Compare the Best UK Current Accounts

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Account Types

Features

Account Management

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Overdraft Rate (EAR)

N/A

Interest Rate (AER)

0.00%

Account Fee

£12.50 pm. £5.00 pm

Account Management

Additional Information

No unpaid charges

Money is not protected by the UK Deposit Protection Scheme

£10 redemption fee on current account closure

Go To Provider's Site

Representative Example:N/A

General

Credit Interest Rates

Foreign Usage

Service Performance

Overdrafts

Benefits

General Account Details

Funding Required

None

Minimum / Maximum Age

Min 18 Years

Eligibility

None

Account Fee

£12.50 Per Month. £5.00 Per Month (Additional cardholder)

Introductory Account Fee

None

Facilities

Direct Debits

Standing Orders

Switch Service Guarantee

Debit Card

Mastercard

Withdrawal Limit

£450

Credit Interest Rates

Balance

Gross Rate %

AER %

£0.01 - £50000.00

0.00%

Foreign Usage Charges

Debit card payment in a foreign currency in Europe / Worldwide

Currency Conversion Charge

2.75% / 2.75%

Transaction Charge

£0.00 / £0.00

Cash withdrawal in a foreign currency in Europe / Worldwide

Currency Conversion Charge

2.75% / 2.75%

Transaction Charge

£3.00 / £3.00

Overdrafts

Introductory Arranged Overdraft

Introductory Arranged on

Switched Current Accounts

N/A

Arranged Overdraft

Unarranged Overdraft

Benefits

Other benefits, as well as those shown, might be available on this account. A full list of benefits will be included in the terms and conditions of the account.

Cashback on operating account

- Earn cash rewards of up to 3.5% at more than 35 major high street retailers when using CardOneMoney card.

Adviser offering financial services

- One-to-one Account Manager.

Go To Provider's Site

Overdraft Rate (EAR)

N/A

Interest Rate (AER)

0.00%

Account Fee

N/A

Account Management

Additional Information

No monthly account fee

£10 cancellation fee on account closures

Free UK ATM withdrawals and no debit card transaction fees payable

Go To Provider's Site

Representative Example:N/A

General

Credit Interest Rates

Foreign Usage

Service Performance

Overdrafts

Benefits

General Account Details

Funding Required

None

Minimum / Maximum Age

Min 18 Years

Eligibility

None

Account Fee

None

Introductory Account Fee

None

Facilities

Direct Debits

Standing Orders

Debit Card

Mastercard

Withdrawal Limit

£500

Credit Interest Rates

Balance

Gross Rate %

AER %

£10.00 - £5000.00

0.00%

Foreign Usage Charges

Debit card payment in a foreign currency in Europe / Worldwide

Currency Conversion Charge

2.99% / 2.99%

Transaction Charge

£0.00 / £0.00

Cash withdrawal in a foreign currency in Europe / Worldwide

Currency Conversion Charge

2.99% / 2.99%

Transaction Charge

£3.00 / £3.00

Overdrafts

Introductory Arranged Overdraft

Introductory Arranged on

Switched Current Accounts

N/A

Arranged Overdraft

Unarranged Overdraft

Benefits

Some benefits might be available on this account. A full list of benefits will be included in the terms and conditions of the account.

Go To Provider's Site

Overdraft Rate (EAR)

39.90%

Interest Rate (AER)

0.00%

Account Fee

N/A

Account Management

Additional Information

No account fee

No interest paid on credit balances

Switch Service Guarantee member

Go To Provider's Site

Representative Example:Based on an overdraft limit of £1200. Up to £250.00 charged at 0.00% EAR Variable. Over £250.00 charged at 39.90% EAR Variable. Representative 30.5% APR variable.

