Compare the best packaged bank accounts

Travel insurance, mobile insurance and breakdown cover, all included in your current account. Sounds great, but will it actually save you money?

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Valentina Cipriani
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Comparing hundreds of products for each of your financial needs can be exhausting (we should know). So the idea of getting travel insurance, device insurance and breakdown cover with your bank account, all for one simple monthly fee, certainly sounds appealing.

Packaged bank accounts with travel insurance

  • Nationwide – FlexPlus – Worldwide Family Travel Insurance
  • Virgin Money – Club M – Worldwide family multi-trip travel insurance from AIG
  • Revolut – Metal – Worldwide emergency medical and dental cover
  • Monzo – Premium – Worldwide family travel insurance provided by AXA

Packaged bank accounts with purchase protection

  • Revolut – Metal – Purchases are covered up to £10,000 for a year, whether damaged or stolen

Packaged bank accounts with cashback

  • Revolut – Metal – Earn up to 1% cashback in any currency

Packaged bank accounts with mobile phone insurance

  • Nationwide – FlexPlus – Worldwide Family Mobile Phone Insurance
  • Virgin Money – Club M – Mobile and gadget insurance from Assurant
  • Monzo – Premium – Phone insurance that covers theft, loss and accidental damage provided by Assurant

Packaged bank accounts with breakdown cover

  • Nationwide – FlexPlus – UK and European Breakdown Assistance
  • Virgin Money – Club M – UK Breakdown cover from Green Flag

Latest reviews of packaged bank accounts

Nationwide BS - FlexPlus

FlexPlus
Finder rating
★★★★★
Customer rating
★★★★★
Read review

£0

Min. opening balance

£13 per month

Account fees

0% AER

Interest (AER)

Get £200 to switch.
This packaged account from Nationwide offers a range of perks in return for a monthly fee. Account holders can benefit from worldwide family travel insurance, including winter sports, golf, weddings and business cover, plus mobile phone insurance and UK and European breakdown cover. Mobile phone cover also includes your partner’s and dependent children’s phones, while breakdown cover has no excess to pay and unlimited callouts. The Visa debit card that comes with the account does not charge transaction fees when you withdraw cash or make payments abroad. The account will also give you access to exclusive savings accounts from Nationwide, and has the option of an arranged overdraft. You can apply for the account on your own, or with a partner, a family member or a friend. Through the app, you can manage all your accounts and freeze and unfreeze your debit card.
Representative example: If you use an arranged overdraft of £1,200 you'll be charged interest at 39.9% EAR variable . Account fee of £13 per month.
  • Perks including travel insurance, mobile phone insurance and breakdown cover
  • No transaction or withdrawal fees abroad
  • Access to exclusive savings accounts
  • Arranged overdraft available
  • Monthly fee applies
  • No interest paid on credit balances
  • Interest charged on overdraft
Interest rate 0% AER
Minimum opening balance £0
Minimum operating balance £0
Switch service guarantee Yes
Account fee £13 per month
Overseas card transactions 0%
Overseas cash withdrawals 0%

Virgin Money - Club M Account - Age 18 and over

Club M Account - Age 18 and over
Finder rating
★★★★★
Customer rating
★★★★★
Read review

£0.01

Min. opening balance

£14.5 per month

Account fees

2.02% AER

Interest (AER)

Covers account holder, partner and up to 4 dependent children aged under 18.
In return for a monthly account maintenance fee, the Virgin Money Club M account offers a range of benefits. These include interest paid on credit balances and an exclusive linked savings account. Account holders can also enjoy worldwide family multi-trip travel insurance, including their own concierge service and 24-hour medical advice. Plus, the account's contactless debit card does not charge fees for foreign spending or making cash withdrawals in the UK or abroad. A range of gadgets, including mobile phones, laptops and cameras will also be insured worldwide and you’ll have UK breakdown cover for your car. You’ll also be able to arrange an overdraft and you can apply for the account online or over the phone as long as you’re aged 18 or over. In addition, the Virgin Money app can help you set up budgets, top up your savings and sort out your spending.
Representative example: If you use an arranged overdraft of £1,200 you'll be charged interest at 19.9% EAR variable . Account fee of £14.5 per month.
  • Perks such as worldwide travel insurance, gadget insurance and UK breakdown cover
  • No fees for using your card abroad
  • Interest paid on credit balances
  • Exclusive linked savings account
  • Monthly fee applies
  • Interest charged on overdraft
Interest rate 2.02% AER
Minimum opening balance £0.01
Minimum operating balance £0.01
Switch service guarantee Yes
Account fee £14.5 per month
Overseas card transactions £0
Overseas cash withdrawals £0

Monzo - Monzo Premium

Monzo Premium
Finder rating
★★★★★
Customer rating
★★★★★
Read review

£0

Min. opening balance

£15

Account fees

0% AER

Interest (AER)

In return for a monthly fee, the Monzo Premium account offers users worldwide family travel insurance, mobile phone insurance that covers theft, loss, accidental damage and cracked screens, and discounted access to more than 1,000 airport lounges worldwide. On top of this, you’ll earn interest on credit balances and be able to withdraw cash abroad for free (restrictions apply). Further benefits of the account include a round-up feature in which you can put spare change aside every time you spend and the option to track your credit score via the Monzo app. Account holders can also make the most of discounts at selected partners, including cycle insurance and home workout memberships. The app will also help users track their spending and keep on top of their finances. An arranged overdraft is available.
  • Includes perks such as travel insurance and phone insurance
  • Interest paid on credit balances
  • Discounts at selected partners
  • Fee-free withdrawals abroad
  • Monthly fee applies
  • Interest charged on overdrafts
  • App-based account
Interest rate 0% AER
Minimum opening balance £0
Account fee £15
Overseas cash withdrawals 0%

