Compare our best current accounts
See if you could switch to a better current account by comparing features, fees and interest rates from our panel of current account deals available right now.
- Compare current accounts from trusted banks
- Use the Current Account Switch Service
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12 results found, sorted by Most popular. How we order our comparisons.
£175 Welcome switching bonus
first direct 1st current account
Account fee & requirements
No monthly fee
Arranged overdraft
£250interest free, then39.9%EAR variable
Interest rate
0%AER
Joint account available
Yes
Complete a full switch using the Current Account Switch Service, including at least 2 Direct Debits or standing orders. Then deposit £1,000, make 5+ debit card payments, and log on to digital banking, all within 45 days of your account opening.
New customers only, who haven’t previously held a first direct product, or opened an HSBC current account on or after January 2018. T&Cs apply. Overdraft subject to status.
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%. How does this overdraft compare? Representative APRs help you compare the cost of different credit products.
More Information
Rate Tiers
| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £1.00 | 0% | 0% | 0% | 0% |
Eligibility
| Maximum Age | Unlimited |
| Maximum Investment | Unlimited |
| Minimum Age | 18 years |
| Permanent UK Resident |
Santander Everyday Current Account
Account fee & requirements
No monthly fee
Arranged overdraft
39.94%EAR variable
Interest rate
0%AER
Joint account available
Yes
Access to Santander Regular Saver. 8.00% AER/Gross (variable), including a 5% AER/Gross (variable) bonus for the first 12 months. Save up to £200 per month, payable from a Santander current account. T&Cs and eligibility criteria apply. Rate may be withdrawn.
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. How does this overdraft compare? Representative APRs help you compare the cost of different credit products.
More Information
Rate Tiers
| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £1.00 | 0% | 0% | 0% | 0% |
Eligibility
| Maximum Age | Unlimited |
| Maximum Investment | £2,000,000 |
| Minimum Age | 18 years |
£200 offer when you switch to NatWest. T&Cs apply.
NatWest Select Account
Account fee & requirements
No monthly fee
Arranged overdraft
39.49%EAR variable
Interest rate
0%AER
Joint account available
Yes
For £200, open a Select account and switch using the Current Account Switch Service. Pay in £1250 & log into the app within 60 days. You must not have held a current account on 06/05/26 or previously received an offer from NW Group. T&Cs & account criteria apply. May be withdrawn at any time.
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. How does this overdraft compare? Representative APRs help you compare the cost of different credit products.
More Information
Rate Tiers
| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £1.00 | 0% | 0% | 0% | 0% |
Eligibility
| Maximum Age | Unlimited |
| Maximum Investment | Unlimited |
| Minimum Age | 18 years |
| Permanent UK Resident |
Get £200 when you switch in the app*
Barclays Bank Account
Account fee & requirements
No monthly fee
Arranged overdraft
35%EAR variable
Interest rate
0%AER
Joint account available
Yes
*To be eligible, (1) use the Barclays app to open a sole Barclays Bank Account (eligibility criteria apply), (2) initiate a full switch (including two active direct debits) by 27th August 2026, (3) complete the switch & (4) deposit £2,000, all within 30 days. T&Cs apply. New customers, 18+ & UK residents only.
Representative example: Assumed arranged overdraft of £1,200: 35.0% EAR (variable), 35.0% APR Representative (variable). Subject to application, financial circumstances and borrowing history. How does this overdraft compare? Representative APRs help you compare the cost of different credit products.
More Information
Rate Tiers
| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £1.00 | 0% | 0% | 0% | 0% |
Eligibility
| Maximum Age | Unlimited |
| Maximum Investment | Unlimited |
| Minimum Age | 18 years |
| Permanent UK Resident |
Santander Edge® Up current account
Account fee & requirements
£5per month, pay in£1,500+per month
Arranged overdraft
39.94%EAR variable
Interest rate
2.1%AER (on up to £25,000)
Joint account available
Yes
Access to Santander Regular Saver. 8.00% AER/Gross (variable), including a 5% AER/Gross (variable) bonus for the first 12 months. Save up to £200 per month, payable from a Santander current account. T&Cs and eligibility criteria apply. Rate may be withdrawn.
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. How does this overdraft compare? Representative APRs help you compare the cost of different credit products.
More Information
Rate Tiers
| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £1.00 | 2.08% | 2.08% | 2.1% | 2.1% |
| £25,001.00 | 0% | 0% | 0% | 0% |
Eligibility
| Maximum Age | Unlimited |
| Maximum Investment | Unlimited |
| Minimum Age | 18 years |
| Minimum Monthly Credit | £1,500 |
Which? Recommended Provider 2025
Starling Current Account
Account fee & requirements
No monthly fee
Arranged overdraft
15%EAR variable
Interest rate
0%AER
Joint account available
Yes
Representative example: If you use an arranged overdraft of £1,200 you will be charged 15% APR Representative/EAR variable. Subject to financial status. How does this overdraft compare? Representative APRs help you compare the cost of different credit products.
More Information
Rate Tiers
| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £1.00 | 0% | 0% | 0% | 0% |
Eligibility
| Maximum Age | Unlimited |
| Maximum Investment | Unlimited |
| Minimum Age | 18 years |
£200 offer when you switch to NatWest. T&Cs apply.
