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10 results found, sorted by lowest account fee. How we order our comparisons.
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British Bank Awards: Best British Bank 2021 Winner
Starling Bank Current Account
Account fee & requirements
No monthly fee
Arranged overdraft
15% EAR variable
Interest rate
0.05% AER (on up to £85,000)
Fee-free spending abroad for card payments & ATM withdrawals from Starling, withdraw up to £300 per day. Save easily for the things you want with Goals and settle IOUs with Settle Up.
The overdraft EAR you receive will be dependent on your credit score.
Representative Example: If you use an arranged overdraft of £1,200 you will be charged 15% APR Representative/EAR variable. Subject to financial status.
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£10.05%0.05%0.05%0.05%
£85,0010%0%0%0%
Eligibility
Maximum AgeUnlimited
Maximum InvestmentUnlimited
Minimum Age18 years
Permanent UK Resident
Switch to Santander and receive £130. T&Cs apply.
Santander Everyday Current Account
Account fee & requirements
No monthly fee
Arranged overdraft
39.94% EAR variable
Interest rate
0% AER
£130 cashback when you complete a full switch to a Santander Everyday Current Account within 60 days, set up 2 Direct Debits, pay in £1,000 and log into Online or Mobile Banking. T&Cs apply.
You’re over 18 and live in the UK permanently.
Representative Example: If you use an arranged overdraft of £1,200 you will be charged 39.94% APR Representative/EAR variable. Subject to financial status.
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£10%0%0%0%
Eligibility
Maximum AgeUnlimited
Maximum Investment£2,000,000
Minimum Age18 years
Permanent UK Resident
Virgin Money M Plus Account
Account fee & requirements
No monthly fee
Arranged overdraft
19.9% EAR variable
Interest rate
2.02% AER (on up to £1,000)
Earn interest of 2.02% on your current account. Set up Savings Pot for your savings goals and move money from your current account to your savings.
Representative Example: If you use an arranged overdraft of £1,200 you will be charged 19.9% APR Representative/EAR variable. Subject to financial status.
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£12%2%2.02%2.02%
£1,0010%0%0%0%
Eligibility
Maximum AgeUnlimited
Maximum InvestmentUnlimited
Minimum Age18 years
First Direct 1st Account
Account fee & requirements
No monthly fee
Arranged overdraft
£250 interest free, then 39.9% EAR variable
Interest rate
0% AER
Representative Example: £250 interest and fee free overdraft, subject to financial status. If you then use an arranged overdraft of £1,200 you will be charged 39.9% EAR variable. Representative APR: 30.5%.
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£10%0%0%0%
Eligibility
Maximum AgeUnlimited
Maximum InvestmentUnlimited
Minimum Age18 years
Permanent UK Resident
Barclays Bank Account
Account fee & requirements
No monthly fee
Arranged overdraft
£15 buffer, then 35% EAR variable
Interest rate
0% AER
A bank account with a contactless debit card. Track your spending and manage your accounts and payments easily using the Barclays app.
You need to be 18 or over to access this product or service using the app. T&Cs apply. Subject to financial status.
Representative Example: If you use an arranged overdraft of £1,200 you will be charged 35% APR Representative/EAR variable. Subject to financial status.
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£10%0%0%0%
Eligibility
Maximum AgeUnlimited
Maximum InvestmentUnlimited
Minimum Age18 years
Permanent UK Resident
TSB Spend & Save
Account fee & requirements
No monthly fee
Arranged overdraft
39.9% EAR variable
Interest rate
0% AER