Revolut - Revolut Metal

Revolut Metal
Finder rating
★★★★★
Customer rating
★★★★★
Go to site Read review

£0

Min. opening balance

£12.99 per month

Account fees

0% AER

Interest (AER)

Get 3 months of Premium for free. For new customers only, T&Cs apply.
In exchange for a monthly fee, this account from Revolut offers a range of benefits and features. Interest is paid daily on savings, cashback and more. Account holders can also enjoy fee-free ATM withdrawals abroad (up to a set limit), three fee-free international transfers each month and cashback on spending in any of Revolut’s supported currencies. Purchase protection is also included for a year, whether your purchases are damaged or stolen, and ticketed events are also covered. The account is particularly beneficial for keen travellers, offering cashback, exclusive rates and no booking fees when you book certain accommodation across the world. You’ll also benefit from worldwide travel insurance and airport lounge access. The account offers unlimited commission-free trading for those who want to start investing, too.
  • Fee-free withdrawals abroad
  • Purchase protection
  • Discounts on holiday accommodation
  • Travel insurance and airport lounge access
  • Monthly fee applies
  • No overdraft available
  • App-based account
Interest rate 0% AER
Minimum opening balance £0
Account fee £12.99 per month
Overseas card transactions 0% Mon-Fri
Overseas cash withdrawals 0% Mon-Fri

NatWest - Reward

Reward
Finder rating
★★★★★
Customer rating
★★★★★
Go to site Read review

£0.01

Min. opening balance

£2 per month

Account fees

0% AER

Interest (AER)

Earn 4 Rewards per month by making at a minimum of 2 direct debit payments of at least £2 each.
The NatWest Reward account charges a small monthly fee. In return, you can earn from 1% in Rewards at selected retail partners, as well as £4 a month in Rewards for 2 or more direct debits on the account, plus an extra £1 a month with 1 mobile log in. Once you reach £5 in Rewards, you can redeem it as cash back, trade it up for gift cards or e-codes with NatWest’s retail partners or donate it to charity. The account also offers an arranged overdraft as well as a Round Ups feature to help you round up your spending and transfer it to a savings account.
Representative example: If you use an arranged overdraft of £1,200 you'll be charged interest at 39.49% EAR variable . Account fee of £2 per month.
  • Perks such as European travel insurance and mobile phone insurance
  • Monthly Rewards
  • Cinema tickets discount and Tastecard
  • Fee-free card purchases abroad
  • Monthly fee
  • Travel insurance restricted to Europe only
  • Interest charged on overdraft
  • Available to existing customers only
Interest rate 0% AER
Minimum opening balance £0.01
Minimum operating balance £0.01
Switch service guarantee Yes
Account fee £2 per month
Overseas card transactions 2.75%
Overseas cash withdrawals 2.75%

Royal Bank of Scotland - Reward

Reward
Finder rating
★★★★★
Customer rating
★★★★★
Go to site Read review

£0.01

Min. opening balance

£2 per month

Account fees

0% AER

Interest (AER)

Earn £9 back in Rewards per month by making at a minimum of 2 direct debit payments of at least £4.50 each.
With this account from RBS, you’ll be able to earn from 1% in Rewards at selected retail partners, as well as £4 a month in Rewards for 2 or more direct debits on the account, plus an extra £1 a month with 1 mobile log in. Once you reach £5 in Rewards, you can redeem it as cash back, trade it up for gift cards or e-codes with RBS retail partners or donate it to charity. There's a small monthly fee for the account and you’ll need to pay in a set amount each month to qualify.
Representative example: If you use an arranged overdraft of £1,200 you'll be charged interest at 39.49% EAR variable . Account fee of £2 per month.
  • Earn a range of rewards
  • Overdraft available
  • Easy application
  • Monthly fee
  • Interest charged on overdrafts
  • You’ll need to pay a set amount into an eligible personal current account each month
Interest rate 0% AER
Minimum opening balance £0.01
Minimum operating balance £0.01
Switch service guarantee Yes
Account fee £2 per month
Overseas card transactions 2.75%
Overseas cash withdrawals 2.75%

Lloyds Bank - Platinum - with Club Lloyds

Platinum - with Club Lloyds
Finder rating
★★★★★
Customer rating
★★★★★
Read review

£1

Min. opening balance

£3 per month

Account fees

0.6% AER

Interest (AER)

Get £200 when you switch.
This account from Lloyds offers a whole host of benefits such as worldwide family travel insurance, breakdown cover in the UK, plus worldwide mobile phone insurance (only one phone per account holder). Interest is also paid on credit balances, and you can choose a lifestyle benefit each year, including cinema tickets, movie rentals or an annual magazine subscription. Plus, you’ll get cashback at selected retailers. In return you will need to pay a monthly Platinum fee as well as a Club Lloyds fee. However, the Club Lloyds fee is refunded each month you pay in a set amount.
  • Worldwide family travel insurance, breakdown cover and mobile phone insurance
  • Overdraft available
  • Option to choose extra rewards to suit you
  • Monthly fee
  • Need to meet strict eligibility criteria to benefit from rewards
  • Interest charged on overdraft
Interest rate 0.6% AER
Minimum opening balance £1
Minimum operating balance £1
Switch service guarantee Yes
Account fee £3 per month (Account fee waived if account credit with at least £1500 per month). £21 per month
Overseas card transactions 2.99%
Overseas cash withdrawals 2.99%

