Basic Current Accounts

  • Basic current accounts are 'no-frills' products that only provide everyday banking services with no monthly fee
  • Use our quick and easy comparison tool to compare basic bank accounts available from high street banks and internet providers.
  • Compare up-to-date information on account features to find your ideal account.

What type of current account are you looking for?

NatWest Select Bank Account
  • 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)
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 basic current accounts

Some current accounts these days come with a whole lot of fancy whizz and pop. But if you don't need anything other than basic banking features you can keep it minimal.

The basic free-of-charge current account comes with a debit card which you can use in cash machines and in the shops and you can have direct debits and standing orders set up to automatically pay the bills. You either top up the account with cash, regular income such as your salary, or by transfer from another account.

Some of the accounts come with a cheque book and an overdraft facility. The very most basic don't though, and these are great for young people or those with poor credit histories.

Often basic accounts have restricted access to branch facilities - you have to administer the account either online or via the telephone. Don't worry though, there's very little in the banking world that you can't do from the comfort of your own home these days.

Some basic accounts may also prevent you from using your card abroad and they pay next to nothing in interest. Therefore it's best to only keep enough money in there to cover the bills and your day-to-day costs.

As well as the normal banks and building societies, see what's on offer from specialist telephone based providers. They often focus their attentions solely on basic accounts and could present a good alternative to the high street names, depending on your circumstances.

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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