Compare current accounts

See if you could switch to a better current account.

Promoted
Revolut Standard logo

Get a £20 sign-up bonus

  • Spend abroad with low fees
  • Exclusive everyday benefits
  • Earn interest on savings
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For new customers only, T&C Apply.
reviews.io logo
★★★★★
1100+ customer reviews
Best for overseas spending
Current Account - Age 18 and over logo
Finder Award
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No fees overseas
No monthly-fees
100% digital sign-up
24/7 UK customer support
Promoted for cashback
Spend & Save logo
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Earn £5 cashback a month
Earn cashback as you spend
Competitive Monthly Saver
Save the Pennies feature
Best for extra features
Monzo logo
Finder Award
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No overseas fees
Easy to set up
Good for budgeting and categorising spending
Automatic saving feature
Promoted for cashback
Everyday Current Account logo
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Get cashback, vouchers & prize draws
Easy to apply
No fees for using Santander cash machines
No monthly fees

We’ve ranked this table by our 2023 customer satisfaction scores. Our customer satisfaction score is based on a survey of 2,944 customers carried out in December 2022. The survey asked respondents how satisfied they were with their current account on a scale from 1 to 5, and also whether they would recommend their banking provider to a friend. We turned the results into star ratings. Where there was a draw, we used the recommendation score (the percentage of customers who said they would recommend a brand to a friend) as a tie-breaker.

Compare current accounts

Table: sorted by promoted deals first
1 - 10 of 10
Name Product ratings Account fees Customers who’d recommend Interest (AER) Arranged overdraft Incentive Representative example Link
Finder Award
OFFER
Current Account - Age 18 and over
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£0
100%
3.24% AER
15% EAR variable
tag iconNo fees overseas plus refer a friend and earn a free National Trust day pass – redeemable at hundreds of the places it looks after.
Current account switch service guarantee badge
No fees for spending or withdrawing cash overseas - currencies are converted at Mastercard’s standard exchange rate
Representative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 15% EAR variable.
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View details
EXCLUSIVE
Revolut Standard
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£0
95%
0% AER

tag iconGet a £20 welcome bonus when you spend your first £20 (T&Cs apply).
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Monzo
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£0
98%
0% AER
39% APR representative (variable)
tag iconMonzo Instant Access Savings Pot earns you 4.10% AER interest (variable), paid monthly into the Pot you create.
Current account switch service guarantee badgeAssumed arranged overdraft of £1,200. Annual interest rate 39.00% variable. Representative 39.0% APR.
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View details
OFFER
Everyday Current Account
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£0
91%
0% AER
39.94% EAR variable
tag iconA simple and straightforward current account, with no monthly fee.
Current account switch service guarantee badgeRepresentative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 39.94% EAR variable.
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View details
Barclays Bank Account
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£0
90%
0% AER
35.0% EAR (Variable)
tag iconGet more from your everyday banking with Barclays Blue Rewards, with member deals and savings rates. (Eligibility, conditions and a £5 monthly fee apply).
Current account switch service guarantee badge

Available to UK residents 18 or over. Manage your money with the Barclays app, Online Banking and more. You must be 18 or over to access this product in the app. T&Cs apply.

Representative Example: If you use an arranged overdraft of £1,200, you will be charged 35.0% EAR (variable).

Representative APR: 35.0% (variable). Subject to application, financial circumstance and borrowing history.

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Bank Account
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£0
84%
0% AER

(Subject to status)
tag iconDiscounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC home&Away.
Current account switch service guarantee badgeRepresentative example: 0% EAR (variable) on the first £25, 39.9% EAR (variable) on anything above that, giving a representative annual percentage rate (APR) of 38.9% APR (variable). Based on an arranged overdraft of £1,200.
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Current Account
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£0
84%
0% AER
35.9% EAR variable
Current account switch service guarantee badge
Aged 16 or over, or 18 or over when requesting the optional overdraft. Subject to status and eligibility.
Representative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 35.9% EAR variable.
View details
Monese
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£0
74%
0% AER
N/A
Go to site
View details
CASHBACK
Spend & Save
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£0
77%
0% AER
39.9% EAR variable
tag iconEarn £5 cashback a month when making 20 or more debit card payments each month..
Current account switch service guarantee badgeIf you use an arranged overdraft of £1,200, you'll be charged interest at 39.9% EAR variable/APR representative.
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View details
Finder Award
OFFER
1st Account
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£0
100%
0% AER
N/A
tag iconGet access to a 7.00% AER/gross Regular Saver Account.
Current account switch service guarantee badge
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View details
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What’s a current account?

