Michelle Monck

Michelle Monck

Consumer Finance Expert
Published: 05/11/2019

At a glance

  • We review all the current accounts available and assign them a star rating based on a number of factors
  • Those products rated the highest have a five-star rating reflecting their product features and benefits
  • We split current accounts into five categories: standard current accounts, packaged current accounts, premium current accounts, student accounts, graduate accounts and youth accounts
  • The results on this page only show the top performing (four and five star) products

How do we decide which personal current accounts should get top marks?

Every year, Moneyfacts reviews the current accounts available and rates these based on their product features and the benefits they bring to consumers. This includes how easy it is for consumers to open and use the accounts, the availability of credit interest and any penalties charged. The Moneyfacts analysts also review the value of introductory offers, incentives and additional products such as travel insurance, vehicle breakdown and retail discounts. The ones that come out best receive our top score of five stars.

How can I find the right personal current account for me?

Moneyfacts.co.uk lists all the personal bank accounts available. You can read our banking guides to find out more about how these accounts work.

Standard Current Accounts – Five Star

In 2020, the following accounts received the top rating of five stars. These accounts have the strongest range of features of all current accounts currently in the market.

  • Bank of Ireland UK - Clear Account
  • Bank of Scotland - Classic
  • Bank of Scotland - Classic with Vantage
  • Barclays Bank - Bank Account
  • Barclays Bank - Bank Account with Control
  • Clydesdale Bank - Current Account Control
  • Cumberland BS - Cumberland Plus
  • first direct - 1st Account without First Directory
  • Halifax - Reward Current Account
  • HSBC - Advance
  • HSBC - Bank Account Pay Monthly
  • HSBC - Bank Account
  • Lloyds Bank - Classic
  • Lloyds Bank - Club Lloyds
  • M&S Bank - M&S Current Account
  • Metro Bank - Current Account
  • Nationwide BS - FlexAccount
  • Nationwide BS - FlexDirect
  • NatWest - Select Account with Control
  • Royal Bank of Scotland - Select Account
  • with Control
  • Santander - Select Current Account
  • Santander - 123 Current Account
  • Santander - 123 Lite Current Account
  • smile - Current
  • Starling Bank - Current Account
  • Tesco Bank - Current Account
  • The Co-operative Bank - Current Account
  • with Everyday Rewards
  • TSB - Classic Plus with Control
  • TSB - Classic with Control
  • Yorkshire Bank - Current Account Control

Standard Current Accounts – Four Star

  • Clydesdale Bank - B Current Account
  • ICICI Bank UK - UK Home Vantage
  • NatWest - Select Account
  • NatWest - Reward
  • Royal Bank of Scotland - Select Account
  • Royal Bank of Scotland - Reward
  • Santander - Everyday Current Account
  • Triodos Bank - Current Account
  • TSB - Classic Plus
  • TSB - Classic
  • Ulster Bank - Select Current Account
  • Yorkshire Bank - B Current Account

Packaged Current Accounts – Five Star

  • Bank of Scotland - Platinum with Vantage
  • Bank of Scotland - Platinum
  • first direct - 1st Account with First Directory
  • Halifax - Ultimate Reward Current Account
  • Lloyds Bank - Platinum with Club Lloyds
  • Lloyds Bank - Platinum
  • M&S Bank - M&S Premium Current Account
  • Nationwide BS - FlexPlus
  • The Co-operative Bank - Every

Packaged Current Accounts – Four Star

  • Barclays Bank - Bank Account with Travel Plus Pack
  • Barclays Bank - Bank Account with Travel Plus Pack and Control
  • Clydesdale Bank - Signature Current Account
  • NatWest - Reward Platinum
  • Royal Bank of Scotland - Reward Platinum
  • Ulster Bank - ufirst Private Current Account
  • Yorkshire Bank - Signature Current Account

Premium Current Accounts - Five Star

  • Barclays Bank - Premier Current Account with Travel Plus Pack
  • Barclays Bank - Premier Current Account with Travel Plus Pack and Control
  • Investec Bank plc - Voyage
  • NatWest - Premier Reward Black
  • Royal Bank of Scotland - Reward Black

Premium Current Accounts – Four Star

  • Barclays Bank - Premier Current Account with Tech Pack
  • Barclays Bank - Premier Current Account with Tech Pack and Control
  • Barclays Bank - Premier Current Account with Travel Pack
  • Barclays Bank - Premier Current Account with Travel Pack and Control
  • HSBC - Premier Bank Account

Student Current Accounts – Five Star

  • Bank of Ireland UK - Student Current Account
  • HSBC - Student Bank Account
  • Nationwide BS - FlexStudent
  • NatWest - Student
  • Royal Bank of Scotland - Student
  • Santander - 123 Student Current Account

Student Current Accounts – Four Star

  • Bank of Scotland - Student Account
  • Barclays Bank - Student Additions
  • First Trust Bank (NI) - Student+ Account
  • Halifax - Student
  • Lloyds Bank - Student
  • TSB - Student

Graduate Current Accounts – Five Star

  • Bank of Ireland UK - Graduate Current Account
  • HSBC - Graduate Bank Account
  • Nationwide BS - FlexGraduate
  • NatWest - Graduate
  • Royal Bank of Scotland – Graduate

Graduate Current Accounts – Four Star

  • Bank of Scotland - Graduate Account
  • Barclays Bank - Higher Education Account
  • First Trust Bank (NI) - Graduate Account
  • Lloyds Bank - Graduate
  • Santander - 123 Graduate Account

Youth Current Accounts – Five Star

  • Bank of Scotland - Under 19s Account
  • Danske Bank - Danske Discovery
  • Lloyds Bank - Under 19s Account
  • Santander - 123 Mini Current Account
  • TSB - Under 19s Account

Youth Current Accounts – Four Star

  • Barclays Bank - Young Persons Account
  • HSBC - MyAccount
  • Nationwide BS - FlexOne
  • NatWest - Adapt Current Account

Disclaimer: This information is intended solely to provide guidance and is not financial advice. Moneyfacts will not be liable for any loss arising from your use or reliance on this information. If you are in any doubt, Moneyfacts recommends you obtain independent financial advice.

At a glance

  • We review all the current accounts available and assign them a star rating based on a number of factors
  • Those products rated the highest have a five-star rating reflecting their product features and benefits
  • We split current accounts into five categories: standard current accounts, packaged current accounts, premium current accounts, student accounts, graduate accounts and youth accounts
  • The results on this page only show the top performing (four and five star) products

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