Earn up to £30 cashback: £5 per month for 6 months, with 30 debit card payments per calendar month on opening a new Spend & Save account or changing an existing TSB account, other than from a Classic.
UK residents only, 18+.
Representative Example: If you use an arranged overdraft of £1,200 you will be charged 39.9% APR Representative/EAR variable. Subject to financial status.
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£10%0%0%0%
Eligibility
Maximum AgeUnlimited
Maximum InvestmentUnlimited
Minimum Age18 years
Permanent UK Resident
Switch to Santander and receive £130. T&Cs apply.
Santander 123 Lite Current Account
Account fee & requirements
£2 per month, pay in £500+ per month
Arranged overdraft
39.94% EAR variable
Interest rate
0% AER
£130 cashback when you complete a full switch to a Santander 123 Lite Current Account within 60 days, set up 2 Direct Debits, pay in £1,000 and log into Online or Mobile Banking. T&Cs apply.
You’re over 18 and live in the UK permanently.
Representative Example: If you use an arranged overdraft of £1,200 you will be charged 39.94% APR Representative/EAR variable. Subject to financial status.
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£10%0%0%0%
Eligibility
Maximum AgeUnlimited
Maximum InvestmentUnlimited
Minimum Age18 years
Minimum Monthly Credit£500
Permanent UK Resident
TSB Spend & Save Plus
Account fee & requirements
£3 per month
Arranged overdraft
£100 interest free, then 39.9% EAR variable
Interest rate
0% AER
Earn up to £60 cashback annually: £5 per month, ongoing with 30 debit card payments per calendar month on opening a new Spend & Save Plus account or changing an existing TSB account. Interest-free overdraft up to £100.
UK residents only, 18+.
Representative Example: £100 interest and fee free overdraft, subject to financial status. If you then use an arranged overdraft of £1,200 you will be charged 39.9% EAR variable. Representative APR: 40.1%.
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£10%0%0%0%
Eligibility
Maximum AgeUnlimited
Maximum InvestmentUnlimited
Minimum Age18 years
Permanent UK Resident
Switch to Santander and receive £130. T&Cs apply.
Santander 123 Current Account
Account fee & requirements
£4 per month, pay in £500+ per month
Arranged overdraft
39.94% EAR variable
Interest rate
0.3% AER (on up to £20,000)
£130 cashback when you complete a full switch to a Santander 123 Current Account within 60 days, set up 2 Direct Debits, pay in £1,000 and log into Online or Mobile Banking. T&Cs apply.
You’re over 18 and live in the UK permanently.
Representative Example: If you use an arranged overdraft of £1,200 you will be charged 39.94% APR Representative/EAR variable. Subject to financial status.
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£10.3%0.3%0.3%0.3%
£20,0010%0%0%0%
Eligibility
Maximum AgeUnlimited
Maximum InvestmentUnlimited
Minimum Age18 years
Minimum Monthly Credit£500
Permanent UK Resident
Eligibility: £75K income p.a. or, £100K saved/invested
Barclays Premier Current Account + Avios Rewards
Account fee & requirements
£12 per month
Arranged overdraft
£500 interest free, then 35% EAR variable
Interest rate
0% AER
Join in Barclays Avios Rewards, for £12 a month. You’ll receive 25,000 Avios if you’re opening your first account with Barclays and complete a full switch using the Current Account Switcher Service within three months. Eligibility and conditions apply.
Representative Example: £500 interest and fee free overdraft, subject to financial status. If you then use an arranged overdraft of £1,200 you will be charged 35% EAR variable. Representative APR: 19.5%.
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£10%0%0%0%
Eligibility
Maximum AgeUnlimited
Maximum InvestmentUnlimited
Minimum Age18 years
Minimum Income£75,000
Permanent UK Resident