Revolut - Revolut Premium

Revolut Premium
Finder rating
★★★★★
Customer rating
★★★★★
Go to site Read review

£0

Min. opening balance

£6.99 per month

Account fees

0% AER

Interest (AER)

Get 3 months of Premium for free. For new customers only, T&Cs apply.
Revolut Premium is a great option for keen travellers. In return for a monthly fee, you can enjoy 10% cashback when you book accommodation through the app, as well as benefit from worldwide emergency medical and dental cover, plus delayed flight and baggage insurance. You’ll also be able to spend, exchange and transfer unlimited amounts of money at great exchange rates, with no fees on weekdays, as well as withdraw up to £400 fee-free each month from ATMs abroad. On top of that, you’ll be covered for purchases up to £2,500 a year, whether they are damaged or stolen.
  • Fee-free spending in the UK and abroad
  • Purchase protection of up to £2,500 a year
  • Worldwide emergency medical and dental cover
  • Cashback paid on accommodation bookings across the world
  • Option to earn interest on Savings Vaults
  • A monthly fee applies
  • Revolut isn’t covered the the Financial Services Compensation Scheme (FSCS)
Interest rate 0% AER
Minimum opening balance £0
Account fee £6.99 per month
Overseas card transactions 0% Mon-Fri
Overseas cash withdrawals 0% Mon-Fri

The Co-operative Bank - Everyday Extra - with Everyday Rewards

Everyday Extra - with Everyday Rewards
Customer rating
★★★★★
Read review

£0

Min. opening balance

£15 per month

Account fees

0% AER

Interest (AER)

Get 3 months on us - apply for an Everyday Extra Packaged Bank Account before 27/01/23 and get 3 months of subscription fees covered by the Bank (T&Cs apply).
With the Co-op Everyday Extra account, you will be able to enjoy mobile phone insurance, worldwide family travel insurance and UK and European breakdown cover in return for a monthly fee. You’ll also be able to opt into Everyday Rewards at no extra cost, and earn up to £2.20 a month when you spend on your debit card. Rewards can be paid into your account or you can donate to charity. The account also offers an optional overdraft and can be opened on a joint or individual basis. It can be managed online or in the mobile app.
Representative example: If you use an arranged overdraft of £1,200 you'll be charged interest at 35.9% EAR variable . Account fee of £15 per month.
  • Perks such as travel insurance, breakdown cover and mobile phone insurance
  • Everyday Rewards
  • Overdraft available
  • Monthly fee
  • Interest charged on overdraft
  • No interest paid on credit balances
Interest rate 0% AER
Minimum opening balance £0
Minimum operating balance £0
Switch service guarantee Yes
Account fee £15 per month
Overseas card transactions 2.75%
Overseas cash withdrawals 2.75%

Halifax - Ultimate Reward Current Account - with Reward Extras

Ultimate Reward Current Account - with Reward Extras
Finder rating
★★★★★
Customer rating
★★★★★
Read review

£1

Min. opening balance

£17 per month

Account fees

0% AER

Interest (AER)

Free travel accident insurance – covers account holder and family.
Pay a monthly fee for the Halifax Ultimate Reward account and you’ll benefit from perks including worldwide multi-trip travel insurance, breakdown cover, mobile phone insurance and home emergency cover. In addition, you’ll receive a Rewards Extra offer each calendar month, such as movie rentals, cinema tickets, digital magazines or cash (you’ll need to meet certain conditions to qualify). Plus, you’ll be able to earn cashback at selected retailers, benefit from card cancellation cover and make use of the Save the Change feature. The account can be opened individually or jointly and comes with a contactless Visa debit card.
  • Perks including travel insurance, mobile phone insurance and breakdown cover
  • Overdraft available
  • Option to choose extra rewards to suit you
  • Access to children’s accounts
  • Monthly fee
  • Need to meet strict eligibility criteria to benefit from rewards
  • Interest charged on overdraft
Interest rate 0% AER
Minimum opening balance £1
Minimum operating balance £1
Switch service guarantee Yes
Account fee £17 per month
Overseas card transactions 2.99%
Overseas cash withdrawals 2.99%

Lloyds Bank - Club Lloyds

Club Lloyds
Finder rating
★★★★★
Customer rating
★★★★★
Read review

£1

Min. opening balance

Account fees

0.6% AER

Interest (AER)

Everyday Offers - Earn up to 15% cashback from selected retailers when shopping with a Lloyds Bank credit or debit card.
The Club Lloyds account offers a range of benefits in return for a monthly fee - however, if you pay in a set amount each month the fee is waived. You’ll be able to choose a lifestyle reward each year, such as cinema tickets, an annual magazine subscription or movie rentals, as well as earn interest on credit balances and earn cashback at selected retailers. The account also gives you access to exclusive banking offers from Lloyds, such as savings accounts and mortgages, and you’ll benefit from a Save the Change feature, helping you to round up card payments and save as you spend.
  • Interest paid on balances up to £5,000
  • Selected rewards and cashback offers
  • Preferential exchange rates
  • Exclusive banking offers available
  • Minimum payment or monthly fee applies
  • High overdraft rates
  • Highest interest rate only paid on higher balances
Interest rate 0.6% AER
Minimum opening balance £1
Minimum operating balance £1
Switch service guarantee Yes
Account fee £3 per month (Account fee waived if account credit with at least £1500 per month).
Overseas card transactions 2.99%
Overseas cash withdrawals 2.99%

Monzo - Monzo Plus

Monzo Plus
Finder rating
★★★★★
Customer rating
★★★★★
Read review

£0

Min. opening balance

£5

Account fees

0% AER

Interest (AER)

The Monzo Plus account must be managed via the app and charges a small monthly fee. In return, you’ll be able to earn interest on your balance (up to a set amount) as well as withdraw up to £400 every 30 days for free when you’re abroad. The account also offers a round ups feature, helping you save your spare change, and you’ll have access to exclusive offers to use at selected retailers. Via the app, you’ll also be able to monitor your spending and break it down into categories, as well as keep an eye on your credit score.
  • Advanced roundups feature
  • Higher limit for cash withdrawals abroad
  • One free cash deposit a month
  • Discounted retailer offers
  • Monthly fee
  • Minimum term
  • No interest on balances
Interest rate 0% AER
Minimum opening balance £0
Account fee £5
Overseas cash withdrawals 0%

What is a packaged bank account?

