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Online current accounts

Compare our best online bank accounts

Keep track of your money with an online bank account. From app-based banking to easy online transactions, opening a bank account is simple. We help you compare some of the UK's best online banks to find the right one for you.

Find accounts you can access online
Manage your money wherever you are
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Compare online current accounts from leading providers

Our data experts check each bank before adding them to our comparisons, so you only see results from genuine operations.

royal-bank-of-scotland-regular-savings-accounts

How to compare online current accounts

1

Compare bank accounts

Use our table to find the current account with all the features you need at the lowest cost.

2

Check your eligibility

Make sure you fit the eligibility criteria for your chosen current account and get your proof of ID ready.

3

Apply for the account you want

Click "view deal" next to the offer and fill out the application form on the provider's website.

Online account deals

9 results found, sorted by lowest account fee. How we order our comparisons.

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Switch for 20K Virgin Points + cashback. T&C apply.

Virgin Money M Plus Account

Account fee & requirements

2.02% AER (on up to £1,000)

Switch to the M Plus Account and receive 20,000 Virgin Points to redeem via Virgin Red to spend on a wide range of exciting rewards, ranging from everyday treats to flights to New York. Terms apply.

Cashback on everyday spending. Terms apply. Earn interest of 2.02% AER/2.00% Gross (variable) on your current account balance up to £1,000. Also earn 1% AER/Gross (variable) on your easy access linked savings account balance up to £25,000.

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 rate	Gross rate	AER rate	AER rate
	Excluding bonus	Including bonus	Excluding bonus	Including bonus
£1	2%	2%	2.02%	2.02%
£1,001	0%	0%	0%	0%

Eligibility

Maximum Age	Unlimited
Maximum Investment	Unlimited
Minimum Age	18 years

View deal

British Bank Awards 2022 Winner: Best Current Account Provider

Starling Bank Current Account

Account fee & requirements

No monthly fee

Arranged overdraft

£8.54 buffer, then 15% EAR variable

Interest rate

0.05% AER (on up to £85,000)

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 rate	Gross rate	AER rate	AER rate
	Excluding bonus	Including bonus	Excluding bonus	Including bonus
£1	0.05%	0.05%	0.05%	0.05%
£85,001	0%	0%	0%	0%

Eligibility

Maximum Age	Unlimited
Maximum Investment	Unlimited
Minimum Age	18 years
Permanent UK Resident

View deal

Receive £150 for switching. T&Cs apply.

First Direct 1st Account

Account fee & requirements

No monthly fee

Arranged overdraft

£250 interest free, then 39.9% EAR variable

Interest rate

0% AER

To qualify, switch using the Current Account Switch Service, deposit £1000 within 3 months of account opening. New customers only that have not opened a HSBC account on or after 1 Jan 2019.

Representative Example: £250 interest and fee free overdraft, subject to 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 rate	Gross rate	AER rate	AER rate
	Excluding bonus	Including bonus	Excluding bonus	Including bonus
£1	0%	0%	0%	0%

Eligibility

Maximum Age	Unlimited
Maximum Investment	Unlimited
Minimum Age	18 years
Permanent UK Resident

View deal

NatWest Select Account

Account fee & requirements

To apply you need to be 18+ and a UK resident. No monthly fee. Over 18s only and account eligibility criteria applies.

Representative Example: If you use an arranged overdraft of £1,200 you will be charged 39.49% APR Representative/EAR variable. Subject to financial status.

Rate Tiers

	Gross rate	Gross rate	AER rate	AER rate
	Excluding bonus	Including bonus	Excluding bonus	Including bonus
£1	0%	0%	0%	0%

Eligibility

Maximum Age	Unlimited
Maximum Investment	Unlimited
Minimum Age	18 years
Permanent UK Resident

View deal

Santander Everyday Current Account

Account fee & requirements

A simple and straightforward current account, with no monthly fee.

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 rate	Gross rate	AER rate	AER rate
	Excluding bonus	Including bonus	Excluding bonus	Including bonus
£1	0%	0%	0%	0%

Eligibility

Maximum Age	Unlimited
Maximum Investment	£2,000,000
Minimum Age	18 years
Permanent UK Resident

View deal

TSB Spend & Save

Account fee & requirements

Earn up to £30 cashback - £5 per month for 6 months, making 30 debit card payments per calendar month (direct debits/withdrawals excluded)*. Saving Pots, Save the Pennies and Auto Balancer features.

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 rate	Gross rate	AER rate	AER rate
	Excluding bonus	Including bonus	Excluding bonus	Including bonus
£1	0%	0%	0%	0%

Eligibility

Maximum Age	Unlimited
Maximum Investment	Unlimited
Minimum Age	18 years
Permanent UK Resident

View deal

Royal Bank Select Account

Account fee & requirements

To apply you need to be 18+ and a UK resident. No monthly fee. Over 18s only and account eligibility criteria applies.

Representative Example: If you use an arranged overdraft of £1,200 you will be charged 39.49% APR Representative/EAR variable. Subject to financial status.

