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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 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

£100 cashback when you switch your current account to Alliance & Leicester. To qualify for this offer you must switch all your direct debits and pay at least £500 from a non-Alliance & Leicester account into your account within 11 weeks of opening 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

Alliance & Leicester Premier Direct Current A/c

6.00% 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

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.

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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

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

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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