What are the best personal current accounts in 2021?

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.

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.

For 2021, 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 Scotland - Classic
• Bank of Scotland - Classic with Vantage
• Barclays Bank - Bank Account
• Cumberland BS - Cumberland Plus
• Halifax - Current Account
• Halifax - Reward Current Account
• HSBC - Advance
• Lloyds Bank - Classic
• Lloyds Bank - Club Lloyds
• M&S Bank - M&S Current Account
• Nationwide BS - FlexAccount
• Nationwide BS - FlexDirect
• NatWest - Select Account
• NatWest - Select Account with Control
• Royal Bank of Scotland - Select Account
• Royal Bank of Scotland - Select Account with Control
• Santander - 123 Current Account
• Santander - 123 Lite Current Account
• Santander - Everyday Current Account
• Santander - Select Current Account
• smile - Current
• Starling Bank - Current Account
• The Co-operative Bank - Current Account with Everyday Rewards
• Ulster Bank - Select Current Account
• Virgin Money - Virgin Money Current Account

• AIB - Classic Account
• Allied Irish Bank (GB) - Current Account
• Bank of Ireland UK - Clear Account
• Clydesdale Bank - Current Account Control
• Danske Bank - Danske Cash Reward
• Danske Bank - Danske Choice
• Danske Bank - Danske Standard
• HSBC - Bank Account
• Metro Bank - Current Account
• Santander - Choice Current Account
• TSB - Spend & Save
• Yorkshire Bank - Current Account Control

• Bank of Scotland - Platinum with Vantage
• Halifax - Ultimate Reward Current Account
• Lloyds Bank - Platinum
• Lloyds Bank - Platinum with Club Lloyds
• Nationwide BS - FlexPlus
• The Co-operative Bank - Everyday Extra with Everyday Rewards

• Bank of Scotland - Platinum
• Clydesdale Bank - Signature Current Account
• Yorkshire Bank - Signature Current Account

• Barclays Bank - Premier Current Account with Tech Pack
• Clydesdale Bank - Private Current Account
• Investec Bank plc - Voyage
• Yorkshire Bank - Private Current Account

• Barclays Bank - Premier Current Account
• Barclays Bank - Premier Current Account with Tech Pack Lite
• HSBC - Premier Bank Account

• 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

• AIB - Student+ Account
• Bank of Scotland - Student Account
• Barclays Bank - Student Additions
• Halifax - Student
• Lloyds Bank - Student
• Ulster Bank - Student Account

• Bank of Ireland UK - Graduate Current Account
• Nationwide BS - FlexGraduate
• NatWest - Graduate
• Royal Bank of Scotland - Graduate
• Santander - 123 Graduate Account

• AIB - Graduate Account
• Bank of Scotland - Graduate Account
• Barclays Bank - Higher Education Account
• HSBC - Graduate Bank Account
• Lloyds Bank – Graduate

• Bank of Ireland UK - Student
• Danske Bank - Danske Discovery
• Nationwide BS - FlexOne
• Santander - 123 Mini Current Account
• TSB - Under 19s Account

• Bank of Scotland - Under 19s Account
• Barclays Bank - Young Persons Account
• Halifax - Expresscash
• Lloyds Bank - Under 19s Account
• NatWest - Adapt Current Account