Current Accounts

Compare accounts from major providers, including:

*This figure is based on historical data of comparisons across both personal and business accounts

13 products

Offer

Get £175 when you switch to first direct*
first direct 1st Account

Protected
Monthly Fee

Free

Interest Rate

0%

Arranged Overdraft Rate

0%

Minimum Monthly Credit

None

See Deal
Offer
Get £175 when you switch to first direct*

*To qualify, open an account between 9th September and the offer's withdrawal. Switch your banking via CASS, deposit £1,000, complete a full CASS switch with two Direct Debits or Standing Orders, register for digital banking, and use your debit card five times—all within 45 days. This offer is for new customers who haven’t held a first direct or HSBC current account since 1st January 2018.

Representative Example: If you use an arranged overdraft of £1,200, you'll be charged the equivalent annual rate of 39.9% EAR (variable). Representative APR 30.5% (variable). 0% EAR variable on the first £250.
Product Features

£250 interest-free overdraft (subject to status)

24/7, 365 banking - Online, Phone and on Mobile

No first direct debit card fees when spending abroad (T&C’s apply. See first direct website before applying)
Eligibility / Restrictions

Must be a UK resident aged 18+ with a phone number and email address

No bankruptcy or IVAs in the last 6 years

Pay in cash and cheques at HSBC branches and the Post Office
More info
Barclays Bank Account

Protected
Monthly Fee

Free

Interest Rate

0%

Arranged Overdraft Rate

35.0%

Minimum Monthly Credit

None

See Deal
Representative Example: If you use an arranged overdraft of £1,200, you'll be charged the equivalent annual rate of 35.0% EAR (variable). Representative APR 35.0% (variable). Subject to application, financial circumstance and borrowing history.
Product Features

Optional arranged overdrafts. Subject to application, financial circumstances and borrowing history

Manage your money with the Barclays app, Online Banking and more. You must be 18 or over to access this product in the app. T&Cs apply

Get more from your everyday banking with Barclays Blue Rewards, with access to enhanced savings rates and cashback on your everyday spend (eligibility, conditions and a £5 monthly fee apply)
Eligibility / Restrictions

Must be aged 18 or over

Must be a UK resident
More info
Barclays Premier Current Account

Protected
Monthly Fee

Free

Interest Rate

0%

Arranged Overdraft Rate

35.0%

Minimum Monthly Credit

None

See Deal
Representative Example: 0% interest (variable) payable on arranged overdrafts up to £500. If you use an arranged overdraft of £1,200, you’ll be charged the equivalent annual rate of 35.0% (variable). Representative APR 19.5% (variable). Subject to application, financial circumstances and borrowing history.
Product Features

Access to a dedicated team of Premier Financial Guides and get UK-based support whenever you need it from your Premier Telephone Banking Team

Access Barclays Avios Rewards for £12 a month and collect Avios to put towards your next trip with British Airways. You’ll also receive 25,000 bonus Avios if you’re opening your first account with Barclays, you join Avios Rewards, and complete a full switch using the Current Account Switch Service within 3 months of signing up for Barclays Avios Rewards. Eligibility and conditions apply

Exclusive account benefits, including a black debit card with up to £2,000 daily cash machine withdrawals (subject to status and available funds. Individual cash machine limits may apply).
Eligibility / Restrictions

To be eligible for this account you must have either:

A gross annual income of at least £75,000 paid into a Barclays current account

or have a total balance of at least £100,000 in savings with Barclays, eligible investments – or a mix of both
More info
Santander Everyday current account

Protected
Monthly Fee

Free

Interest Rate

0%

Arranged Overdraft Rate

39.94%

Minimum Monthly Credit

None

See Deal
Representative Example: If you use an arranged overdraft of £1,200, you'll be charged the equivalent annual rate of 39.94% EAR (variable). Representative APR 39.94% (variable).
Product Features

No minimum monthly funding or monthly fee to maintain the account

Arranged overdraft facility (subject to status). If you use an arranged overdraft you’ll be charged an interest rate of 39.94% APR / EAR (variable)

Get cashback, vouchers, prize draws and other offers personalised for you with Santander Boosts

Online and Mobile Banking available with text and email alerts
Eligibility / Restrictions

Must be over 18 and live in the UK permanently

To be eligible for Santander Boosts, you must have a personal Santander debit or credit card, be 18 years or over and be registered for Online and Mobile Banking
More info
Santander Edge current account

Protected
Monthly Fee

£3

Interest Rate

0%

Arranged Overdraft Rate

39.94%

Minimum Monthly Credit

£500

See Deal
Representative Example: If you use an arranged overdraft of £1,200, you'll be charged the equivalent annual rate of 39.94% EAR (variable). Representative APR 39.94% (variable).
Product Features

