Compare the Best UK Current Accounts

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Account Types

Features

Account Management

Show me products first that have quick links to the provider's site

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

£5.95 pm

Account Management

Additional Information

No debit card transaction fees payable

£5.95 monthly account fee

£10 cancellation fee on 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

£5.95 Per Month

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)

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* 0% 6 days 31 days

Get a debit card 0% 5 days 6 days

Get internet banking 0% 5 days 5 days

Get an overdraft 99% 0 days 0 days

Replace a lost debit card 0% 3 days 5 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: 30 June 2021

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 switching account

- £100 for accounts switched using Current Account Switching Service and at least £1K credited within 3 months.

Go To Provider's Site

Overdraft Rate (EAR)

39.90%

Interest Rate (AER)

0.00%

Account Fee

N/A

Account Management

Additional Information

Free emergency cash service available

High minimum funding required

Switch Service Guarantee member

Go To Provider's Site

Representative Example:Based on an overdraft limit of £1200. Up to £25.00 charged at 0.00% EAR Variable. Over £25.00 charged at 39.90% EAR Variable. Representative 38.9% APR variable.

General

Credit Interest Rates

Foreign Usage

Service Performance

Overdrafts

Benefits

General Account Details

Funding Required

Regular Funding/Income: Min £10500.00 Every 6 months. Regular Funding/Income: Min £1750.00 Per Month

Minimum / Maximum Age

Min 18 Years

Eligibility

None

Account Fee

None

Introductory Account Fee

None

Facilities

Cheque Book

Direct Debits

Standing Orders

Switch Service Guarantee

Debit Card

Visa

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

£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* 19% 1 day 24 days

Get a debit card 0% 6 days 13 days

Get internet banking 0% 5 days 7 days

Get an overdraft 99% 0 days 0 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 %

£25.01

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: 30 June 2021

Overdraft Pricing in the previous calendar quarter

Range of Advertised APRs during the period

38.9%

Cost of holding a £500 overdraft

For 7 days

For 30 days

For 60 days

£3.10

£13.29

£26.59

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 switching account

- Receive £110 cash and either a £30 Uber Eats voucher or The Dining Out Gift Card for new accounts when a minimum of two Direct Debits or Standing Orders are switched using the Current Account Switching Service within 30 days of account opening. Offer ends 31.10.21.

Emergency Cash Service

- Free Emergency Cash Service to withdraw up to USD 10,000 from any HSBC branch worldwide.

Savings - preferential terms

- Eligible for Regular Saver product.

Go To Provider's Site

Overdraft Rate (EAR)

39.49%

Interest Rate (AER)

0.00%

Account Fee

N/A

Account Management

Additional Information

No minimum funding required

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 6 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 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 %

£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: 30 June 2021

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.

Cashback on switching account

- £100 for accounts switched using the Current Account Switch Service by 2.12.21. Previous account must be closed. Must credit £1.5K and log into online or mobile banking. An additional £50 will be paid when at least 10 eligible transactions are made each month between 1.1.22 and 30.9.22.

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 and 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 6 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 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 %

£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: 30 June 2021

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.

Cashback on switching account

Exclusive offers with this account

- Earn 4 Rewards per month by making at a minimum of 2 direct debit payments of at least £2 each. Earn an additional 1 Reward by logging into mobile banking app every month. Once 5 Rewards are available they can be exchanged for a £5 current account credit, traded up for Reward vouchers at selected retailers or donated to a participating charity.

Exclusive offers with this account

- Earn at least 1% Rewards on qualifying purchases at selected retailers which can be converted to cashback, trade up vouchers or donated to charity.

Credit cards - preferential terms

- Existing Reward, Reward Premier, Reward Silver or Reward Platinum customers taking out a Reward Credit Card will receive an annual fee refund on the credit card (£24), for each year they hold both products.

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

Visa

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

Visa

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

£10.00 pm. £15.00 pm

Account Management

Additional Information

Cancellation or redemption fee not charged

Monthly account fee payable

No unpaid charges

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

£10.00 Per Month. £15.00 Per Month (Joint account)

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+

0.00%

Foreign Usage Charges

Debit card payment in a foreign currency in Europe / Worldwide

Currency Conversion Charge

2.00% / 2.00%

Transaction Charge

0.00% / 0.00%

Cash withdrawal in a foreign currency in Europe / Worldwide

Currency Conversion Charge

2.00% / 2.00%

Transaction Charge

0.00% / 0.00%

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.

Adviser offering financial services

- Money Managers available.

Go To Provider's Site

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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