General

Credit Interest Rates

Foreign Usage

Service Performance

Overdrafts

Benefits

General Account Details

Funding Required

None

Minimum / Maximum Age

Min 18 Years

Eligibility

None

Account Fee

None

Introductory Account Fee

None

Facilities

Account Sweeping

Cheque Book

Direct Debits

Offset Option

Standing Orders

Switch Service Guarantee

Debit Card

Mastercard

Withdrawal Limit

£500

Credit Interest Rates

Balance

Gross Rate %

AER %

£0.01+

0.00%

Foreign Usage Charges

Debit card payment in a foreign currency in Europe / Worldwide

Currency Conversion Charge

2.75% / 2.75%

Transaction Charge

£0.00 / £0.00

Cash withdrawal in a foreign currency in Europe / Worldwide

Currency Conversion Charge

2.75% / 2.75%

Transaction Charge

2.00% (Min £1.75, max £5.00) / 2.00% (Min £1.75, max £5.00)

Service Performance

The table below shows the provider's current account service performance.

The information shown covers all of their main current accounts, not just specific to this account.

Service Completed

Same day Average 99%

Open a current account* 51% 3 days 27 days

Get a debit card 0% 5 days 6 days

Get internet banking 75% 1 day 7 days

Get an overdraft 98% 1 day 27 days

Replace a lost debit card 0% 3 days 6 days

* Once all requested documents and information have been received.

Overdrafts

Introductory Arranged Overdraft

Introductory Arranged on

Switched Current Accounts

N/A

Arranged Overdraft

Arranged Overdraft Available

Min. Balance

Rate %

EAR %

£250.01

2.84% - Per Month

39.90%

£0.01

0.00% - Per Month

0.00%

Grace period

23:45 same day

Unarranged Overdraft

Unarranged Overdraft Available

Min. Balance

Rate %

EAR %

£0.01

2.84% - Per Month

39.90%

Refused Payment Fee

£0.00

Grace Period

23:45 same day

Monthly Maximum Charge

20.00

Range of annual interest rates payable for overdraft

Arranged Unarranged Refused payment fee

34.05%

£0.00

Data as of: 31 March 2022

Overdraft Pricing in the previous calendar quarter

Range of Advertised APRs during the period

30.5%

Cost of holding a £500 overdraft

For 7 days

For 30 days

For 60 days

£1.63

£7.00

£13.99

Benefits

Other benefits, as well as those shown, might be available on this account. A full list of benefits will be included in the terms and conditions of the account.

Cashback on operating account

- Receive £20 when opening a 1st Account and logging in to the mobile app or digital banking.

Cashback on switching account

- £150 for accounts switched using Current Account Switching Service and at least £1K credited within 3 months.

Savings - preferential terms

- Comes with linked Regular Saver Account paying 3.5% AER fixed for 12 months.

Go To Provider's Site

Overdraft Rate (EAR)

39.49%

Interest Rate (AER)

0.00%

Account Fee

N/A

Account Management

Additional Information

No monthly funding requirement

No interest paid on credit balances

Switch Service Guarantee member

Go To Provider's Site

Representative Example:Based on an overdraft limit of £1200 charged at 39.49% EAR Variable. Representative 39.5% APR variable.

General

Credit Interest Rates

Foreign Usage

Service Performance

Overdrafts

Benefits

General Account Details

Funding Required

None

Minimum / Maximum Age

Min 18 Years

Eligibility

None

Account Fee

None

Introductory Account Fee

None

Facilities

Cheque Book

Direct Debits

Offset Option

Standing Orders

Switch Service Guarantee

Debit Card

Visa

Withdrawal Limit

£300

Credit Interest Rates

Balance

Gross Rate %

AER %

£0.01+

0.00%

Foreign Usage Charges

Debit card payment in a foreign currency in Europe / Worldwide

Currency Conversion Charge

2.75% / 2.75%

Transaction Charge

0.00% / 0.00%

Cash withdrawal in a foreign currency in Europe / Worldwide

Currency Conversion Charge

2.75% / 2.75%

Transaction Charge

0.00% / 0.00%

Service Performance

The table below shows the provider's current account service performance.

The information shown covers all of their main current accounts, not just specific to this account.

