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.

What type of current account are you looking for?

  • NatWest logo

    NatWest Reward Account

    • 2% back in Rewards on 7 types of household bills if paid by Direct Debit - Reward eligibility criteria apply
    • On average NatWest customers earn £83 in Rewards per year. Based on monthly bills of £345 excluding the monthly £2 fee
    • To apply, you must be 18+ and a UK resident
    • Maximum Interest (AER) [?]
      0%
    • Switching Incentive
      £125
    • Minimum Monthly Credit
      None
    • Monthly Fee
      £2

    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
    • Other overdraft fees: please see provider website for details

    Switching incentive details

    • Earn £125 for switching your current account held elsewhere to NatWest by the 3 December 2018. Use Current Account Switch Service, deposit £1,500 into the account and login to online or mobile banking by 7 January 2019.
    • Open to both New and Existing customers.
    • T&Cs apply.
  • NatWest logo

    NatWest Select Account

    • Easy to use mobile banking app - voted best banking app at the British Bank Awards in 2018 for the second year in a row.
    • Get a contactless Visa Debit card - make payments under £30 with one tap
    • To apply, you must be 18+ and a UK resident
    • Maximum Interest (AER) [?]
      0%
    • Switching Incentive
      £125
    • Minimum Monthly Credit
      None
    • Monthly Fee
      Free

    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
    • Other overdraft fees: please see provider website for details

    Switching incentive details

    • Earn £125 for switching your current account held elsewhere to NatWest by the 3 December 2018. Use Current Account Switch Service, deposit £1,500 into the account and login to online or mobile banking by 7 January 2019.
    • Open to both New and Existing customers.
    • T&Cs apply.
  • NatWest logo

    NatWest Reward Platinum Account

    • 2% back in Rewards on 7 types of household bills if paid by Direct Debit - Reward eligibility criteria apply
    • On average NatWest customers earn £83 in Rewards per year. Based on monthly bills of £345.
    • UK car breakdown cover policy underwritten by U K Insurance Limited
    • Mobile phone insurance underwritten by Aviva Insurance Limited
    • Maximum Interest (AER) [?]
      0%
    • Switching Incentive
      £125
    • Minimum Monthly Credit
      None
    • Monthly Fee
      £20

    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
    • Other overdraft fees: please see provider website for details

    Switching incentive details

    • Earn £125 for switching your current account held elsewhere to NatWest by the 3 December 2018. Use Current Account Switch Service, deposit £1,500 into the account and login to online or mobile banking by 7 January 2019.
    • Open to both New and Existing customers.
    • T&Cs apply.
  • B logo

    B Current Account

    • Aged 16 or older (18 and older to apply online)
    • Must open both a B Current account and B Instant Savings account
    • Must register for automated telephone and internet banking services to run the account
    • Maximum Interest (AER) [?]
      0.50%
    • Switching Incentive
      None
    • Minimum Monthly Credit
      None
    • Monthly Fee
      Free

    Interest details

    • With a B Current account you'll enjoy 0.50% AER (0.50% gross p.a. variable) on your credit balances up to £2,000.

      B Instant Savings account with unlimited deposits gives you a 1.00% AER, (1.00% gross p.a. variable) paid quarterly on all credit balances.

    Overdraft details

    • £25 planned borrowing buffer, £10 unplanned borrowing buffer
    • 12.5% EAR
  • Nationwide logo

    Nationwide FlexDirect

    • 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

    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
  • Nationwide logo

    Nationwide FlexPlus

    • 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
      £13

    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
  • Nationwide logo

    Nationwide FlexAccount

    • No monthly fee
    • 3 month interest-free arranged overdraft available
    • Maximum Interest (AER) [?]
      0%
    • Switching Incentive
      None
    • Minimum Monthly Credit
      None
    • Monthly Fee
      Free

    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
  • Royal Bank of Scotland logo

    RBS Select Account

    • Easy to use mobile banking app
    • Get a contactless Visa Debit card - make payments up to £30 with one tap
    • To apply, you must be 18+ and a UK resident
    • Maximum Interest (AER) [?]
      0%
    • Switching Incentive
      £125
    • Minimum Monthly Credit
      None
    • Monthly Fee
      Free

    Interest details

    • No interest is paid on in-credit balances on this account

    Overdraft details

    • £10 interest free buffer. Once buffer exceeded, you'll be charged 19.89% EAR (variable) on the whole overdrawn amount and a monthly usage fee of £6 on all arranged overdrafts
    • Other overdraft fees: please see provider website for details

    Switching incentive details

    • Earn £125 for switching your current account held elsewhere to RBS by the 3 December 2018. Use Current Account Switch Service, deposit £1,500 into the account and login to digital or mobile banking by 7 January 2019.
    • Open to both New and Existing customers.
    • T&Cs apply.
  • RBS logo

    RBS Reward Account

    • 2% back in Rewards on 7 types of household bills if paid by Direct Debit - Reward eligibility criteria apply
    • On average RBS customers earn £83 in Rewards per year. Based on monthly bills of £345 excluding the monthly £2 fee
    • To apply, you must be 18+ and a UK resident
    • Maximum Interest (AER) [?]
      0%
    • Switching Incentive
      £125
    • Minimum Monthly Credit
      None
    • Monthly Fee
      £2

