Compare the best packaged bank accounts

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.

Sometimes it can also be the cheapest choice, but a lot depends on your personal circumstances; we’ve broken down all the typical features of packaged bank accounts to help you figure it out.

Latest reviews of packaged bank accounts

Nationwide BS - FlexPlus

£0

Minimum opening balance

£13 per month

Account fees

0% AER

Interest (AER)

• Why it’s great
• Pros/cons
• Details

£100 for new accounts and £125 for existing account holders when a minimum of two active Direct Debits are switched using the Current Account Switching Service within 30 days of account opening.

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

£0.01

Minimum opening balance

£14.5 per month

Account fees

2.02% AER

Interest (AER)

• Why it’s great
• Pros/cons
• Details

Apply online from the Virgin Red app or website and complete a full current account switch using the Current Account Switch Service to receive 15,000 points.

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

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£0

Minimum opening balance

£15

Account fees

0% AER

Interest (AER)

• Why it’s great
• Pros/cons
• Details

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

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£0

Minimum opening balance

£12.99 per month

Account fees

0% AER

Interest (AER)

• Why it’s great
• Pros/cons
• Details

In exchange for a monthly fee, this account from Revolut offers a range of benefits and features. Interest is paid daily on savings, cashback, low-fee crypto 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, including crypto. 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

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.

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 missold 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 missold. 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

• Breakdown cover offers
• Student account offers
• Gadget cover offers
• Business banking offers
• Leisure and entertainment offers
• Travel offers

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Name	Product	Ratings	Account fees	Funding requirement	Interest (AER)	Arranged overdraft	Switching deals benefits	Representative example	Link
OFFER Under 19s Account - Age 16-19 Under 19s Account - Age 16-19	OFFER	Finder score ★★★★★ ★★★★★ User survey ★★★★★ ★★★★★	£0	No minimum funding requirement	2.5% AER	N/A	For those aged 17 and over. Discount on AA driving lessons worth £36 and discount on Pass Plus worth £20.	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		loading Fetching your data...
Club M Account - Age 18 and over Club M Account - Age 18 and over		Not yet rated	£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.	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.	View details		loading Fetching your data...
Platinum - with Vantage Account Platinum - with Vantage Account		Not yet rated	£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.	Account fee of £21 per month.	View details		loading Fetching your data...
Platinum - with Club Lloyds Account Platinum - with Club Lloyds Account		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.	Account fee of £3 per month (Account fee waived if account credit with at least £1500 per month). £21 per month.	View details		loading Fetching your data...
Premier Current Account - with Travel Pack Premier Current Account - with Travel Pack		Finder score ★★★★★ ★★★★★ User survey ★★★★★ ★★★★★	£12.5 per month	No minimum funding requirement	0% AER	N/A	Free RAC Comprehensive Breakdown Cover including Roadside, Recovery, At Home, Onward Travel and European Breakdown Cover.	Account fee of £12.5 per month.	View details		loading Fetching your data...
Bank Account - with Travel Pack Bank Account - with Travel Pack		Finder score ★★★★★ ★★★★★ User survey ★★★★★ ★★★★★	£12.5 per month	No minimum funding requirement	0% AER	N/A	Free RAC Comprehensive Breakdown Cover including Roadside, Recovery, At Home, Onward Travel and European Breakdown Cover.	Account fee of £12.5 per month.	View details		loading Fetching your data...
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	Free comprehensive UK and European RAC cover including Roadside Recovery, At Home & Onward Travel in the UK and breakdown cover in Europe.	Account fee of £18 per month.	View details		loading Fetching your data...
FlexPlus Account FlexPlus Account		Finder score ★★★★★ ★★★★★ User survey ★★★★★ ★★★★★	£13 per month	No minimum funding requirement	0% AER	39.9% EAR variable	Free UK and European breakdown cover including home assist, roadside & onward travel. Cover for account holders registered vehicle and any vehicle the account holder is travelling in. No Excess. No call out limit.	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.	View details		loading Fetching your data...
Platinum Account Platinum Account		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.	Account fee of £21 per month.	View details		loading Fetching your data...
Platinum Account Platinum Account		Not yet rated	£21 per month	No minimum funding requirement	0% AER	N/A	Free UK AA Roadside Assistance, At Home and National Recovery for account holder (theirs or other persons car). Free accident management.	Account fee of £21 per month.	View details		loading Fetching your data...
Everyday Extra - without Everyday Rewards Account Everyday Extra - without Everyday Rewards Account		Not yet rated	£15 per month	No minimum funding requirement	0% AER	35.9% EAR variable	Free breakdown cover. Covers assistance at the roadside, at home and in Europe. The account holder is covered for any vehicle they are travelling in. Exclusions and limitations apply.	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.	View details		loading Fetching your data...
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.	Account fee of £9 per month.	View details		loading Fetching your data...
Premier Current Account - with Travel Plus Pack Premier Current Account - with Travel Plus Pack		Finder score ★★★★★ ★★★★★ User survey ★★★★★ ★★★★★	£18 per month	No minimum funding requirement	0% AER	N/A	Free comprehensive UK and European RAC cover including Roadside Recovery, At Home & Onward Travel in the UK and breakdown cover in Europe.	Account fee of £18 per month.	View details		loading Fetching your data...
Premier Current Account - with Breakdown Cover Pack Premier Current 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.	Account fee of £9 per month.	View details		loading Fetching your data...
Everyday Extra - with Everyday Rewards Account Everyday Extra - with Everyday Rewards Account		Not yet rated	£15 per month	Min. £800 Per Month (Minimum four direct debit mandates on account per month)	0% AER	35.9% EAR variable	Free breakdown cover. Covers assistance at the roadside, at home and in Europe. The account holder is covered for any vehicle they are travelling in. Exclusions and limitations apply.	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.	View details		loading Fetching your data...
Ultimate Reward Current Account - with Reward Extras offer a Ultimate Reward Current Account - with Reward Extras offer a		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).	Account fee of £17 per month.	View details		loading Fetching your data...

