Some bank accounts charge an annual or monthly fee you have to pay to keep the account open.

However, many accounts do not make you pay to use them. You can find every current account in the UK that comes without these fees in this comparison.

This means it can be completely free to use these accounts, but they can charge fees for services like using your overdraft, spending abroad or a failed direct debit.

Look for the best free bank account by comparing the benefits they offer.

Find the features you need

There are several ways to use and manage bank accounts, so only compare ones that come with everything you need. This can include:

  • Internet and mobile banking, which let you send payments and check statements online

  • A debit card you can use to buy things or withdraw cash

  • A nearby branch if you need to pay in cheques or cash

You can also look for accounts that offer:

An overdraft

If you choose a bank account with an overdraft, you can use it to borrow money in the short term or as an emergency buffer for unexpected costs.

This comparison shows which accounts offer an overdraft and details like:

  • Its limits and if it offers a free overdraft

  • The interest rate it charges

  • Its daily or monthly fees


Some free bank accounts pay interest when you have money in your account. If you intend to keep a large amount in your account, choosing one with a higher interest rate will make you more money.

This comparison includes details of:

  • The interest rate on each account

  • The maximum balance the account pays interest on

Check the account requirements

This comparison shows if each account has any requirements for opening them, like:

  • Paying out a minimum number of direct debits or standing orders each month

  • Paying in a minimum amount each month, e.g. your wages

If you do not meet the account's conditions, you could lose benefits like interest or even be charged a fee.

Free bank accounts FAQs


Do these accounts come with any fees?


Yes, they can charge you for several things like using your overdraft or duplicate statements. However, they come without monthly fees.


How do I switch to a free bank account?


You can use the Current Account Switch service to move to a new bank in just seven days.


Do free bank accounts offer overdrafts?


Yes, some come with an overdraft. You can check which accounts offer them, their fees and their limits in this comparison.


Do free bank accounts pay interest?


Yes, some accounts pay interest when you have a positive balance. You can check which accounts pay interest and their rates with this comparison.


Can I get a free bank account for my business?


Yes, some banks offer business current accounts that come with no annual or monthly fees, but they may charge for some transactions or services.

About our current accounts comparison


Who do we include in this comparison?


We include every personal current account that does not charge a monthly or annual fee in the UK, except for student and children's accounts. They are all 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.