Bank accounts

Not all banks are born equal. Uncover the best accounts for you plus smart ways to make the most of your money.


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What bank account should I choose?

Before you answer this question, you should ask “what do I need from my bank account?”

  • Are you looking to put a bit of money away each month?
  • Do you want to put some money away and restrict access to it?
  • Are you after rewards or hoping to maximise interest?

Work out what you need before comparing the options.

4 key bank account features to compare

Sifting through small print can take forever. For those of you with better things to do, have put together tables, lists and guides which allow you to make the right decision quickly. Here are a few of the main things to look out for when comparing bank accounts:

1. Interest rates

  • This one is important. Getting the highest interest rate will mean your money will work harder for you.

2. Small fees (preferably none)

  • Most banks nowadays don’t charge a monthly fee for maintaining accounts. But you should check. If you’re currently paying a monthly fee, then you need to assess whether the account is worth it.
  • This also applies to penalty fees. If you think you’re likely to end up in your overdraft, then pick an account which will allow that. Don’t end up stuck in account which penalises you every time you dip into the overdraft.

3. Access to your cash

  • This depends on your preferences and personal savings goals. While many savings account allow you almost instant access, some require that you plan ahead and give advance notice of withdrawals.

4. Rewards

  • Some accounts offer rewards and benefits in the form of shopping vouchers, exclusive rates or products. If this sounds up your street then take a look at the accounts which offer these sort of extras.

Who are the ‘big four’ banks in the UK?


Barclays is a multinational banking and financial services based in London. It is a universal bank with operations in retail, wholesale and investment banking – as well as wealth management, mortgage lending and credit cards. Barclays has operations in more than 50 countries and territories with around 48 million customers.


HSBC is another multinational banking and financial services company also headquartered in London. It is the world’s sixth largest bank by total assets and the largest in Europe.

Lloyds Banking Group

Lloyds Bank is a retail and commercial bank with branches across England and Wales. The bank was founded in Birmingham in 1765. It expanded during the nineteenth and twentieth centuries and took over a number of smaller banking companies.

The Royal Bank of Scotland Group

Royal Bank of Scotland (RBS), is one of the retail banking subsidiaries of The Royal Bank of Scotland Group plc, together with NatWest and Ulster Bank. The Royal Bank of Scotland has around 700 branches, mainly in Scotland though there are branches in many larger towns and cities throughout England and Wales.

Digital banking trends in 2019: Finder UK talks to N26, Money Dashboard, Starling and Revolut

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Just some of the financial institutions we compare

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6 Responses

  1. Default Gravatar
    AshleyDecember 22, 2018

    Which bank should I switch to for Brexit?

    • Avatarfinder Customer Care
      JoshuaDecember 23, 2018Staff

      Hi Ashley,

      Thanks for getting in touch with finder. I hope all is well with you. :)

      As a comparison website, we are not permitted to provide specific recommendations or personalised advice. However, what I can advise is for you to find a bank that best fits your needs, preference, and budget. On this page, we have provided some guides and tips for you to remember when finding a new bank. Please review them before making a decision.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


  2. Default Gravatar
    DavidNovember 10, 2018

    I am moving back to UK from USA in late Jauary 2019.
    I am a British Citizen born in UK and wish to open a checking & debit card a/c to have my US & UK pension transferred to. How best to arrange this?

    • Avatarfinder Customer Care
      JoshuaNovember 22, 2018Staff

      Hi David,

      Thanks for getting in touch with finder. I hope all is well with you. :)

      Yes, it is possible that you are able to transfer your money from the US to UK. However, you would need to directly get in touch with your chosen bank to know the exact step on how to do it.

      Moreover, please note that regularly doing a bank to bank money transfer can be costly. You may want to consider other faster and cheaper options here.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


  3. Default Gravatar
    CustomerMarch 21, 2018

    hello. yea so i want to open a new bank account and i dont know which i should chose i want to save money but again to pay small fees and get some bonus % of my saving money and i want to use my card for shopping online or to take something from like vodafone or to take or to take loan and pay monthly which bank is the best and has good reputation and i will not loose my money> Thank you

    • Avatarfinder Customer Care
      MayMarch 22, 2018Staff

      Hi Customer,

      Thanks for your inquiry.

      Depending on the type of savings account you need, you can compare your options on this page. These savings accounts are offered by reputable banks and let you earn standard and bonus interest rates. Whenever you need to access your account for whatever purpose or reason, you can also withdraw your funds anytime. Please review the details and T&Cs of the accounts first before you consider it’s the right product for you.

      Hope this helps.


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