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Compare best buy current accounts

Search the whole market for the best current accounts

Many of the best current accounts are managed online, and you can find the cream of them here on lovemoney.com. Your current account is vitally important to making sure you get the most out of your money every day.

The best current account for you depends entirely on your day to day needs. It could be that you need a low interest overdraft facility, or maintain a credit balance you’d like to get the best rate on. You may even want cash back on your spending, or just easy online access or telephone banking.

We have a multitude of top current accounts for you to choose from, from familiar high street banks to banks whose accounts are based solely online. Our comparison tables and search tool can help you find just the right account for you.

Compare our top current accounts

Provider & account name Credit rate (AER) ?
Based on £1 		Overdraft
rate ?
Based on £1 		Overdraft
features ? 		Benefits Apply
now

Alliance & Leicester Premier Direct Current A/c

5.00% AER (Variable) on balances up to £2,500† 0% for 12 months then 50p per day (capped at £5.00) Introductory Fee Free Buffer: Yes
Fee Free Buffer: Yes

Credit interest rate fixed for 1 year. A dedicated team will move your existing direct debits, standing orders and salary to your new account and look to match your overdraft limit. Exclusive access to a linked PlusSaver account and the Santander Zero Credit Card dependant on circumstances

 Apply

Lloyds TSB Classic with Vantage

0.1%† 18.9% EAR None

If you pay in £1000 a month or more, you can add Vantage or Plus to your Classic Account for free. With Vantage you get up to 4.00% AER (3.93% Gross) for balances from £5,000 up to £7,000 paid monthly to supplement your income. All you need to do is, stay in credit during the month, and pay in at least £1,000 each month.

 Apply

Alliance & Leicester Premier Current A/c

0.5%† 0% for 12 months then 50p per day (capped at £5.00) Introductory Fee Free Buffer: Yes
Fee Free Buffer: Yes

Earn 0.50% AER (variable) on balances up to £2,500 and 0.10% AER (variable) on balances over that amount. 0% EAR typical overdraft. No usage fees on arranged overdrafts for 12 months from when you open the account (new customers only). A usage fee of 50p a day (up to £5 a month) applies after that. Maximum overdraft limit is £2,000. Exclusive access to a linked PlusSaver account and the Santander Zero Credit Card (depending on your circumstances).

 Apply

Santander Preferred In-Credit Rate A/c

5.00% AER (Variable) on balances up to £2,500† 19.9% EAR None

Credit interest rate changes to 1% gross/AER (variable) after 12 months on balances up to £2,500. Rate changes to 0.10% gross/AER (variable) on balances over £2,500 and for any month where the minimum of £1,000 paid into the account.

 Apply

Halifax Reward Current Account

0.0% 0% Fee Free Buffer: Yes
Max Transferred Fee Free Buffer: Yes

The Reward Current Account gives you £5 each month you pay in £1,000, whether you're in credit or overdrawn. You'll pay daily overdraft fees rather than monthly interest, making it easy to manage your money. You can keep track of your money with a free mobile alerting service plus you'll get a Halifax Visa debit card and access to any of the branches, as well as 24-hour telephone and online banking service.

 Apply

Santander Preferred Overdraft Rate A/c

0.1% 12.9% EAR None

0% EAR Advance Overdraft for the first 12 months from the date you open the account (depending on your circumstances). After 12 months, the rate changes to our standard rate typical 12.9% EAR (variable). We'll match your previous overdraft up to £5,000 (dependant on circumstances). All these benefits are available when you switch your account using our dedicated Account Transfer Team.

 Apply

Bank of Scotland Reward Current Account

0.0% 0% Fee Free Buffer: Yes
Max Transferred Fee Free Buffer: Yes

The Reward Current Account gives you £5 each month you pay in £1,000, whether you're in credit or overdrawn. You'll pay daily overdraft fees rather than monthly interest, making it easy to manage your money. You can keep track of your money with a free mobile alerting service plus you'll get a Bank of Scotland Visa debit card and access to any of the branches, as well as 24-hour telephone and online banking service.

 Apply

NatWest Current Plus

0.1% 19.2% EAR Interest Free Buffer: Yes

As an existing NatWest current account customer you would also be eligible to apply for a Natwest Platinum Credit Card currently offering 0% on balance transfers for 15 months and 0% on purchases – for three months from account opening.

 Apply

Halifax Ultimate Reward Current A/c

0.0% 0% Max Transferred Fee Free Buffer: Yes
Fee Free Buffer: Yes

With the Ultimate Reward Current Account you get all the features you'd expect, plus plenty of other great benefits for just £12.50 a month. £5 reward payment each calendar month you pay in £1,000, worldwide multi-trip, family travel insurance, RAC car breakdown cover and mobile phone insurance and exclusive offers.

 Apply

Royal Bank of Scotland IPCA

0.1% 19.2% EAR Interest Free Buffer: Yes

As an existing RBS current account customer you would also be eligible to apply for an RBS Platinum Credit Card currently offering 0% on balance transfers for 15 months and 0% on purchases – for three months from account opening.

 Apply

Some important information about this page

† Denotes a tiered rate.

Current accounts data provided by Moneyfacts, an independent third party.

We are normally made aware of changes to rates and products, but very occasionally changes may occur without our being notified. If you spot any mistakes or inaccuracies on our site, please contact us.

Please note that the services and products featured are those made available from advertisers and may not necessarily be the best offers on the market. For more information, please see our Current accounts advertising disclosure.

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