A packaged bank account is a current account that comes with a set of benefits and perks in return for a monthly fee.

The advantage is that you’re all sorted and don’t have to worry about purchasing insurance separately. The disadvantage is that it may not necessarily be the cheapest option. Don’t mistake packaged bank accounts with premium bank accounts. Premium bank accounts usually require you to have a certain level of income in order to apply to get extra benefits.

Which benefits can I get with a packaged bank account?

It depends on the account, but you normally get a range of insurance options plus, in some cases, some extra rewards or perks.

Current accounts with travel insurance

Travel insurance is a standard feature of packaged accounts. Whether it’s cheaper purchasing it separately mostly depends on how often you travel.

You should also consider that in some cases, the travel insurance provided by the account has an age limit, so if you’re beyond that, you won’t be covered. Finally, always let your bank know if you have any pre-existing medical conditions because they may not be covered by the policy.

Current accounts with device insurance

Most packaged accounts also have device or mobile phone insurance. Depending on the cover, this means that if your phone (or laptop if included in the policy) is lost, damaged or stolen, you’ll be able to submit a claim and get some money back.

Needless to say, whether it’s worth ensuring your device will mostly depend on how much the device itself is worth. However, also consider the economic costs that could arise if you lost important data you had on your device (which of course will not happen because you have a full backup of those someplace safe… right?).

Current accounts with breakdown cover

Another common feature of packaged current accounts, breakdown cover is highly recommended if you drive often, especially if your not-so-new car has seen better days. Knowing that if it breaks down you can call for help without it costing you a fortune can give you great peace of mind.

However, breakdown cover is also a pretty standard car insurance feature, so you should definitely check that you aren’t already paying for it anyway.

Extra rewards

Some packaged accounts also allow you to earn extra rewards or discounts. Now, those won’t be enough to justify the monthly fee on their own, but it can help you make a choice if you’re unsure.

For example, you could be able to earn cashback on your household bills or get a discount when you shop at certain retailers.

Are packaged accounts worth it?

That’s the million dollar question. There’s no universal answer, but here are a few things you should think about that can help you figure it out:

  • How much does the account cost per year? It’ll help you when it comes to comparing the account to purchasing insurance independently.
  • Will you actually use the benefits? This can be broken down into: how often do you travel? Is your phone worth insuring? Do you drive at all?
  • Are you already covered? Breakdown cover could be included in your car insurance, mobile insurance could come with home insurance if you have one, and some credit cards also offer travel insurance.
  • Which level of cover do you need? Packaged accounts tend to provide high cover levels, but in many cases you may be just fine with a less comprehensive policy.
  • How much will it cost to purchase insurance independently? The only way to find out is getting independent quotes for the insurance products you need and then compare the costs.
  • Is there a switching incentive? Banks often run switching incentives for you to close down your old account from another bank and move to a packaged bank account. It might be worth browsing the latest switching offers for packaged bank accounts.

Finally, don’t forget that your time is worth something. If purchasing insurance independently will only save you a few pounds and is a much more of a hassle, it may be worth just going for the packaged account and forgetting about it.

What to do if you think you’ve been mis-sold a packaged bank account

Banks are bound by rules that mean that they need to have checked that any products they sell you, including insurance, is suitable for you. For example, a bank cannot sell you a packaged bank account that includes insurance without first checking that you’re eligible for the cover. So you shouldn’t be in a position where you make a claim on the insurance only to find that you were never eligible for the cover in the first place, perhaps because you’re too old or have an existing long-term medical condition that would invalidate the policy.

Banks are also prohibited from forcing you to buy products in order to qualify for loan facilities, such as a mortgage or an overdraft. They are also prevented from “upgrading” your regular bank account to a premium offering, such as a packaged account, without first obtaining your consent.

You may be able to claw back any fees you’ve had to pay in order to receive the packaged bank account if you signed up for a packaged bank account based on any of the scenarios above or:

  • On the basis of information or advice that you felt was misleading.
  • The full cost was kept from you before you purchased.
  • You were the victim of pressure selling tactics by a bank employee

If you feel that you’ve been sold a packaged account in any of these circumstances, there are some things you might want to try to get some financial redress:

  • Contact your bank to reclaim your packaged bank account fees. The first thing to try is to write to your bank. Your bank’s website will usually inform you how to submit a complaint. It tends to be best to make your complaint in writing, that way there is a firm paper trail of your exchange. In your letter you should include as much information as possible to explain why you feel your packaged account was mis-sold. The bank will then have to determine whether the circumstances in which you bought the packaged account were unfair.
  • Escalate your complaint to the Financial Ombudsman Service. Banks don’t give back money easily, so sadly you may have to be prepared to fight your corner and be persistent. If your bank’s initial response to your complaint is to refuse a refund for the account fees you’ve already paid, then you should escalate your complaint to the Financial Ombudsman Service (FOS). FOS is an official body that settles disputes between financial institutions and their customers. It’s a powerful organisation because its decisions are legally binding on the firm involved in the dispute. This means that if the ombudsman finds in your favour (or “upholds” your complaint), then your bank must accept that it is liable for making amends.