Earn 1% cashback (up to £10 a month) on selected household bills when you pay by Direct Debit

Earn 1% cashback (up to £10 a month) at supermarkets and on travel costs when you use your debit card (exclusions apply)

Access to Santander Edge Saver with 6.00% AER / 5.84% gross (variable) interest on balances up to £4,000 (includes 1.50% AER / 1.49% gross (variable) bonus rate for the first 12 months from opening)

Make international payments with no extra fees (the bank receiving the payment may still apply charges). Plus no charges for making CHAPS payments from this account

No Santander fees for using your Santander Edge debit card to withdraw cash and make payments outside the UK in the local currency

Get cashback, vouchers, prize draws and other offers personalised for you with Santander Boosts
Eligibility / Restrictions

You must be over 18 and live in the UK permanently to open the account

There is a £3 monthly fee for maintaining the account that will automatically be taken from your account each month

To earn cashback and interest, you must pay in £500 each month and have 2 active Direct Debits

You may only hold a maximum of two Santander Edge current accounts, one in your own name and one in joint names

You accept that this is a paper-free account, so documents, statements and some letters will be sent to your secure inbox in Online Banking

To be eligible for Santander Boosts, you must have a personal Santander debit or credit card, be 18 years or over and be registered for Online and Mobile Banking
More info
Santander Edge Up current account

Protected
Monthly Fee

£5

Interest Rate

3.50%

Arranged Overdraft Rate

39.94%

Minimum Monthly Credit

£1,500

See Deal
Representative Example: If you use an arranged overdraft of £1,200 you'll be charged the equivalent annual rate of 39.94% EAR (variable). Representative APR 39.94% (variable).
Product Features

Earn 1% cashback (up to £15 a month) on selected household bills when you pay by Direct Debit

Earn 1% cashback (up to £15 a month) at supermarkets and on travel costs when you use your debit card (exclusions apply)

Monthly interest of 3.50% AER / 3.45% gross (variable) on balances up to £25,000

You can make international payments with no extra fees (the bank receiving the payment may still apply charges). There's also no charge for making CHAPS payments from this account

No Santander fees for using your Santander Edge Up debit card to withdraw cash and make payments outside the UK in the local currency

Get cashback, vouchers, prize draws and other offers personalised for you with Santander Boosts

Online and Mobile Banking available with text and email alerts
Eligibility / Restrictions

You must be over 18 and live in the UK permanently to open the account

There is a £5 monthly fee for maintaining the account that will automatically be taken from your account each month

To earn cashback and interest, you must pay in £1,500 each month and have 2 active Direct Debits

You can’t have more than two Santander Edge Up current accounts or Private current accounts, one in your own name and one in joint names

To be eligible for Santander Boosts, you must have a personal Santander debit or credit card, be 18 years or over and be registered for Online and Mobile Banking
More info
Offer

3.85% AER (variable) included in Instant Access Savings Pots*
Monzo Current Account

Protected
Monthly Fee

Free

Interest Rate

0%

Arranged Overdraft Rate

39.0%

Minimum Monthly Credit

None

See Deal
Offer
3.85% AER (variable) included in Instant Access Savings Pots*

*No minimum deposit for Instant Access Savings, maximum deposit £100k. Interest paid monthly. You must have a Monzo current account to get an Instant Access Savings Pot. T&Cs apply

Representative Example: If you use an arranged overdraft of £1,200 for 30 days, with 39.0% EAR/APR (variable), it would cost you £32.94. 39.0% APR representative (variable)
Product Features

Instant Access Savings Pots at 3.85% AER (variable). Access your savings instantly, any time you need. Interest paid monthly. No minimum deposit & maximum deposit £500,000

Pay abroad with no fees. Monzo pass Mastercard's exchange directly on to you, without fees or extra charges
Eligibility / Restrictions

UK Residents only

Must be aged 18+

No minimum deposit for Instant Access Savings, maximum deposit £500k. Interest paid monthly. You must have a Monzo account to get an Instant Access Savings Pot

Credit/overdraft borrowing, eligibility and T&Cs apply
More info
Offer

1% cashback on everyday debit card spending for your first 12 months as a new customer
Chase Current Account

Protected
Monthly Fee

Free

Interest Rate

0%

Arranged Overdraft Rate

No overdraft

Minimum Monthly Credit

None

See Deal
Offer
1% cashback on everyday debit card spending for your first 12 months as a new customer

Max £15 cashback per month. Cashback exceptions apply. You can get 5% AER (4.89% gross) variable interest with a round up account, interest is paid monthly. Chase current account required to open round-up account. Round-up account balance transfers to elected Chase current or saver account on anniversary of account opening. Round-up T&Cs apply.