    Interest details

    • No interest is paid on in-credit balances on this account

    Overdraft details

    • Arranged overdraft fees: £10 interest free buffer. Once buffer exceeded, you'll be charged 19.89% EAR (variable) on the whole overdrawn amount and a monthly usage fee of £6 on all arranged overdrafts
    • Other overdraft fees: please see provider website for details

    Switching incentive details

    • Earn £125 for switching your current account held elsewhere to RBS by the 3 December 2018. Use Current Account Switch Service, deposit £1,500 into the account and login to digital or mobile banking by 7 January 2019.
    • Open to both New and Existing customers.
    • T&Cs apply.
  • RBS logo

    RBS Reward Platinum Account

    • 2% back in Rewards on 7 types of household bills if paid by Direct Debit - Reward eligibility criteria apply
    • On average RBS customers earn £83 in Rewards per year. Based on monthly bills of £345 excluding the monthly fee of £20
    • UK car breakdown cover policy underwritten by U K Insurance Limited
    • Mobile phone insurance underwritten by Aviva Insurance Limited
    • Maximum Interest (AER) [?]
      0%
    • Switching Incentive
      £125
    • Minimum Monthly Credit
      None
    • Monthly Fee
      £20

    Interest details

    • No interest is paid on in-credit balances on this account

    Overdraft details

    • Arranged overdraft fees: £250 interest free buffer. Once buffer exceeded, you'll be charged 19.89% EAR (variable) on the whole overdrawn amount and a monthly usage fee of £6 on all arranged overdrafts
    • Other overdraft fees: please see provider website for details

    Switching incentive details

    • Earn £125 for switching your current account held elsewhere to RBS by the 3 December 2018. Use Current Account Switch Service, deposit £1,500 into the account and login to digital or mobile banking by 7 January 2019.
    • Open to both New and Existing customers.
    • T&Cs apply.
  • Barclays logo

    Barclays Bank Account

    • Personalised debit card
    • Award-winning online and mobile banking
    • Earn cashback when you shop online and in-store through Barclays with selected partners
    • Maximum Interest (AER) [?]
      0%
    • Switching Incentive
      None
    • Minimum Monthly Credit
      None
    • Monthly Fee
      Free

    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.
  • Barclays logo

    Barclays Current Account with Blue Rewards

    • Get £7 every month (£3.50 for each Direct Debit payment) and extra cash rewards on selected products
    • Enhanced rate of cashback at selected retailers when shopping through Barclays
    • Personalised debit card
    • Maximum Interest (AER) [?]
      0%
    • Switching Incentive
      None
    • Minimum Monthly Credit
      £800
    • Monthly Fee
      £3

    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.
  • Santander logo

    Santander 1|2|3 Current Account

    • 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

    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
  • Santander logo

    Santander 1|2|3 Lite Current Account

    • 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%
    • Switching Incentive
      None
    • Minimum Monthly Credit
      £500
    • Monthly Fee
      £1

    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
  • NatWest logo

    NatWest Reward Silver Account

    • 2% back in Rewards on 7 types of household bills if paid by Direct Debit - Reward eligibility criteria apply
    • On average NatWest customers earn £83 in Rewards per year. Based on monthly bills of £345 excluding the monthly £12 fee.
    • To apply, you must be 18+ and a UK resident.
    • Maximum Interest (AER) [?]
      0%
    • Switching Incentive
      £125
    • Minimum Monthly Credit
      None
    • Monthly Fee
      £10

    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
    • Other overdraft fees: please see provider website for details

    Switching incentive details

    • Earn £125 for switching your current account held elsewhere to NatWest by the 3 December 2018. Use Current Account Switch Service, deposit £1,500 into the account and login to online or mobile banking by 7 January 2019.
    • Open to both New and Existing customers.
    • T&Cs apply.
  • RBS logo

    RBS Reward Silver Account

    • 2% back in Rewards on 7 types of household bills if paid by Direct Debit - Reward eligibility criteria apply
    • On average RBS customers earn £83 in Rewards per year. Based on monthly bills of £345 excluding the monthly £10 fee.
    • To apply, you must be 18+ and a UK resident.
    • Maximum Interest (AER) [?]
      0%
    • Switching Incentive
      £125
    • Minimum Monthly Credit
      None
    • Monthly Fee
      £10

    Interest details

    • No interest is paid on in-credit balances on this account

    Overdraft details

    • Arranged overdraft fees: £10 interest free buffer. Once buffer exceeded, you'll be charged 19.89% EAR (variable) on the whole overdrawn amount and a monthly usage fee of £6 on all arranged overdrafts
    • Other overdraft fees: please see provider website for details

    Switching incentive details

    • Earn £125 for switching your current account held elsewhere to RBS by the 3 December 2018. Use Current Account Switch Service, deposit £1,500 into the account and login to digital or mobile banking by 7 January 2019.
    • Open to both New and Existing customers.
    • T&Cs apply.
Please note: 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.

Award-winning comparisons you can trust

It's always nice to know you're on the right track. Over the years, as we have striven to improve the services we provide to our clients and users, we have been pleased to receive recognition for our efforts from both industry and consumer bodies.

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.

Featured brands