Service Completed

Same day Average 99%

Open a current account* 0% 1 day 1 day

Get a debit card 0% 3 days 4 days

Get internet banking 0% 8 days 8 days

Get an overdraft 100% 0 days 0 days

Replace a lost debit card 0% 3 days 4 days

* Once all requested documents and information have been received.

Overdrafts

Introductory Arranged Overdraft

Introductory Arranged on

Switched Current Accounts

N/A

Arranged Overdraft

Arranged Overdraft Available

Min. Balance

Rate %

EAR %

£0.01

2.81% - Per Month

39.49%

Grace period

14:30 same day

Unarranged Overdraft

Unarranged Overdraft Available

Min. Balance

Rate %

EAR %

£0.01

2.81% - Per Month

39.49%

Refused Payment Fee

Up to £2.15

Grace Period

14:30 same day

Monthly Maximum Charge

19.40

Range of annual interest rates payable for overdraft

Arranged Unarranged Refused payment fee

39.49%

£2.15

Data as of: 31 March 2022

Overdraft Pricing in the previous calendar quarter

Range of Advertised APRs during the period

39.5%

Cost of holding a £500 overdraft

For 7 days

For 30 days

For 60 days

£3.24

£13.87

£28.13

Benefits

Other benefits, as well as those shown, might be available on this account. A full list of benefits will be included in the terms and conditions of the account.

Emergency Cash Service

- Free 24/7 Emergency Cash Service to withdraw up to £300 for online and telephone banking customers or £60 if not.

Go To Provider's Site

Overdraft Rate (EAR)

39.49%

Interest Rate (AER)

0.00%

Account Fee

£2.00 pm

Account Management

Additional Information

Earn Rewards on direct debits and purchases at selected retailers

£2pm account fee

Switch Service Guarantee member

Go To Provider's Site

Representative Example:Based on an overdraft limit of £1200 charged at 39.49% EAR Variable. Representative 39.5% APR variable.

General

Credit Interest Rates

Foreign Usage

Service Performance

Overdrafts

Benefits

General Account Details

Funding Required

Regular Funding/Income: Min £1250.00 Per Month

Minimum / Maximum Age

Min 18 Years

Eligibility

None

Account Fee

£2.00 Per Month

Introductory Account Fee

None

Facilities

Cheque Book

Direct Debits

Offset Option

Standing Orders

Switch Service Guarantee

Debit Card

Visa

Withdrawal Limit

£300

Credit Interest Rates

Balance

Gross Rate %

AER %

£0.01+

0.00%

Foreign Usage Charges

Debit card payment in a foreign currency in Europe / Worldwide

Currency Conversion Charge

2.75% / 2.75%

Transaction Charge

0.00% / 0.00%

Cash withdrawal in a foreign currency in Europe / Worldwide

Currency Conversion Charge

2.75% / 2.75%

Transaction Charge

0.00% / 0.00%

Service Performance

The table below shows the provider's current account service performance.

The information shown covers all of their main current accounts, not just specific to this account.

Service Completed

Same day Average 99%

Open a current account* 0% 1 day 1 day

Get a debit card 0% 3 days 4 days

Get internet banking 0% 8 days 8 days

Get an overdraft 100% 0 days 0 days

Replace a lost debit card 0% 3 days 4 days

* Once all requested documents and information have been received.

Overdrafts

Introductory Arranged Overdraft

Introductory Arranged on

Switched Current Accounts

N/A

Arranged Overdraft

Arranged Overdraft Available

Min. Balance

Rate %

EAR %

£0.01

2.81% - Per Month

39.49%

Grace period

14:30 same day

Unarranged Overdraft

Unarranged Overdraft Available

Min. Balance

Rate %

EAR %

£0.01

2.81% - Per Month

39.49%

Refused Payment Fee

Up to £2.15

Grace Period

14:30 same day

Monthly Maximum Charge

19.40

Range of annual interest rates payable for overdraft

Arranged Unarranged Refused payment fee

39.49%

0.00%

£2.15

Data as of: 31 March 2022

Overdraft Pricing in the previous calendar quarter

Range of Advertised APRs during the period

39.5%

Cost of holding a £500 overdraft

For 7 days

For 30 days

For 60 days

£3.24

£13.87

£28.13

Benefits

Other benefits, as well as those shown, might be available on this account. A full list of benefits will be included in the terms and conditions of the account.