    To be able to escalate your complaint to FOS you have to first obtain a document from your bank called a “letter of deadlock”, which confirms that your dispute has not been resolved. Citizens Advice has full details on how to obtain a letter of deadlock in order to bring a complaint to the Ombudsman.

Compare packaged bank accounts

Table: sorted by interest rate, promoted deals first
Updated regularly
Name Product Ratings Account fees Funding requirement Interest (AER) Arranged overdraft Switching deals benefits Representative example Link
Under 19s Account - Age 16-19
OFFER
Under 19s Account - Age 16-19
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£0
No minimum funding requirement
2.5% AER

For those aged 17 and over. Discount on AA driving lessons worth £36 and discount on Pass Plus worth £20.
Current account switch service guarantee badge
This bank account from TSB is designed for young people aged between 11 and 18. They’ll get a TSB Visa debit card to use in shops, online or at cash machines, plus free weekly balance alerts to their mobile and regular statements to help them keep track of their money. Other benefits of the account include that it pays interest on in-credit balances and offers discounts on driving lessons with the AA. Those aged between 11 and 15 must have a parent or guardian present to open the account, but over 16s can open the account themselves. The account can be managed by mobile and internet banking, but the app must be downloaded through Family Sharing or Family Link. Over 16s can use telephone banking.
View details
Club M Account - Age 18 and over
Club M Account - Age 18 and over
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£14.5 per month
No minimum funding requirement
2.02% AER
19.9% EAR variable
Free Green Flag Comprehensive Breakdown Cover including Roadside, Recovery, At Home and Onward Travel.
Current account switch service guarantee badgeRepresentative example: If you use an arranged overdraft of £1,200 you'll be charged interest at 19.9% EAR variable. Account fee of £14.5 per month.
View details
Silver - with Vantage Account
Silver - with Vantage
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£10 per month
Min. £1000 Per Month (Minimum two direct debit mandates on account per month)
0.6% AER
N/A
Free UK AA Roadside Assistance, At Home and National Recovery for account holder (theirs or other persons car). Free accident management.
Current account switch service guarantee badge Account fee of £10 per month.
View details
Silver - with Club Lloyds Account
Silver - with Club Lloyds
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£3 per month (Account fee waived if account credit with at least £1500 per month). £10 per month
No minimum funding requirement
0.6% AER
N/A
Free UK AA Roadside Assistance. AA Breakdown Family Cover
Current account switch service guarantee badge Account fee of £3 per month (Account fee waived if account credit with at least £1500 per month). £10 per month.
View details
Platinum - with Vantage Account
Platinum - with Vantage
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£21 per month
Min. £1000 Per Month (Minimum two direct debit mandates on account per month)
0.6% AER
N/A
Free UK AA Roadside Assistance, At Home and National Recovery for account holder (theirs or other persons car). Free accident management.
Current account switch service guarantee badge Account fee of £21 per month.
View details
Platinum - with Club Lloyds Account
Platinum - with Club Lloyds
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£3 per month (Account fee waived if account credit with at least £1500 per month). £21 per month
No minimum funding requirement
0.6% AER
N/A
Free UK AA Roadside Assistance, At Home and National Recovery for account holder (their or other persons car). Free accident management.
Current account switch service guarantee badge Account fee of £3 per month (Account fee waived if account credit with at least £1500 per month). £21 per month.
View details
Bank Account - with Breakdown Cover Pack
Bank Account - with Breakdown Cover Pack
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£9 per month
No minimum funding requirement
0% AER
N/A
RAC UK Roadside and At Home Breakdown cover with unlimited callouts. Cover for account holder and one other member of their household as a driver or passenger. If unable to fix issue, tow to a garage within a 10 mile radius and reimbursement of taxi fare for up to 20 mile journey. Free accident care.
Current account switch service guarantee badge Account fee of £9 per month.
View details
Platinum Account
Platinum
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£21 per month
No minimum funding requirement
0% AER
N/A
Free UK AA Roadside Assistance, At Home and National Recovery for account holder (their or other persons car). Free accident management.
Current account switch service guarantee badge Account fee of £21 per month.
View details
Premier Current Account - with Breakdown Cover Pack
Premier C/A - with Breakdown Cover Pack
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£9 per month
No minimum funding requirement
0% AER
N/A
RAC UK Roadside and At Home Breakdown cover with unlimited callouts. Cover for account holder and one other member of their household as a driver or passenger. If unable to fix issue, tow to a garage within a 10 mile radius and reimbursement of taxi fare for up to 20 mile journey. Free accident care.
Current account switch service guarantee badge Account fee of £9 per month.
View details
Ultimate Reward Current Account - with Reward Extras
Finder Award
Ultimate Reward Current Account - with Reward Extras
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£17 per month
No minimum funding requirement
0% AER
N/A
Free UK AA Roadside Assistance, At Home and Accident Management for account holder (their or other persons car).
Current account switch service guarantee badge Account fee of £17 per month.
View details
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Updated regularly
Name Product Ratings Account fees Funding requirement Interest (AER) Arranged overdraft Switching deals benefits Representative example Link
Student Bank Account
OFFER
Student Bank Account
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£0
No minimum funding requirement
0% AER

