towards this
    • · Have at least two active Direct Debits - you'll receive cashback on any qualifying household bills you pay by Direct Debit
    Overdraft details
    • You could get a 4 month fee-free Arranged Overdraft when you switch to us. (Overdrafts are offered depending on your circumstances.)
    • The Arranged Overdraft Usage Fee will depend on the amount you use:
    • Below £2,000 - £1 a day
    • £2,000 to £2,999.99 - £2 a day
    • £3,000 and over - £3 a day
    • Unarranged Overdraft Usage Fee - £6 per day
  • Representative Example: 0% EAR (variable) Arranged Overdraft. Arranged Overdraft Usage Fee of £1 per day. If you are switching to Santander then there will be no Arranged Overdraft Usage Fee for the first 4 months. Assumed Arranged Overdraft credit limit: £1,200. Actual credit limit may differ. Arranged Overdraft Usage Fee depends on the amount of overdraft you are using.
    • 1% cashback on water and council tax bills and on your Santander monthly mortgage payments (up to maximum of £1,000)
    • 2% cashback on gas and electricity bills and on Santander home insurance premiums (policies administered and underwritten by Aviva Insurance Limited)
    • 3% cashback on mobile, home phone, broadband and paid for TV packages
    • 5% cashback on eligible purchases made before 30 September 2017 using Apple Pay, Android Pay and Samsung Pay
  • Maximum Interest (AER)
    0.00%
  • Switching Incentive
    None
  • Minimum Monthly Credit
    £500
  • Monthly Fee
    £1
  • See Deal + In detail
  • Interest details
    • No interest is paid on in-credit balances on this account

      Cashback Details
      To get cashback on your household bills, just follow these steps:
    • · Pay at least £500 into your account each month - any interest paid and payments between Santander personal accounts you're named on won't count towards this
    • · Have at least two active Direct Debits - you'll receive cashback on any qualifying household bills you pay by Direct Debit
    • · Log on to Online or Mobile Banking at least once in every three months
    Overdraft details
    • You could get a 4 month fee-free Arranged Overdraft when you switch to us. (Overdrafts are offered depending on your circumstances.)
    • The Arranged Overdraft Usage Fee will depend on the amount you use:
    • Below £2,000 - £1 a day
    • £2,000 to £2,999.99 - £2 a day
    • £3,000 and over - £3 a day
    • Unarranged Overdraft Usage Fee - £6 per day
  • Representative Example: 0% EAR (variable) Arranged Overdraft. Arranged Overdraft Usage Fee of £1 per day. If you are switching to Santander then there will be no Arranged Overdraft Usage Fee for the first 4 months. Assumed Arranged Overdraft credit limit: £1,200. Actual credit limit may differ. Arranged Overdraft Usage Fee depends on the amount of overdraft you are using.
    • 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
  • See Deal + 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
    • Unplanned Overdraft Fee £8.00 / Daily. Charged on unarranged overdrafts greater than £10 (maximum of £72 in any charging period). Monthly maximum charge for all unarranged fees: £80
  • 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 £8
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.

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.