Exclusive offers with this account

- Earn £9 back in Rewards per month by making at a minimum of 2 direct debit payments of at least £4.50 each. Earn an additional £1 back in Rewards by logging into mobile banking app every month. Earn at least 1% Rewards on qualifying purchases at selected retailers. Once £5 in Rewards are available they can be exchanged and banked into a Reward current account or credit card, traded up for for e-gift codes at selected retailers or donated to a participating charity.

Credit cards - preferential terms

- Existing Reward, Reward Silver or Reward Platinum customers taking out a Reward Credit Card will receive a 100% annual fee refund, for each year they hold both products simultaneously.

Emergency Cash Service

- Free 24/7 Emergency Cash Service to withdraw up to £300 for online and telephone banking customers or £60 if not.

Go To Provider's Site

Overdraft Rate (EAR)

N/A

Interest Rate (AER)

0.00%

Account Fee

£4.97 pm

Account Management

Additional Information

Cashback Rewards available

£4.97 per month fee

Can be operated via smart phone apps

Go To Provider's Site

Representative Example:N/A

General

Credit Interest Rates

Foreign Usage

Service Performance

Overdrafts

Benefits

General Account Details

Funding Required

None

Minimum / Maximum Age

Min 18 Years

Eligibility

None

Account Fee

£4.97 Per Month

Introductory Account Fee

None

Facilities

Direct Debits

Standing Orders

Debit Card

Mastercard

Withdrawal Limit

£300

Credit Interest Rates

Balance

Gross Rate %

AER %

£20.00 - £10000.00

0.00%

Foreign Usage Charges

Debit card payment in a foreign currency in Europe / Worldwide

Currency Conversion Charge

2.35% / 2.57%

Transaction Charge

£1.97 / £1.97

Cash withdrawal in a foreign currency in Europe / Worldwide

Currency Conversion Charge

2.35% / 2.57%

Transaction Charge

£2.50 / £2.50

Overdrafts

Introductory Arranged Overdraft

Introductory Arranged on

Switched Current Accounts

N/A

Arranged Overdraft

Unarranged Overdraft

Benefits

Other benefits, as well as those shown, might be available on this account. A full list of benefits will be included in the terms and conditions of the account.

Cashback on debit card purchases

- Cashback Rewards

Go To Provider's Site

Overdraft Rate (EAR)

N/A

Interest Rate (AER)

0.00%

Account Fee

£9.97 pm

Account Management

Additional Information

Cashback Rewards available

£9.97 per month fee

Can be operated via smart phone apps

Go To Provider's Site

Representative Example:N/A

General

Credit Interest Rates

Foreign Usage

Service Performance

Overdrafts

Benefits

General Account Details

Funding Required

None

Minimum / Maximum Age

Min 18 Years

Eligibility

None

Account Fee

£9.97 Per Month

Introductory Account Fee

None

Facilities

Direct Debits

Restrictions on Free Transactions

Standing Orders

Debit Card

Mastercard

Withdrawal Limit

£500

Credit Interest Rates

Balance

Gross Rate %

AER %

£20.00 - £10000.00

0.00%

Foreign Usage Charges

Debit card payment in a foreign currency in Europe / Worldwide

Currency Conversion Charge

2.35% / 2.57%

Transaction Charge

£1.97 / £1.97

Cash withdrawal in a foreign currency in Europe / Worldwide

Currency Conversion Charge

2.35% / 2.57%

Transaction Charge

£2.24 / £2.24

Overdrafts

Introductory Arranged Overdraft

Introductory Arranged on

Switched Current Accounts

N/A

Arranged Overdraft

Unarranged Overdraft

Benefits

Other benefits, as well as those shown, might be available on this account. A full list of benefits will be included in the terms and conditions of the account.