Receive £100 when opening a Student Bank Account and make a minimum of 5 transactions within 30 days of opening.
Current account switch service guarantee badge
Offer available to first year students on a qualifying course who open one HSBC Student Bank on or after 16th June 2022 and make 5 debit card transactions within the 30 days from account opening. Account subject to status. Must be UK, Channel Island, or Isle of Man resident for 3 years+ currently resident in the UK. 18+ only. Further offer and account T&Cs apply.
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123 Student Current Account
Finder Award
OFFER
123 Student Current Account
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£0
Min. £500 per term
0% AER

Free 16-25 Railcard for new customers. Valid for four years, with students saving up to one third on most rail fares. Free access to preferential rates, exclusive offers and discounts at 123 World. Sign up for Santander Boosts to receive cashback, vouchers, offers and prize draws from selected retailers. Customer must be signed up to online and mobile banking to qualify.
Current account switch service guarantee badge
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Student Current Account
Student Current Account
Not yet rated
£0
No minimum funding requirement
0.5% AER

Commission free travellers cheques and currency.
Current account switch service guarantee badge
View details
Student Account
Finder Award
Student
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£0
No minimum funding requirement
0.1% AER
39.9% EAR variable
Cashback Extras - Earn up to 15% cashback from selected retailers when shopping with a Halifax credit or debit card. Customers must be over 18, be registered for internet banking and activate the offer to be eligible.
Current account switch service guarantee badgeRepresentative example: If you use an arranged overdraft of £1,200 you'll be charged interest at 39.9% EAR variable.
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Student+ Account
Student+ Account
Not yet rated
£0
No minimum funding requirement
0% AER

No commission charges on foreign currency notes transactions.
Current account switch service guarantee badge
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Student Account
Student Account
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£0
No minimum funding requirement
0% AER
39.9% EAR variable
Everyday Offers - Earn up to 15% cashback from selected retailers when shopping with a Bank of Scotland credit or debit card. Customers must be over 18, register for internet banking and activate the offer to be eligible.
Current account switch service guarantee badgeRepresentative example: If you use an arranged overdraft of £1,200 you'll be charged interest at 39.9% EAR variable.
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Student Account
Student
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£0
No minimum funding requirement
0% AER
39.9% EAR variable
Everyday Offers - Earn up to 15% cashback from selected retailers when shopping with a Lloyds Bank credit or debit card. Customers must be over 18, be registered for internet banking and activate the offer to be eligible.
Current account switch service guarantee badgeRepresentative example: If you use an arranged overdraft of £1,200 you'll be charged interest at 39.9% EAR variable.
View details
Student Additions Account
Student Additions
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£0
No minimum funding requirement
0% AER

Eligible for Barclays Blue Rewards. Eligibility criteria applies: £5pm charge, £800pm funding, 2 monthly DDs paid out, must be registered for online or mobile banking. All customers receive a monthly loyalty reward of up to £5pm & earn cashback with Barclays Cashback partners. Mortgage customers receive an additional £3pm mortgage loyalty reward for the mortgage term. Earn 3% cashback when taking out or renewing home insurance. Unsecured personal loan customers receive an additional £1pm loan loyalty reward for the loan term. Earn £1.50pm when life insurance taken out and £5pm for life insurance with critical illness cover paid for a maximum of 12 months and only on one policy. Paid into a digital Rewards Wallet linked to a selected Barclays c/a.
Current account switch service guarantee badge
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Student Account
Student Account
Not yet rated
£0
No minimum funding requirement
0% AER

Commission free travellers cheques and currency in branch only.
Current account switch service guarantee badge
View details
Student Account
Student Account
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£0
No minimum funding requirement
0% AER