Representative Example: No credit facilities on this account
Product Features

Pay zero fees with Chase whether you’re at home or abroad

Get access to the easy access Chase Saver account which pays 3.75% AER (3.69% Gross) variable interest on your savings. Interest paid monthly. Saver account T&Cs apply

24/7 support either by phone or secure message
Eligibility / Restrictions

Must be 18+ and a resident of the UK only

Must have a smartphone and a UK mobile number

No cash or cheque deposit facilities
More info
Offer

Sign up and get 3 months of Premium free
Revolut Current Account - Standard Plan
Monthly Fee

Free

Interest Rate

Up to 2.29%

Arranged Overdraft Rate

No overdraft

Minimum Monthly Credit

None

See Deal
Offer
Sign up and get 3 months of Premium free

For new customers only, T&Cs apply. Premium plan subscription fees will apply after the free trial period. You'll be able to cancel for free at any point before the end of the free trial period. Once activated, you can order a Premium card. If you switch back to your current plan during the free trial period, you'll be charged for the card and applicable break fees. Offer available until December 31st 2023.

Representative Example: No credit facilities on this account
Product Features

App-based UK current account and Euro IBAN account

Send and receive money in 30+ currencies

From restaurant tabs to rent, split bills with anyone, even if they’re not on Revolut
Eligibility / Restrictions

Must be 18 years or older

No cash or cheque facilities on this account
More info
Revolut Plus Current Account
Monthly Fee

£3.99

Interest Rate

2.39% AER/Gross (variable)**

Arranged Overdraft Rate

No overdraft

Minimum Monthly Credit

None

See Deal
Representative Example: No credit facilities on this account
Product Features

1 RevPoint per £10 spent, up to 2.39% AER on savings and everyday insurance included

Free card personalisation

Link up to two under 18 accounts, for ages 6-17, and a co-parent
Eligibility / Restrictions

Must be 18 years or older

No cash or cheque facilities on this account
More info
Revolut Premium Current Account
Monthly Fee

£7.99

Interest Rate

3% AER/Gross (variable)**

Arranged Overdraft Rate

No overdraft

Minimum Monthly Credit

None

See Deal
Representative Example: No credit facilities on this account
Product Features

1 RevPoint per £4 spent, up to 3% AER on savings and discounted international transfer fees

Partner subscriptions with FT, NordVPN etc

No additional fees on currency exchange Monday to Friday (weekend mark-ups apply)
Eligibility / Restrictions

Must be 18 years or older

No cash or cheque facilities on this account
More info
Revolut Ultra Current Account
Monthly Fee

£45*

Interest Rate

4.75% AER/Gross (variable)**

Arranged Overdraft Rate

No overdraft

Minimum Monthly Credit

None

See Deal
Representative Example: No credit facilities on this account
Product Features

1 RevPoint per £1 spent, up to 4.75% AER on savings

3GB monthly global data in 100+ countries and unlimited airport lounge access (1,000+ airport lounges worldwide)

Access a curated selection of subscriptions, worth £4,255 annually. Trip & event cancellation insurance, and a platinum-plated card
Eligibility / Restrictions

Must be 18 years or older

No cash or cheque facilities on this account
More info
Revolut Metal Current Account
Monthly Fee

£14.99

Interest Rate

4% AER/Gross (variable)**

Arranged Overdraft Rate

No overdraft

Minimum Monthly Credit

None

See Deal
Representative Example: No credit facilities on this account
Product Features

1 RevPoint per £2 spent, up to 4% AER on savings and insurance for personal, medical care, winter sports, delayed flights and more

Free personalised metal card, partner subscriptions and discounted airport lounge access

Link up to five under 18 accounts, for ages 6-17, and a co-parent.
Eligibility / Restrictions

Must be 18 years or older

No cash or cheque facilities on this account
More info

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.

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Last updated on 02 July 2024.

What is a current account?

A current account is a bank account for day-to-day transactions, allowing people to both receive and pay money. It may also be known as a personal bank account or a standard account.

The way it works is simple – just choose your provider and open your account. You’ll receive a debit card you can use to withdraw your cash. Any incoming payments – salary, wage, or benefits – will likely be paid into your current account, and you can also set up regular outgoing payments such as standing orders or direct debits.

Read more information from our Nerds who have provided useful information to help you learn about your options and pick a personal current account.

Current Accounts

first direct 1st Account

Barclays Bank Account

Barclays Premier Current Account

Santander Everyday current account

Santander Edge current account

Santander Edge Up current account

Monzo Current Account

Chase Current Account

Revolut Current Account - Standard Plan

Revolut Plus Current Account

Revolut Premium Current Account

Revolut Ultra Current Account

Revolut Metal Current Account

Other comparisons

What is a current account?

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