Compare basic bank accounts

Most bank accounts require a credit check, if you have a poor credit history or have been refused an account in the past you should check out the options below.

  • Provider &
    account name
  • Credit rate (AER)
    Based on £1
  • Overdraft rate
    Based on £1
  • Overdraft
    features
  • Apply
    now
Barclays Bank Bank Account
Barclays Bank
N/A 19.3% EAR None Apply »

A current account with no monthly fee that gives you a contactless debit card & access to online, in branch and phone banking.

Representative Example: Up to £300 – 0% interest pa (variable) Over £300 and up to £5,000 – 18.3% interest pa (variable). *Terms, conditions and exclusions apply.

Halifax Current Account
Halifax
N/A 0% plus £2.00 per day usage fee Fee Free Buffer
Max Transferred Fee Free Buffer
Apply »

An everyday bank account with all the standard features you'd expect. Straightforward overdraft fees that are easy to understand, access to our online banking and 24-hour telephone service, plus all the standard features you'd expect from a current account, like a Visa debit card.

Nationwide BS FlexAccount
Nationwide BS
N/A 18.9% EAR Fee Free Buffer
Max Transferred Fee Free Buffer
Apply »

The Nationwide FlexAccount gives you access to a range of exclusive offers, including free European travel insurance, discounted personal loans and special mortgage deals - all with no monthly account fee.

NatWest Select Account
NatWest
N/A 19.9% EAR Fee Free Buffer
Interest Free Buffer
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All the essentials to make everyday banking easy for you. Visa debit card, overdraft (subject to eligibility), UK-only call centres, Award-winning online banking, no monthly fee.

Royal Bank of Scotland Select Account
Royal Bank of Scotland
N/A 19.9% EAR Fee Free Buffer
Interest Free Buffer
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All the essentials to make everyday banking easy for you. Visa debit card, overdraft (subject to eligibility), UK-only call centres, no monthly fee.

The Co-operative Bank Current Account Plus
The Co-operative Bank
N/A 15.9% EAR Fee Free Buffer
Apply »

Subscription Free Everything you’d expect from our standard current account when you credit £800 or more, fee-free overdraft, secure online banking, cheque book, debit card, linked savings account.

HSBC Bank Account
HSBC
N/A 19.9% EAR Fee Free Buffer
Apply »

Easy switching, handy extras. Get all the benefits you'd expect from a bank account and more, including access to one of our highest-earning savings accounts.

Some important information about this page

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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