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Name	Product	Ratings	Account fees	Funding requirement	Interest (AER)	Arranged overdraft	Switching deals benefits	Representative example	Link
OFFER 123 Student Current Account 123 Student Current Account	OFFER	Finder score ★★★★★ ★★★★★ User survey ★★★★★ ★★★★★	£0	Min. £500 per term	0% AER	N/A	Free 16-25 Railcard for new customers. Valid for four years, with students saving up to one third on most rail fares. Eligible for Retailer Offers, customers must use online or mobile banking to qualify. Earn up to 15% cashback from selected retailers when using a Santander debit card or credit card. Eligible for welcome benefits through Retailer Offers. Earn up to 20% cashback at participating retailers. Students have 30 days to activate and redeem their offer once account opened. Free access to preferential rates, exclusive offers and discounts at 123 World.		Go to site View details		loading Fetching your data...
Student Current Account Student Current Account		Not yet rated	£0	No minimum funding requirement	0.5% AER	N/A	Commission free travellers cheques and currency.		View details		loading Fetching your data...
Student Account Student Account		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.	Representative example: If you use an arranged overdraft of £1,200 you'll be charged interest at 39.9% EAR variable.	View details		loading Fetching your data...
Student Account Student Account		Not yet rated	£0	No minimum funding requirement	0% AER	N/A	Eligible for Ulster Bank Rewards in partnership with Visa. Receive cashback rewards when using a registered debit card at selected Northern Ireland retailers. Cashback is paid directly into the account of the registered card used for the qualifying purchase usually within 5 working days. Commission free travellers cheques and currency in branch only.		View details		loading Fetching your data...
Student Account Student Account		Finder score ★★★★★ ★★★★★ User survey ★★★★★ ★★★★★	£0	No minimum funding requirement	0% AER	N/A	£50 cash reward and Tastecard, valid for 4 years giving 50% off food or 2 for 1 meals, plus offers on entertainment and shopping. Must register for internet banking and choose paperless statements within 30 days of opening.		View details		loading Fetching your data...
Student Account Student Account		Not yet rated	£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.	Representative example: If you use an arranged overdraft of £1,200 you'll be charged interest at 39.9% EAR variable.	View details		loading Fetching your data...
Student+ Account Student+ Account		Not yet rated	£0	No minimum funding requirement	0% AER	N/A	Eligible for AIB Rewards in partnership with Visa. Receive cashback rewards when spending on your Visa card at selected retailers. Cashback is paid into the registered debit card account used for the qualifying purchase within 5 working days. No commission charges on foreign currency notes transactions.		View details		loading Fetching your data...
Student Additions Account Student Additions Account		Finder score ★★★★★ ★★★★★ User survey ★★★★★ ★★★★★	£0	No minimum funding requirement	0% AER	N/A	Eligible for Barclays Blue Rewards. Eligibility criteria applies: £4pm 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 £7pm (£3.50 for first 2 DDs) & earn cashback with Barclays Cashback partners. Mortgage customers receive an additional £5pm 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. Free personalised debit card. You can upload own pictures or choose from extensive online gallery.		View details		loading Fetching your data...
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 Lloyds Bank credit or debit card. Customers must be over 18, be registered for internet banking and activate the offer to be eligible.	Representative example: If you use an arranged overdraft of £1,200 you'll be charged interest at 39.9% EAR variable.	View details		loading Fetching your data...
Student Account Student Account		Finder score ★★★★★ ★★★★★ User survey ★★★★★ ★★★★★	£0	No minimum funding requirement	0% AER	N/A	£50 cash reward and Tastecard, valid for 4 years giving 50% off food or 2 for 1 meals, plus offers on entertainment and shopping. Must register for internet banking and choose paperless statements within 30 days of opening.		View details		loading Fetching your data...

