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A current account is a bank account that gives you instant access to your money and that you can use for your day-to-day financial life. It allows you to receive your salary, pay your bills, make purchases, send and receive payments and so on. It will come with an account number, a sort code, a debit card and some kind of Internet banking or mobile app facility to manage it.
While the basic functionalities are always the same, different current accounts from different banks will come with a range of different features to suit different needs.
The best current account for a young professional who’s just moved out from their parents’ house will not be the same as the best current account for a CEO, so you’ll need to figure out which features are important for you. You should consider the following:
If you’ve had your current account for years, the idea of switching may sound daunting – many people stick with bad deals just to avoid the hassle. However, the process is in truth quite simple thanks to the Current Account Switch Service (CASS).
Any banks signed up to CASS will switch over your account for you in seven working days. You don’t need to do anything except pick out your new current account and decide on a switch date. Here’s how it works:
Depending on what your new bank is offering at the time, switching through CASS may also allow you to access switching bonuses and rewards.
Apart from standard current accounts that prioritise one feature or another, there are also dedicated types of current accounts to suit other specific needs:
When picking a new current account, you should always make sure you’re aware of all the potential costs. Here are some of the fees you may come across:
If you’ve fallen victim to debit card fraud, you may be eligible to receive a refund.
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