Compare another type of current account

We are classed as a credit broker for consumer credit, not a lender.

We are classed as a credit broker for consumer credit, not a lender. Our services are provided at no cost to you. We may receive a commission from the companies we refer you to, but this does not affect what you will pay for the product you choose.

What is a current account?

A current account lets you carry out your everyday banking transactions. Whether it's having your salary deposited and withdrawing cash, or making payments, setting up direct debits and standing orders, your current account is what makes all of that possible.

Different types of current accounts

  • Basic current account: the account offers only the standard features of a current account. No overdrafts, no interest is paid on your balance, and no monthly fee.

  • Packaged current account: the account includes extra benefits such as travel insurance, breakdown cover, mobile phone insurance, as well as discounts on certain retailers or restaurant along with the usual features of a current account. In most cases you'll be charged a fee for these accounts.

  • High interest current account: Interest will be paid on your balance based on AER. Often these accounts require you to deposit a set amount of money every month and usually limit the amount up to which they will pay interest on your balance.

  • Joint accounts: This is a current account that you open jointly with partner, family member or friend, so that all holders of the account can withdraw money or pay into the account. This is useful if you share bills and want to have a single account from which you manage those shared bills.

How to apply for a current account

Applying for a current account is simple. You just have to provide the documents to prove your identity and address. Here are the most common documents you'll need to provide:

  • Proof of identity: a passport or driving licence.

  • Proof of address: council tax bill, utility bill, a bank statement, tenancy agreement, though mobile phone statement is generally not accepted.

  • Proof of Immigration status: If you are not a UK citizen, you may also be required to show your visa status and a letter from your university or employer.

You can apply for a current account online, in a branch, by phone or by post. You can also switch current accounts by closing your existing account and opening a new current account in one go. Some deals even give you a cash reward for doing this.

Use the Current Account Switch Service

Most banks subscribe to what is called the Current Account Switch Service (CASS). This free service makes it easy for anyone with a UK current account to switch to a new one. It means they take care of the whole process of switching banks for you. This includes:

  • opening a new current account

  • moving your balance

  • switching direct debits and standing orders

  • closing your old current account

The Current Account Switch Guarantee means that if anything goes wrong, you'll be refunded any interest and charges on both accounts.

Switching current accounts couldn't be easier. Here's a list of banks and building societies on the Current Account Switch Service.

What features might different current accounts have?

  • Overdrafts: These let you borrow money using your current account. Your balance is then negative until you pay it back. Compare current accounts that offer overdrafts.

  • Interest: The best current account pay you monthly or yearly interest on your balance. But you'll only earn interest when you have money in your account. Compare current accounts that pay interest.

  • Rewards: It offers rewards, like cashback, when you use your debit card or pay your bills from your current account. Compare current accounts that pay rewards.

  • Add-ons: Optional extras such as breakdown cover or travel insurance.

Find the best current accounts for your needs

Sometimes, the best current account for you might be specifically designed for your situation. Here are some of the types of current accounts that you might like to consider:

Featurebasic current account Joint current account business current account
Ideal for everyday needs without credit check partner, housemate or family member sole traders, companies, charities
Overdraft Not included Arranged Not included
InterestsNoUp to 3% AER No
Monthly fee NoNoYes
ATM withdrawal per day Up to £300 up to £300 up to £500
Online & Mobile banking Yes Yes Yes
More information Compare basic current accountCompare joint current accountCompare business current account

Find the best current accounts for teenage or students

If you're a student, or under 18 year olds, you can still get a current account. You'll be able to pay money in, make payments by card in person or online, and set up automatic payments for bills.

Featurestudent current account under 18 current account
Ideal for studentteenage or young child
Overdraft ArrangedNot included
Interests Up to 3% AER Up to 3% AER
Monthly fee NoNo
ATM withdrawal per day IncludedNot included
Online & Mobile banking Up to £300 Up to £100
More information Compare student current accountCompare under 18 current account

Current account FAQs

Can I have more than one current account?

Yes, although many banks only let you hold one current account with them. Too many accounts could also harm your credit record.

What happens if I spend more than I have in my account?

That means that you are overdrawn. You will owe money on your overdraft until you pay it back, and you may be charged a fee. If your account does not have an overdraft facility, the payment will not go through.

Should I get a savings or current account?

If you need to pay bills and make card payments, you usually need a current account. If you want to earn interest, here is how to decide which is best.

What type of debit card will I get with my current account?

Most current accounts come with a MasterCard, Visa or American Express debit card, but some prepaid accounts come with a prepaid card instead.

Could I get an account with no fees?

Yes, some current accounts come with no monthly fees or minimum deposit, but they may still charge for other things like using an overdraft.

About our current accounts comparison

Who do we include in this comparison?

Our comparison tables include providers we have commercial arrangements with. The number of listings in our tables can vary depending on the terms of those arrangements, as well as other market developments. They are all from lenders regulated by the Financial Conduct Authority (FCA). Here is more information about How our website works.

How do we make money from our comparison?

We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.

You do not pay any extra and the deal you get is not affected.

Last updated: 2 August, 2021