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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		Not yet rated	£14.5 per month	No minimum funding requirement	2.02% AER	19.9% EAR variable	Gadget cover included: Yes - 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. Yes - 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.	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.	View details		loading Fetching your data...
Platinum - with Club Lloyds Account Platinum - with Club Lloyds Account		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.	Account fee of £3 per month (Account fee waived if account credit with at least £1500 per month). £21 per month.	View details		loading Fetching your data...
Platinum - with Vantage Account Platinum - with Vantage Account		Not yet rated	£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.	Account fee of £21 per month.	View details		loading Fetching your data...
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 including tablets, laptops, camcorders, cameras, MP3 players 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. Accessory cover up to £250. Excess £75. 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.	Account fee of £14.5 per month.	View details		loading Fetching your data...
Everyday Extra - without Everyday Rewards Account Everyday Extra - without Everyday Rewards Account		Not yet rated	£15 per month	No minimum funding requirement	0% AER	35.9% EAR variable	Gadget cover included: Covers loss, theft, accidental damage, water damage and electrical or mechanical breakdown, anywhere in the world. £75 excess. Exclusions and limitations apply.	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.	View details		loading Fetching your data...
Premier Current Account - with Tech Pack Premier Current 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 including tablets, laptops, camcorders, cameras, MP3 players 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. Accessory cover up to £250. Max excess £99. 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. Max excess £99. Minimum term of 6 months from purchase date.	Account fee of £14.5 per month.	View details		loading Fetching your data...
Ultimate Reward Current Account - with Reward Extras offer a Ultimate Reward Current Account - with Reward Extras offer a		Finder score ★★★★★ ★★★★★ User survey ★★★★★ ★★★★★	£17 per month	No minimum funding requirement	0% AER	N/A	Gadget cover included: Free worldwide cover on mobile or smartphone against loss, theft and accidental damage, breakdown and unauthorised calls on 1 handset. Max 2 successful claims per 12 months. Mobile phone up to the max individual retail cost or value of £2K inc VAT. Excess of £100. Unauthorised calls up to £1.5K, pre-paid £500 including VAT. Accessory cover up to £250.	Account fee of £17 per month.	View details		loading Fetching your data...
Platinum Account Platinum Account		Not yet rated	£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.	Account fee of £21 per month.	View details		loading Fetching your data...
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 tablets, laptops, camcorders, cameras, MP3 players against 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. Accessory cover up to £250. Max excess £99. 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.	Account fee of £9 per month.	View details		loading Fetching your data...
Bank Account - with Tech Pack Lite Bank 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 tablets, laptops, camcorders, cameras, MP3 players against 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. Accessory cover up to £250. Max excess £99. 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.	Account fee of £9 per month.	View details		loading Fetching your data...
Platinum Account Platinum Account		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.	Account fee of £21 per month.	View details		loading Fetching your data...
Everyday Extra - with Everyday Rewards Account Everyday Extra - with Everyday Rewards Account		Not yet rated	£15 per month	Min. £800 Per Month (Minimum four direct debit mandates on account per month)	0% AER	35.9% EAR variable	Gadget cover included: Covers loss, theft, accidental damage, water damage and electrical or mechanical breakdown, anywhere in the world. £75 excess. Exclusions and limitations apply.	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.	View details		loading Fetching your data...
FlexPlus Account FlexPlus Account		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.	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.	View details		loading Fetching your data...