Rate Tiers

	Gross rate	Gross rate	AER rate	AER rate
	Excluding bonus	Including bonus	Excluding bonus	Including bonus
£1	0%	0%	0%	0%

Eligibility

Maximum Age	Unlimited
Maximum Investment	Unlimited
Minimum Age	18 years
Permanent UK Resident

View deal

Santander 123 Lite Current Account

Account fee & requirements

£2 per month, pay in £500+ per month

Earn interest and up to 3% cashback every month on selected Household bills paid by Direct Debit.

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 rate	Gross rate	AER rate	AER rate
	Excluding bonus	Including bonus	Excluding bonus	Including bonus
£1	0%	0%	0%	0%

Eligibility

Maximum Age	Unlimited
Maximum Investment	Unlimited
Minimum Age	18 years
Minimum Monthly Credit	£500
Permanent UK Resident

View deal

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 rate	Gross rate	AER rate	AER rate
	Excluding bonus	Including bonus	Excluding bonus	Including bonus
£1	0%	0%	0%	0%

Eligibility

Maximum Age	Unlimited
Maximum Investment	Unlimited
Minimum Age	18 years
Permanent UK Resident

View deal

Compare another type of current account

What is an online current account?

An online current account is a bank account designed for day-to-day transactions that you manage remotely via the bank's website or app. Online banking is now offered by most high street banks, but you can also get the same facilities from banks without physical branches. These are known as app-based bank accounts or digital-only bank accounts. All your bank transactions are carried out using the internet, via a smartphone app or website.

How to open a current account online

If you want to open a bank account online, it's simple and takes just a few minutes.

Visit the website of the bank of your choice and fill out the application form for the type of account you want.
Provide your personal details, such as your name, age, nationality and address, as well as supporting proof of ID.

What supporting documents are required to open an online bank account?

Supporting documents that are typically accepted include:

Proof of ID documents:

Driving licence (UK/EU/EAA)
UK passport, foreign passport & visa
EU and EEA national identity card

Proof of address documents:

Driving licence
UK utility bill (gas, electricity, water or home telephone)
Mortgage/rental agreements
Bank/building society statement
Council tax bill

Some online banks may also ask for additional details, such as your occupation, income and expenses. Though this is not legally required, many banks often use this information to provide you with offers about other products and services in the future, such as credit cards or savings accounts.

How to choose the best online bank account

When comparing online bank accounts look out for the following features:

Monthly fees

Some banks may charge a monthly fee, so you need to take this into account when calculating the cost of the services they provide.

Overdraft facilities

If you think that your balance may drop below zero, you may wish to review the overdraft facilities on offer and the charges for using them.

Earning on your balance

Some banks pay you interest on your balance up to a certain threshold amount. This may be a sweetener that makes you choose one account over another.

Additional features

Budgeting and savings tools that help you manage your finances better are increasingly popular, but you may get other features too.

Add-ons

Some packaged accounts have added bonuses, such as mobile phone insurance or breakdown cover. You should think about whether these would be useful for you.

Rewards

Some accounts offer rewards on your spending, such as cashback or discounts when you shop with certain retailers. Evaluate whether these are of value to you.

You can find out more about what you need from your bank account here. Once you have found accounts that offer these features, check what their internet banking service includes.

What are the benefits of app-based bank accounts?

These accounts also offer several unique features such as:

Spending notifications
Ring fencing savings
Free cash withdrawals overseas
Budgeting tools
Rewards/add-ons

Online bank accounts FAQs

About our current accounts comparison

Further Information

Current Accounts from the Money Advice Service
Getting a bank account by Citizens Advice
Opening a bank account by the FCA

Explore current accounts guides

See more guides

How to switch your bank account

Switching to a new current account is easier than ever and could save you hundreds of pounds. Here is how to get a new bank account in just seven days.

How to keep your bank account secure

Here is how to keep your bank account, debit card and personal details safe when you use them online or in person.

How to pay your overdraft off

If you go into your overdraft every month or have been stuck in the red for a while, there are ways to pay off your overdraft for good.

woman on sofa with credit card and laptop

Which current account should you get?

Choosing the right current account can save you money in fees, give you all the features you need or even earn you money in interest. Here is where to find the best account for your circumstances.

How to find lost bank accounts

In banks across Britain millions of pounds are sitting dormant in lost accounts, waiting to be re-claimed by their rightful owners. We take you through how you can be reunited with yours.

Current account or savings account: which is right for you?

Current accounts and savings accounts are the two main types of account on offer from banks and building societies - but what exactly is the difference between the two and which type of account is right for you?

Why compare current accounts with money.co.uk?

Comparing current accounts could save you money on overdrafts, get you cashback on bills or see you paid more interest on positive balances. Our multiple award-winning comparison service helps make sure you get the best deal possible based on your individual circumstances. Our aim is to provide you with the most up-to-date information, as well as useful tools and calculators so to help you make life's most important decisions and take control of your money.

Proud to be award winning

We have always aimed to provide the best possible services to bridge the gap between our users and our clients. Over the years, we have been thrilled to be recognised by various prestigious bodies and organisations for those efforts.

Last updated: 17 May 2022