Receive £50 paid to your account within 10 days from opening a new or converting an existing account, a Tastecard, valid for 4 years giving 50% off food or 2 for 1 meals, plus offers on entertainment and shopping. Must register for mobile/internet banking and choose paperless statements within 30 days of opening. Offer valid from 16.12.22 to 30.6.23.
Current account switch service guarantee badge
To receive £80 in cash and a free tastecard you will need to apply online, register for mobile or digital banking and choose to receive paperless statements within 30 days of opening your account. Offer ends 31/10/22, T&Cs apply. Overdraft subject to approval. To apply for an overdraft (subject to approval) you need to be 18+. You can apply if you are aged 17+ and are a UK Resident.
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Updated regularly
Name Product Ratings Account fees Funding requirement Interest (AER) Arranged overdraft Gadgets benefits Representative example Link
Club M Account - Age 18 and over
Club M Account - Age 18 and over
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£14.5 per month
No minimum funding requirement
2.02% AER
19.9% EAR variable
Gadget cover included: Free worldwide cover for account holder and family. Includes gadgets against theft, accidental and malicious damage, accidental loss (limited) and electrical or mechanical breakdown up to an original retail value of £2K and under 5 years old at point of claim. Also covers accessories, involved in the incident, up to £250 per claim. 2 claims per 12 months. Excess up to £50. Free worldwide cover for mobile phones against theft, accidental and malicious damage, loss and electrical or mechanical breakdown up to £2K including VAT. One phone per account holder. Also covers accessories, involved in the incident, up to £250 per claim. Unauthorised charges cover - up to a maximum of £1,200 per claim for a contract phone or £100 for pay as you go. 2 claims per 12 months. Excess £75.
Current account switch service guarantee badgeRepresentative example: If you use an arranged overdraft of £1,200 you'll be charged interest at 19.9% EAR variable. Account fee of £14.5 per month.
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Silver - with Vantage Account
Silver - with Vantage
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£10 per month
Min. £1000 Per Month (Minimum two direct debit mandates on account per month)
0.6% AER
N/A
Gadget cover included: Free worldwide cover on mobile against theft, loss, damage, breakdown and unauthorised calls on up to 2 handsets. Mobile phone up to the max individual retail cost or value of £2K inc VAT. Cost of unauthorised calls up to a max of £1.5K inc VAT, and up to £450 inc VAT for PAYG. Accessory cover up to £250 inc VAT. Excess of £100.
Current account switch service guarantee badge Account fee of £10 per month.
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Silver - with Club Lloyds Account
Silver - with Club Lloyds
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£3 per month (Account fee waived if account credit with at least £1500 per month). £10 per month
No minimum funding requirement
0.6% AER
N/A
Gadget cover included: Free worldwide cover on mobile against theft, loss, damage, breakdown and unauthorised calls on up to 2 handsets. Mobile phone up to the max individual retail cost or value of £2K inc VAT. Cost of unauthorised calls up to a max of £1.5K inc VAT, and up to £450 inc VAT for PAYG. Accessory cover up to £250 inc VAT. Excess £100.
Current account switch service guarantee badge Account fee of £3 per month (Account fee waived if account credit with at least £1500 per month). £10 per month.
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Platinum - with Club Lloyds Account
Platinum - with Club Lloyds
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£3 per month (Account fee waived if account credit with at least £1500 per month). £21 per month
No minimum funding requirement
0.6% AER
N/A
Gadget cover included: Free worldwide cover on mobile against theft, loss, damage, breakdown and unauthorised calls on up to 2 handsets. Mobile phone up to the max individual retail cost or value of £2K inc VAT. Cost of unauthorised calls up to a max of £1.5K inc VAT, and up to £450 inc VAT for PAYG. Accessory cover up to £250 inc VAT. Excess £100.
Current account switch service guarantee badge Account fee of £3 per month (Account fee waived if account credit with at least £1500 per month). £21 per month.
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Platinum - with Vantage Account
Platinum - with Vantage
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£21 per month
Min. £1000 Per Month (Minimum two direct debit mandates on account per month)
0.6% AER
N/A
Gadget cover included: Free worldwide cover on mobile against theft, loss, damage, breakdown and unauthorised calls on up to 2 handsets. Mobile phone up to the max individual retail cost or value of £2K inc VAT. Cost of unauthorised calls up to a max of £1.5K inc VAT, and up to £450 inc VAT for PAYG. Accessory cover up to £250 inc VAT. Excess of £100.
Current account switch service guarantee badge Account fee of £21 per month.
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FlexPlus Account
FlexPlus
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£13 per month
No minimum funding requirement
0% AER
39.9% EAR variable
Gadget cover included: Free worldwide cover on mobile or smartphone against loss, theft, damage, breakdown and unauthorised calls for all family members living at the same address. Max 4 successful claims per 12 months. Mobile phone up to the max individual retail cost or value of £1.5K inc VAT. Cost of unauthorised calls up to a max of £2K inc VAT, up to £250 inc VAT PAYG. Accessory cover up to £250. Excess up to £125.
Current account switch service guarantee badgeRepresentative example: If you use an arranged overdraft of £1,200 you'll be charged interest at 39.9% EAR variable. Account fee of £13 per month.
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Bank Account - with Tech Pack
Bank Account - with Tech Pack
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£14.5 per month
No minimum funding requirement
0% AER
N/A
Gadget cover included: Free worldwide cover on gadgets against loss, theft, damage and breakdown. Gadget up to the max individual retail cost or value of £1.5K inc. VAT. Gadget must be purchased in the last 5 years, no registration required. Unlimited claims for damage or breakdown, up to 4 claims for loss and theft per 12 months. Minimum term of 6 months from purchase date. Free worldwide cover on mobile or smart phones against loss, theft, damage and breakdown on 4 handsets. Unlimited claims for damage or breakdown, up to 4 claims for loss and theft per 12 months. Mobile phone up to the max individual retail cost or value of £1.5K inc. VAT. Excess max £99. Minimum term of 6 months from purchase date.
Current account switch service guarantee badge Account fee of £14.5 per month.
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Silver Account
Silver
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£10 per month
No minimum funding requirement
0% AER
N/A
Gadget cover included: Free worldwide cover on mobile against theft, loss, damage, breakdown and unauthorised calls on up to 2 handsets. Mobile phone up to the max individual retail cost or value of £2K inc VAT. Cost of unauthorised calls up to a max of £1.5K inc VAT, and up to £450 inc VAT for PAYG. Accessory cover up to £250 inc VAT. Excess of £100.
Current account switch service guarantee badge Account fee of £10 per month.
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Premier Current Account - with Tech Pack Lite
Premier Current Account - with Tech Pack Lite
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£9 per month
No minimum funding requirement
0% AER
N/A
Gadget cover included: Free worldwide cover on gadgets including accidental damage and breakdown on 2 devices (phones and/or gadgets). Gadget up to the max individual retail cost or value of £1.5K inc. VAT. Gadget must be purchased in the last 5 years, no registration required. Up to 4 claims for damage and breakdown per 12 months. Minimum term of 6 months from purchase date. Free worldwide cover on mobile or smart phones against damage and breakdown on 2 devices (phones and/or gadgets). Up to 4 claims for damage and breakdown per 12 months. Mobile phone up to the max individual retail cost or value of £1.5K inc. VAT. Max excess £99. Minimum term of 6 months from purchase date.
Current account switch service guarantee badge Account fee of £9 per month.
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Platinum Account
Platinum
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£21 per month
No minimum funding requirement
0% AER
N/A
Gadget cover included: Free worldwide cover on mobile against theft, loss, damage, breakdown and unauthorised calls on up to 2 handsets. Mobile phone up to the max individual retail cost or value of £2K inc VAT. Cost of unauthorised calls up to a max of £1.5K inc VAT, and up to £450 inc VAT for PAYG. Accessory cover up to £250 inc VAT. Excess of £100.
Current account switch service guarantee badge Account fee of £21 per month.
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Compare up to 4 providers