Cashback on debit card purchases

- Cashback Rewards

Go To Provider's Site

Overdraft Rate (EAR)

N/A

Interest Rate (AER)

0.00%

Account Fee

N/A

Account Management

Additional Information

Cashback Rewards available

Money is not protected by the UK Deposit Protection Scheme

No monthly account fee

Go To Provider's Site

Representative Example:N/A

General

Credit Interest Rates

Foreign Usage

Service Performance

Overdrafts

Benefits

General Account Details

Funding Required

None

Minimum / Maximum Age

Min 18 Years

Eligibility

None

Account Fee

None

Introductory Account Fee

None

Facilities

Direct Debits

Standing Orders

Debit Card

Mastercard

Withdrawal Limit

£200

Credit Interest Rates

Balance

Gross Rate %

AER %

£20.00 - £5000.00

0.00%

Foreign Usage Charges

Debit card payment in a foreign currency in Europe / Worldwide

Currency Conversion Charge

2.00% / 2.00%

Transaction Charge

£1.00 / £1.00

Cash withdrawal in a foreign currency in Europe / Worldwide

Currency Conversion Charge

2.00% / 2.00%

Transaction Charge

£2.50 / £2.50

Overdrafts

Introductory Arranged Overdraft

Introductory Arranged on

Switched Current Accounts

N/A

Arranged Overdraft

Unarranged Overdraft

Benefits

Other benefits, as well as those shown, might be available on this account. A full list of benefits will be included in the terms and conditions of the account.

Cashback on debit card purchases

- Cashback Rewards

Go To Provider's Site

Overdraft Rate (EAR)

N/A

Interest Rate (AER)

2.50%

Account Fee

N/A

Account Management

Additional Information

Discounted AA driving lessons if aged 17

Account can only be opened in branch

Switch Service Guarantee member

Representative Example:N/A

General

Credit Interest Rates

Foreign Usage

Service Performance

Overdrafts

Benefits

General Account Details

Funding Required

None

Minimum / Maximum Age

Min 16 Years / Max Under 19 Years

Eligibility

None

Account Fee

None

Introductory Account Fee

None

Facilities

Account Sweeping

Direct Debits

Standing Orders

Switch Service Guarantee

Debit Card

Visa

Withdrawal Limit

£500

Credit Interest Rates

Balance

Gross Rate %

AER %

£1.00 - £2499.99

2.47%

2.50%

£2500.00+

0.10%

Foreign Usage Charges

Debit card payment in a foreign currency in Europe / Worldwide

Currency Conversion Charge

2.99% / 2.99%

Transaction Charge

No min, max £1.00 (Lower fee for withdrawals made within the EEA) / £1.00

Cash withdrawal in a foreign currency in Europe / Worldwide

Currency Conversion Charge

2.99% / 2.99%

Transaction Charge

1.50% (Min £2.00, max £4.50). 0.00% / 1.50% (Min £2.00, max £4.50)

Service Performance

The table below shows the provider's current account service performance.

The information shown covers all of their main current accounts, not just specific to this account.

Service Completed

Same day Average 99%

Open a current account* 65% 1 day 20 days

Get a debit card 0% 7 days 7 days

Get internet banking 82% 0 days 4 days

Get an overdraft 40% 6 days 5 days

Replace a lost debit card 0% 7 days 7 days

* Once all requested documents and information have been received.

Overdrafts

Introductory Arranged Overdraft

Introductory Arranged on

Switched Current Accounts

N/A

Arranged Overdraft

Unarranged Overdraft

Unarranged Overdraft Available

Min. Balance

Rate %

EAR %

£0.01

0.00% - Per Month

0.00%

Refused Payment Fee

£0.00

Grace Period

N/A

Monthly Maximum Charge

N/A

Benefits

Other benefits, as well as those shown, might be available on this account. A full list of benefits will be included in the terms and conditions of the account.

Driving lessons - preferential deals

- For those aged 17 and over. Discount on AA driving lessons worth £36 and discount on Pass Plus worth £20.

