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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

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.

 Apply

Santander Preferred In-Credit Rate A/c

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

£100 Cashback We’ll give you £100 cashback when you switch your main current account to Santander using our dedicated switching service and pay in at least £1,000 a month. You’ll earn the impressive 5% AER (fixed) for the first 12 months from account opening, on balances up to £2,500 when you pay in £1,000 per month.

 Apply

first direct 1st Account

N/A 15.9% EAR Interest Free Buffer: Yes

£100 when you switch your banking. Just transfer your salary/income of at least £1,500 per month within three months and we will add £100 to your account.

Apply

Lloyds TSB Classic Plus

2.5%† 18.9% EAR None

If you pay in £1000 a month or more, you can add Vantage or Plus to your Classic Plus 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

The Co-operative Bank Current Account Plus

N/A 15.9% EAR Fee Free Buffer: Yes

It’s subscription free and offers a fee-free overdraft facility. It also comes with a linked Savings Plus account that tracks 0.5%† below the Bank of England Base Rate and is guaranteed for the life of your Current Account Plus. To open and maintain a Current Account Plus all you need to do is pay in a minimum of £800 per month.

Apply

Santander Preferred Overdraft Rate A/c

0.1% 12.9% EAR None

Switch to Santander and get a 0% EAR overdraft for 12 months depending on your circumstances. After 12 months the rate reverts back to 12.9% EAR variable. All these benefits are available when you switch your account using our dedicated Account Transfer Service.

 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

NatWest Current Plus

0.1% 19.9% 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 Current Account

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

If you’re looking for a really straightforward current account that’s ideal for day-to-day banking, the Halifax Current Account is simplicity itself. We’ve made overdrafts simple too, by charging straightforward daily fees that are easy to understand.

 Apply

Lloyds TSB Student

0.1% 8.2% EAR None

Student Account Up to £1,500 tiered interest-free planned overdraft, mobile banking, Lloyds TSB Visa debit card, internet and phone banking with extra discounts and offers.

 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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