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  • BASIC

    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.

  • STANDARD

    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.

  • PACKAGED

    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.

  • STUDENT

    These accounts are designed for people in higher education.

    Student accounts generally do not charge a monthly fee and will offer an interest-free overdraft up to a certain amount. There will still be significant charges if you dip into an unauthorised overdraft though, so ensure you know your limit.

    Student accounts often include some extra benefits, such as free railcards, exclusive discount deals and gift certificates.

  • GRADUATE

    These accounts are designed for those who have recently graduated.

    They generally offer many of the same features as student accounts, including an interest-free overdraft to help you clear your student debts. But many also include a loan facility.

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.

  • 0.0%


    and more... No account extras
    Fee reduction available Free to use

    Representative Example:

    FEATURES

    In Credit Interest Rates
    Automatic Overdraft Limit
    • Rate only available if switching your account.

    • Fee only available if switching your account.

    Authorised Overdraft Typical Rate(s)
    • Rate only available if switching your account.

    Authorised Overdraft Fee(s)
    • Fee only available if switching your account.

    Unauthorised Overdraft Typical Rate(s)

    Amounts over authorised limit

    • Rate only available if switching your account.

    Unauthorised Overdraft Fee(s)

    Amounts over authorised limit

    • Fee only available if switching your account.

    Maximum Overdraft Fees
    Authorised Arrangement Fee(s)
    Authorised Review Fee(s)
    Overdraft Buffer
    • Buffer only available if switching your account.

    Account Access

    Rate Guarantee

    Other

    BENEFITS

    Bank Card

    ATM Daily Limit

    Other

    TO APPLY

    Age

    Income

    Investment Accounts

    Savings accounts

    Payments

    Opening Deposit

    Regular Funding/Income


    Account Fee

    Free to use

    Reverts To:

    Free to use

    Free to use

    Free to use

    Additional Information

    Other

    and more... No account extras
    more years available...
    No overdraft available

    Representative Example:

    FEATURES

    Authorised Overdraft Typical Rate(s)
    % variable
    Authorised Overdraft Fee(s)
    daily fee
    Unauthorised Overdraft Typical Rate(s)

    Amounts over authorised limit

    • Rate only available if switching your account.

    Unauthorised Overdraft Fee(s)
    • Fee only available if switching your account.

    Maximum Overdraft Fees
    Rate Guarantee

    Other

    In credit interest rates
    Account Fee

    Free to use

    BENEFITS

    Other

    Account Access

    Overdraft Buffer
    • Buffer only available if switching your account.

    ATM Daily Limit

    TO APPLY

    Age

    Income

    Regular funding/income


    Eligibility

    Other

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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