Overdraft Rate (EAR)

19.90%

Interest Rate (AER)

2.02%

Account Fee

N/A

Account Management

Additional Information

Switch using CASS and receive 20,000 points

Must open linked savings account

Switch Service Guarantee Member

Representative Example:Based on an overdraft limit of £1200 charged at 19.90% EAR Variable. Representative 19.9% APR variable.

General

Credit Interest Rates

Foreign Usage

Service Performance

Overdrafts

Benefits

General Account Details

Funding Required

None

Minimum / Maximum Age

Min 18 Years

Eligibility

None

Account Fee

None

Introductory Account Fee

None

Facilities

Account Sweeping

Cheque Book

Direct Debits

Offset Option

Standing Orders

Tied/Linked Accounts

Switch Service Guarantee

Debit Card

Mastercard

Withdrawal Limit

£500

Credit Interest Rates

Balance

Gross Rate %

AER %

£0.01 - £1000.00

2.00%

2.02%

£1000.01+

0.00%

Foreign Usage Charges

Debit card payment in a foreign currency in Europe / Worldwide

Currency Conversion Charge

£0.00 / £0.00

Transaction Charge

£0.00 / £0.00

Cash withdrawal in a foreign currency in Europe / Worldwide

Currency Conversion Charge

£0.00 / £0.00

Transaction Charge

£0.00 / £0.00

Service Performance

The table below shows the provider's current account service performance.

The information shown covers all of their main current accounts, not just specific to this account.

Service Completed

Same day Average 99%

Open a current account* 83% 1 day 18 days

Get a debit card 0% 4 days 7 days

Get internet banking 100% 0 days 0 days

Get an overdraft 0% 5 days 11 days

Replace a lost debit card 0% 4 days 9 days

* Once all requested documents and information have been received.

Overdrafts

Introductory Arranged Overdraft

Introductory Arranged on

Switched Current Accounts

N/A

Arranged Overdraft

Arranged Overdraft Available

Min. Balance

Rate %

EAR %

£0.01

1.52% - Per Month

19.90%

Grace period

15:00 same day

Unarranged Overdraft

Unarranged Overdraft Available

Min. Balance

Rate %

EAR %

£0.01

1.52% - Per Month

19.90%

Refused Payment Fee

Up to £4.00

Grace Period

15:00 same day

Monthly Maximum Charge

40.00

Range of annual interest rates payable for overdraft

Arranged Unarranged Refused payment fee

18.29%-34.05%

£4.00

Data as of: 31 March 2022

Overdraft Pricing in the previous calendar quarter

Range of Advertised APRs during the period

19.9%-39.9%

Cost of holding a £500 overdraft

For 7 days

For 30 days

For 60 days

£1.75

£7.51

£15.13

Benefits

Other benefits, as well as those shown, might be available on this account. A full list of benefits will be included in the terms and conditions of the account.

Account opening incentive (other than cash)

- Apply online from the Virgin Red app or website and complete a full current account switch using the Current Account Switch Service to receive 20,000 points. Customers must set up two direct debits, register for the mobile app, deposit at least £1K into a linked savings account within 45 days of account opening and close the original account.

Savings - preferential terms

- Comes with linked M Plus Saver Account.

Note

Eligible deposits with UK institutions are protected by the Financial Services Compensation Scheme up to a maximum level of protection of £85,000 per person per institution. Moneyfacts.co.uk Limited is an independent credit broker not a lender. We will receive a payment from credit providers where customers link to them from Moneyfacts.co.uk. None of these arrangements affects our independence.

Disclaimer

All overdrafts are subject to the applicant’s status. You may not be offered credit. All rates and fees are subject to change without notice. Please check all rates and terms before borrowing.

Quick Links

Quick links are where we have an arrangement with a provider so you can move directly from our site to theirs to view more information and apply for a product. We also use quick links where we have an arrangement with a preferred broker to move you directly to their site. Depending on the arrangement we may receive a modest commission either when you press a 'Go to Provider' or 'Speak to a Broker' button, when you call an advertised number or when you complete an application.

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