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.

How to compare current accounts

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:

  • Switching bonus and rewards. Banks are vying for customers and have lots of tasty offers to get you to join. The most popular is, unsurprisingly, a big fat lump sum of cash! Look at what switching incentives are available at the moment, or compare current accounts with ongoing rewards here.
  • Great mobile app and low fees. Banking directly from your phone will make tracking your finances easier and more fun (maybe?). Check out current accounts with great apps.
  • Overseas spending. If you travel often, you want to be able to do it without paying any fees. High-street banks tend to be quite bad at this, so if low-cost travel is important to you, you may want to consider a challenger bank like Monzo, Starling or Revolut. This article shows the best cards for travelling overseas.
  • Interest rate. Not many current accounts pay an interest rate these days, but getting one of the few that do can be a nice way of topping up your monthly balance. Plus, sometimes opening a current account with a certain bank also gives you access to promotional rates on its savings accounts – if you need one, it’s a factor worth considering. Compare high-interest current accounts here.
  • Cheap overdraft. Overdrafts make an expensive way of borrowing money, so you should avoid them if you can. However, if you know you’re going to use yours, choosing an account that prices them fairly becomes pivotal. Compare current accounts with overdrafts here.
  • Insurance benefits. In return for a monthly fee, some current accounts (the so-called “packaged” accounts) come with a whole lot of insurance benefits. It isn’t always the cheapest deal you can get, but it’s a great way of getting yourself very comprehensive cover levels for 12 months a year. Compare packaged accounts here.

Have you thought about a mobile-only bank?

Digital banks like Monzo, Starling or Revolut have stolen the headlines in fintech for the last few years. In the Finder office we’re big fans – here’s why:

  • Cool features. Digital banks are constantly evolving and adding interesting features. The whole experience feels more user-centred and it’s easier to keep an eye on your spending, make budgets and personalise the whole thing too.
  • Easy to set up. You just download the app, enter your data and confirm your identity. It usually takes less than 10 minutes.
  • No fees. This usually also applies to spending abroad.

How to switch current account

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:

  • Your balance and recurring payments are automatically transferred to your new account. This includes both direct debits and standing orders.
  • Your old account is closed. Your transaction history will not be transferred to your new account, so it’s a good idea to make sure you’ve got all your bank statements first.
  • Incoming payments to your old account will be redirected. A message with your new bank details is also automatically sent to the payer.

Depending on what your new bank is offering at the time, switching through CASS may also allow you to access switching bonuses and rewards.

Types of current accounts

Apart from standard current accounts that prioritise one feature or another, there are also dedicated types of current accounts to suit other specific needs:

  • Joint current accounts. Most current accounts can be opened together with another person (your partner, another member of your family, a friend). Just be aware that this creates a financial association between the two of you, which may potentially impact your credit score. Learn more on joint accounts here.
  • Bad credit. Most banks perform a credit check when you apply for a current account. If your credit score is less than ideal, you may still be offered an account, but you may not get an overdraft. Learn more on current accounts for people with bad credit.
  • Student accounts. If you’re a student, you can bag great perks and rewards and a fee-free overdraft with a student current account.
  • Children accounts. In order to be eligible for an adult current account, you usually need to be 16 or 18. However, children’s current accounts are available to kids as young as 11.
  • Business accounts. If you run a limited company or are a sole trader, it’s a good idea to keep your business finances separated from your personal finances. You can do this with a business current account.

Potential current account fees and costs

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:

  • Monthly fee. Most current accounts are free, but some will charge a monthly fee, especially if they offer special perks and benefits.
  • Overdraft charges. Overdrafts tend to be costly. Always check how much your bank charges before using yours.
  • Foreign transaction fee. Many debit cards charge a fee when you spend in a currency other than sterling. The foreign transaction fee often amounts to around 3% of the transaction. If you want to avoid it, you could consider having a dedicated account for when you’re travelling – digital banks like Monzo and Starling don’t charge foreign transaction fees.
  • ATM withdrawal fee. Withdrawing cash may come for a fee with some current accounts, especially if you do it overseas.
  • International money transfer fees. Sending or receiving money in a currency other than sterling is likely to be quite expensive with a standard current account. You may want to consider a money transfer service instead.
  • Cheque fees. There’s usually a pretty hefty fee for cancelling a cheque.

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Frequently asked questions

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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