NatWest Reward
Account fee & requirements
£2per month, pay in£1,250+per month
Arranged overdraft
39.49%EAR variable
Interest rate
0%AER
Joint account available
Yes
For £200, open a Reward account and switch using the Current Account Switch Service. Pay in £1250 & log into the app within 60 days. You must not have held a current account on 06/05/26 or previously received an offer from NW Group. T&Cs & account criteria apply. May be withdrawn at any time.
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. How does this overdraft compare? Representative APRs help you compare the cost of different credit products.
More Information
Rate Tiers
| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £1.00 | 0% | 0% | 0% | 0% |
Eligibility
| Maximum Age | Unlimited |
| Maximum Investment | Unlimited |
| Minimum Age | 18 years |
| Minimum Monthly Credit | £1,250 |
| Permanent UK Resident |
Santander Edge® current account
Account fee & requirements
£3per month, pay in£500+per month
Arranged overdraft
39.94%EAR variable
Interest rate
0%AER
Joint account available
Yes
Access to Santander Regular Saver. 8.00% AER/Gross (variable), including a 5% AER/Gross (variable) bonus for the first 12 months. Save up to £200 per month, payable from a Santander current account. T&Cs and eligibility criteria apply.
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. How does this overdraft compare? Representative APRs help you compare the cost of different credit products.
More Information
Rate Tiers
| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £1.00 | 0% | 0% | 0% | 0% |
Eligibility
| Maximum Age | Unlimited |
| Maximum Investment | Unlimited |
| Minimum Age | 18 years |
| Minimum Monthly Credit | £500 |
| Permanent UK Resident |
Earn cashback and get protection and perks for you and your family
Santander Edge® Explorer current account
Account fee & requirements
£17per month
Arranged overdraft
39.94%EAR variable
Interest rate
0%AER
Joint account available
Yes
Claim a £150 hotel voucher when you open a Santander Edge Explorer current account. Voucher not available to existing Edge Explorer current account customers. Offers can be withdrawn at any time. T&Cs/eligibility apply.
Once you're 75 years old, you are no longer eligible for the travel insurance benefits. If you have other insurance, you won't be able to make the same claim twice. You can only have 1 Santander Edge® Explorer current account.
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. How does this overdraft compare? Representative APRs help you compare the cost of different credit products.
More Information
Rate Tiers
| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £1.00 | 0% | 0% | 0% | 0% |
Eligibility
| Maximum Age | 73 years |
| Maximum Investment | Unlimited |
| Minimum Age | 18 years |
3% AER with Instant Access Savings. Get £20 when you sign up to Revolut! T&Cs apply
Revolut Standard
Account fee & requirements
No monthly fee
Arranged overdraft
-
Interest rate
0%AER
Joint account available
Yes
Access to savings account with 3% AER (variable), paid daily; exchange 35+ currencies with no extra fees up to £1000/mo; easy bill splitting; instant and free money transfers; get salary paid a work day early. Trusted by 65M+ people worldwide.
Interest earned is liable to the applicable taxes. Instant Access Savings T&Cs apply. Currency exchange in 35+ currencies with Revolut exchange rate. Fees and T&Cs apply. Early salary for UK customers receiving BACS payments only.
More Information
Rate Tiers
| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £1.00 | 0% | 0% | 0% | 0% |
Eligibility
| Maximum Age | Unlimited |
| Maximum Investment | Unlimited |
| Minimum Age | 16 years |
Monzo Current Account
Account fee & requirements
No monthly fee
Arranged overdraft
39%EAR variable
Interest rate
0%AER
Joint account available
Yes
Instant Access Savings Pots 2.75% (variable). No minimum deposit & maximum deposit £500k. You must have a Monzo account to get an Instant Access Savings Pot. T&Cs apply. Interest Paid Monthly. Spend abroad with no fees.
We pass Mastercard’s exchange rate directly onto you with no extra charges.
Representative example: If you use an arranged overdraft of £1,200 you will be charged 39% APR Representative/EAR variable. Subject to financial status. How does this overdraft compare? Representative APRs help you compare the cost of different credit products.
More Information
Rate Tiers
| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £1.00 | 0% | 0% | 0% | 0% |
Eligibility
| Maximum Age | Unlimited |
| Maximum Investment | Unlimited |
| Minimum Age | 18 years |
| Permanent UK Resident |
3% AER with Instant Access Savings. Get £20 when you sign up to Revolut! T&Cs apply
Revolut Plus
Account fee & requirements
£3.99per month
Arranged overdraft
-
Interest rate
0%AER
Joint account available
Yes
Access to savings account with up to 3% AER (variable), paid daily; priority support; exchange 35+ currencies with no extra fees up to £3000/mo; get your salary paid a work day early; easy bill splitting. Trusted by 65M+ people worldwide.
Interest earned is liable to the applicable taxes. Instant Access Savings T&Cs apply. Currency exchange in 35+ currencies with Revolut exchange rate. Fees and T&Cs apply. Early salary for UK customers receiving BACS payments only.
More Information
Rate Tiers
| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £1.00 | 0% | 0% | 0% | 0% |
Eligibility
| Maximum Age | Unlimited |
| Maximum Investment | Unlimited |
| Minimum Contract Term | 12 months |
| Minimum Age | 18 years |
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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.