Compare Online Current Accounts

Compare the best online current accounts available in the UK, find the best internet current account for your circumstances and open a bank account online in minutes. Our dedicated online current account comparison tables make finding the best internet bank accounts hassle free.

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	Monthly Charge	Minimum Monthly Credit	Overdraft			Headline Interest Rate	Banking
	Monthly Charge	Minimum Monthly Credit	Interest Free	Standard Rate	Standard Charge	Headline Interest Rate	Web	Branch	Tel
The Co-operative Bank Current Account Plus	£0	£800	£0	15.9%	£0	0%
Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 15.9% EAR (variable). A fee free overdraft of £200 is available. A £20 charge applies to customers arranging a formal overdraft above the £200 initial limit.
Halifax Reward Current Account => £1,000 per month	£0	£1,000	none	0%	£1-2 per day	0%
Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 0% EAR (variable). Get £5 each month you pay in £1,000, whether you're in credit or overdrawn.
Santander 123 Current Account	£2	£500	none	0%	£1.00 per day	3%
Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 0% EAR (variable).
Barclays Bank Account	£0	£0	none	19.3%	£0	0%
Representative Example: Up to £5,000, 19.3% interest per annum (variable). Subject to status & application. Fee free current account with the convenience of an overdraft.
The Co-operative Bank Privilege Account	£9.50	£0	£200	12.9%	£0	0%
Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 12.9% EAR (variable). A £20 charge applies to customers arranging a formal overdraft above the £200 initial limit.
Nationwide FlexAccount	£0	£0	none	18.9%	£0	0%
Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 18.9% EAR (variable). Free Multi-trip European insurance cover, Interest-free overdraft for 3 months, No monthly fee, Independently rated 5 star by Defaqto
NatWest Select Silver Account	£8	£0	£100	19.89%	£0	0%
Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 19.89% EAR (variable). Includes - 3 LOVEFiLM DVD rentals per month. 5 hmvdigital music downloads per month. European Travel Insurance. Mobile Phone Insurance including iPhone.
NatWest Select Account	£0	£0	£100	19.89%	£0	0%
Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 19.89% EAR (variable). Includes a free app for your iPhone. Overdraft (subject to eligibility). Emergency cash (withdraw up to £300 if you lose your debit card). No monthly fees.
The Co-operative Bank Privilege Premier	£13	£0	£300	9.9%	£0	0%
Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 9.9% EAR (variable). A £20 charge applies to customers arranging a formal overdraft above the £300 initial limit.
thinkbanking Card Account	£14.50	£0	n/a	n/a	n/a	0%
Innovative way to manage your money with a two account system. Free cash withdrawals. Part of the award winning fair banking foundation.
Barclays Current Account Plus	£6.50	£0	£300	18.3%	£0	0%
Representative Example: Up to £300, 0% interest per annum (variable). £301-£5,000, 18.3% interest per annum (variable). Subject to status and application.
Halifax Current Account < £1,000 per month	£0	£0	none	0%	£1-2 per day	0%
Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 0% EAR (variable). Fee-free switching overdraft for a limited period.
NatWest Advantage Gold	£12.95	£0	£100	19.49%	£0	0%
Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 19.49% EAR (variable). Includes insurance for world wide travel and Mobile phone (including iPhone) and Green Flag car breakdown cover. £12.95 monthly fee.
Barclays Additions Active	£15	£0	£300	18.3%	£0	0%
Representative Example: Up to £300, 0% interest per annum (variable). £301-£5,000, 18.3% interest per annum (variable). Subject to status and application. Includes a range of benefits for £15 per month
Lloyds TSB Business Account for Start-ups	£5	n/a	none	variable	Unlimited	0%
18 months free day to day business banking subject to status (charges only apply after this period).
Halifax Ultimate Reward Current Account => £1,000 per mth	£10	£1,000	£300	0%	£1-2 per day	0%
Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 0% EAR (variable).
Barclays Business Current Account Free Automated Tariff	£5.50	n/a	none	variable	Unlimited	0%
Starting business. Free business banking for up to two years, Ts&Cs apply.
NatWest Business Current Account	£6	n/a	none	variable	n/a	0%
Setting up a new company or have been trading as a small business for less than a year? The start-up package could save over £900. Apply online or call 0333 355 9425
NatWest Business Current Account (Auto Free Tariff)	£3.75	n/a	none	variable	n/a	0%
Setting up a new company or have been trading as a small business for less than a year? The start-up package could save over £900. Apply online or call 0333 355 9425
Lloyds TSB Business Account for Switchers	£5	n/a	none	variable	Unlimited	0%
6 months free day to day business banking subject to status (charges only apply after this period).
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How to Choose the Best Online Bank Account

Online bank accounts offer everything normal bank accounts do but with an extra degree of ease. Here’s our guide to finding the best one.

Online banking is only a relatively recent development and the notion of queuing up in banks week in week out will be a distant memory for many people.

Being able to bank via the internet has brought an amazing amount of ease to the way you deal with your finances.

Most banks offer nearly all of the transactions and options that are offered in branch via the internet and most also allow you to open a current account online.

Speed of banking

Internet banking allows you to make transactions electronically from one account to another at any time of the day you want.

These transactions generally take less than to 2 hours to move money between accounts, providing the bank offers Faster Payments.

Online banking also offers a near instantaneous option to move cash from one of your own accounts to another providing they're with the same bank.

Interest rates

Interest rates paid on money in current accounts vary considerably.

Some banks offer a high interest rate, before dropping to a virtually nonexistent rate after a period. So keep an eye on the introductory and then the regular paying rate of interest on current accounts to find the best deals.

You may also have to deposit a certain amount into the account per month to ensure that you can open an account, receive the best rates and aren't charged. Make sure you can afford to meet this if you choose to apply for an account with a minimum monthly credit.

You will also need to consider whether you are generally in the red or the black and then choose an account based on this.

Those in the red should look for the cheapest overdraft, with the lowest interest rate and longest period interest free.

Those who are always in the black should look towards getting a higher interest rate on their current account so their money is working as hard as possible for them.

Fraud protection

Banks offer numerous forms of protection against fraud be it from the use of security keypads to numerous passwords, or downloadable security software.

Safety is of premium importance for online banking, especially as there are constantly occurring new ways to defraud people. So you will also need to make use of the safety procedures in place to prevent fraud when you bank online.

Comparison

Finding the best online current account can be done easily using our online savings account comparison. You can use our Advanced Search to to compare online bank accounts that meet your exact requirements.

It is easy to apply for a bank account online, so if you have not already done so take the step as soon as possible and switch to one of the best online bank current accounts for your circumstances.