Updated regularly
Name Product Account fee Bank transfers Requires credit check Accounting integrations Arranged overdraft Account management Key benefits Business bottom txt Link
Monzo Business Pro Account
Monzo Business Pro
£5 per month
Free
FreeAgent, QuickBooks, Xero
Online & app
6 months free of Xero accounting & first month of Pro subscription fee free
Go to site
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ANNA £19.90 a month Account
FREE TRIAL
ANNA £19.90 a month
£19.90 per month
(waived in first 6 months)
Free
200 free UK transfers per month
Sage, Xero
App
Free for the first 6 months. Plus earn 1% cashback for paying with your ANNA card in selected categories.
Go to site
View details
Mettle by Natwest Account
Finder Award
OFFER
Mettle by Natwest
Free
Free
FreeAgent, QuickBooks, Xero
App
Comes with a suite of free accounting software to integrate with (conditions apply)
Go to site
View details
ANNA £4.90 a month Account
FREE TRIAL
ANNA £4.90 a month
£4.90 per month
(waived in first 6 months)
Free
4 free UK transfers per month
Sage, Xero
App
Free for the first 6 months. Plus earn 1% cashback for paying with your ANNA card in selected categories.
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View details
Monzo Business Lite Account
OFFER
Monzo Business Lite
Free
Free
N/A
Online & app
Get a free business account with no monthly fees
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View details
Revolut Business Free Account
Revolut Business Free
Free
Free
FreeAgent, Xero
Online & app
No annual or monthly fee when you apply using the Finder link
Go to site
View details
Cashplus Business Bank Account
OFFER
Cashplus Business Bank Account
Free
£0.30
Free for first 3 payments sent each month (£0.30 for every transfer thereafter)
Clear Books, FreeAgent, KashFlow, QuickBooks, Sage, Xero

By invitation
Online & app
No annual or monthly fee when you apply using the Finder link
Go to site
View details
Tide Plus Account
OFFER
Tide Plus
£9.99 per month
Free
20 free per month
Clear Books, FreeAgent, KashFlow, QuickBooks, Reckon One, Sage, Xero
Online & app
Register your limited company for free (usually £12) and open a Tide account in one go: choose 'Register a company' from the Tide homepage menu. T&Cs apply.
Go to site
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ANNA Free Account
CASHBACK
ANNA Free
Free
Free
2 free UK transfers per month
Sage, Xero
App
Earn 1% cashback for paying with your ANNA card in selected categories.
Go to site
View details
Multi-Currency Business Account
Multi-Currency Business Account
Free
Free
Xero
Online & app
Get a free multi-currency business account
Go to site
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Updated regularly
Name Product Ratings Account fees Funding requirement Interest (AER) Arranged overdraft Benefits leisure and entertainment Representative example Link
Private Current Account
Private Current Account
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£25 per month
No minimum funding requirement
1.26% AER
14.9% EAR variable
Via Travel Insurer.
Current account switch service guarantee badgeRepresentative example: If you use an arranged overdraft of £1,200 you'll be charged interest at 14.9% EAR variable. Account fee of £25 per month.
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Citigold Current Account
Citigold Current
Not yet rated
£75 per month
(waived in first 3 months)
No minimum funding requirement
0% AER
£0 per charging period
Discounts available on attraction and events booking. Free personal concierge service and airport lounge access for clients who hold £650K or more across all Citibank accounts.
Representative example: If you use an arranged overdraft of £1,200 you'll be charged an arranged overdraft usage fee of £0 per charging period. Account fee of £75 per month (Fee waived for first 90 days if customer has not held a current account with Citibank previously. Fee waived if customer has an average monthly balance of £150000 (or currency equivalent) or more across current and savings account with Citibank UK Limited)..
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Premier Current Account - with Travel Plus Pack
Premier C/A - with Travel Plus Pack
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£18 per month
No minimum funding requirement
0% AER
N/A
Prime-time reservations and member-only benefits at restuarants across the UK and worldwide.
Current account switch service guarantee badge Account fee of £18 per month.
View details
Graduate Account
Graduate
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£0
No minimum funding requirement
0% AER
39.49% EAR variable
Free tastecard Membership, 2 for 1 meals, or 50% off your food bill at thousands of restaurants across the UK.
Current account switch service guarantee badgeRepresentative example: If you use an arranged overdraft of £1,200 you'll be charged interest at 39.49% EAR variable.
View details
Graduate Account
Graduate
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£0
No minimum funding requirement
0% AER
39.49% EAR variable
Free tastecard Membership, 2 for 1 meals, or 50% off your food bill at thousands of restaurants across the UK.
Current account switch service guarantee badgeRepresentative example: If you use an arranged overdraft of £1,200 you'll be charged interest at 39.49% EAR variable.
View details
Bank Account - with Travel Plus Pack
Bank Account - with Travel Plus Pack
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£18 per month
No minimum funding requirement
0% AER
N/A
Prime-time reservations and member-only benefits at restaurants across the UK and worldwide.
Current account switch service guarantee badge Account fee of £18 per month.
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Updated regularly
Name Product Ratings Account fees Funding requirement Interest (AER) Arranged overdraft Benefits travel Representative example Link
Student (12-18) - Age 12-18 Account
Student (12-18) - Age 12-18
Not yet rated
£0
No minimum funding requirement
2.52% AER

Commission free travel money.
View details