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    These accounts essentially have no overdraft facility, usually no debit card, cheque book and typically no in-credit interest. Usually for those who have a poor credit history and would struggle to get a standard bank account.

    You’ll be able to do basic banking functions like direct debits and standing orders, though you must ensure you have enough money to cover any outgoings or they won’t be paid and you’ll be charged a fee.

    Each bank has its own rules, so if one rejects you, apply to a different bank.


    Generally these are free to have and offer general banking facilities you would expect like access to an overdraft, debit card, cheque book, possibly some in-credit interest, direct debit and standing order set up.

    To get these accounts you can’t have a bad credit history and you may need to pay in a minimum amount each month or pay a fee.

    Some banks offer incentives to switch to them, cashback and enhanced terms on other products.


    You will typically have to pay a monthly or annual fee to have these accounts and sometimes pay in a minimum amount each month.

    They offer a bundle of perks on top of the usual banking facilities for free such as mobile, travel, and breakdown insurance, vouchers & discounts and enhanced interest rates.

    You must make sure you are eligible and correctly covered for the insurances; that you will make use of the extras and that you can’t get them cheaper elsewhere.

Most banks are now offering a 7 working day switching service, making it incredibly easy to move to a new current account. The switching service does the work for you, so instead of you having to take care of moving all your payments that go in (like your salary ) and out (like your rent or mortgage), the bank does it all for you. And if they get it wrong you will be refunded any lost interest, fines or charges that occur as a result of the switch in the first 13 months. Bear in mind that your old account will have to be closed for the rules to apply.
Find out more from the payments council.

Current Accounts Results

1 - 25 of 25 current accounts

The interest rate results are based on being £1,000 in credit, and overdraft rate results are based on being £500 in debit.

  • 0.00%

    and more... No account extras
    Free to use

    Representative Example:


    In credit interest rates
    Introductory rates
    Authorised Overdraft Typical Rate(s)

    No overdraft facility

    Authorised Overdraft Fee(s)
    Unauthorised Overdraft Typical Rate(s)

    No overdraft facility

    Unauthorised Overdraft Fee(s)
    Maximum Overdraft Fees
    Authorised Arrangement Fee(s)
    Authorised Review Fee(s)
    Overdraft Buffer
    Account Access

    Rate Guarantee



    Bank Card

    ATM Daily Limit





    Investment Accounts

    Savings accounts


    Opening Deposit

    Regular funding/income

    Account Fee

    Free to use

    Reverts To:

    Free to use

    Free to use

    Free to use


1 - 25 of 25 current accounts

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Current Accounts come in many shapes and sizes, from free and basic to premium and stacked full with free services. Some offer cashback, others discounts and insurance services. If you are looking for a premium bank account, a high interest current account or just need a basic banking facility - compare your options and apply online here.


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The table shows a range of products from the market. We work with the majority of Financial Service Providers to show the best deals.

The table is ranked in a formula that combines Likelihood of acceptance (Highest first), and Interest rate (AER) (highest first).

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