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Name	Product	Account fee	Bank transfers	Interest (AER)	Accounting integrations	Arranged overdraft	Account management	Key benefits	Link
FREE TRIAL ANNA £9.90 a month Account ANNA £9.90 a month Account	FREE TRIAL	£9.90 per month (waived in first 6 months)	Free 35 free UK transfers per month	0% AER	FreeAgent, QuickBooks, 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		loading Fetching your data...
FREE TRIAL ANNA £19.90 a month Account ANNA £19.90 a month Account	FREE TRIAL	£19.90 per month (waived in first 6 months)	Free 200 free UK transfers per month	0% AER	FreeAgent, QuickBooks, 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		loading Fetching your data...
OFFER Business Current Account Business Current Account Finder Award	OFFER	Free	Free	0% AER	FreeAgent, QuickBooks, Xero		Online, app & phone	Add the new Business Toolkit onto your free Starling account, and get the first month free of charge (RRP £7pcm)	Go to site View details		loading Fetching your data...
CASHBACK Tide Cashback Account Tide Cashback Account	CASHBACK	£49.99 per month	Free 150 free per month	0% AER	Clear Books, FreeAgent, KashFlow, QuickBooks, Reckon One, Sage, Xero		Online & app	Get 0.5% cashback with your Tide card. Plus 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.	Go to site View details		loading Fetching your data...
OFFER Small Business Account Small Business Account	OFFER	£12.50 per month (waived in first 3 months)	From £0.30	0% AER	N/A		Online, app & phone	No monthly account fee for the first three months	Go to site View details		loading Fetching your data...
FREE TRIAL Business Directplus - Credit balance £1K or more Account Business Directplus - Credit balance £1K or more Account	FREE TRIAL	£7 per month (waived in first 30 months)	Free for first 30 months then 35p	0% AER	N/A	Up to £250,000 subject to eligibility and application	Branch, online & phone	Free 30 months everyday business banking for new customers maintaining a balance of £1,000+. Monthly limits for cash and cheque transactions. Other charges apply. Subject to status, eligibility and T&Cs.	Go to site View details		loading Fetching your data...
CASHBACK ANNA Free Account ANNA Free Account	CASHBACK	Free	Free 2 free UK transfers per month	0% AER	FreeAgent, QuickBooks, Xero		App	Earn 1% cashback for paying with your ANNA card in selected categories.	Go to site View details		loading Fetching your data...
OFFER Mettle by Natwest Account Mettle by Natwest Account	OFFER	Free	Free	0% AER	FreeAgent, QuickBooks, Xero		App	Comes with a suite of free accounting software to integrate with (conditions apply)	Go to site View details		loading Fetching your data...
OFFER Cashplus Business Bank Account Cashplus Business Bank Account	OFFER	Free	£0.30 Free for first 3 payments sent each month (£0.30 for every transfer thereafter)	0% AER	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		loading Fetching your data...
OFFER Tide Plus Account Tide Plus Account	OFFER	£9.99 per month	Free 20 free per month	0% AER	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	Go to site View details		loading Fetching your data...
OFFER Tide Free Account Tide Free Account	OFFER	Free	£0.20 Free if both accounts are with Tide	0% AER	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	Go to site View details		loading Fetching your data...
FREE TRIAL ANNA £4.90 a month Account ANNA £4.90 a month Account	FREE TRIAL	£4.90 per month (waived in first 6 months)	Free 4 free UK transfers per month	0% AER	FreeAgent, QuickBooks, 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		loading Fetching your data...

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Name	Product	Ratings	Account fees	Funding requirement	Interest (AER)	Arranged overdraft	Benefits leisure and entertainment	Representative example	Link
Citigold Current Account Citigold Current Account		Not yet rated	£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 International plc).	No minimum funding requirement	0% AER	£0 per charging period	Discounts available on attraction and events booking. Free personal concierge service 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 International plc)..	View details		loading Fetching your data...
Graduate Account Graduate Account		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.	Representative example: If you use an arranged overdraft of £1,200 you'll be charged interest at 39.49% EAR variable.	View details		loading Fetching your data...
Graduate Account Graduate Account		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.	Representative example: If you use an arranged overdraft of £1,200 you'll be charged interest at 39.49% EAR variable.	View details		loading Fetching your data...

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Name	Product	Ratings	Account fees	Funding requirement	Interest (AER)	Arranged overdraft	Benefits travel	Representative example	Link
Club M Account - Age 18 and over Club M Account - Age 18 and over		Not yet rated	£14.5 per month	No minimum funding requirement	2.02% AER	19.9% EAR variable	Yes - Travel cover included: Covers account holder, partner and up to 4 dependent children aged under 18. Max cover age 74 years old. Available on trips up to 31 days. Includes winter sports (limit 17 days), golf and wedding cover, can be upgraded to include business cover for an additional premium. Provides cancellation, delay, baggage and natural catastrophe travel cancellation and expenses cover. Talking Nurses - a telephone based service also available.	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.	View details		loading Fetching your data...
Platinum - with Vantage Account Platinum - with Vantage Account		Not yet rated	£21 per month	Min. £1000 Per Month (Minimum two direct debit mandates on account per month)	0.6% AER	N/A	Travel cover included: Covers account holder, partner and dependent children up to 18 years old. Max cover age 79 years old. Available on trips up to 31 days. Includes winter sports (up to 31 days pa). Includes cancellation, delay and baggage cover.	Account fee of £21 per month.	View details		loading Fetching your data...
Platinum - with Club Lloyds Account Platinum - with Club Lloyds Account		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	Travel cover included: Covers account holder, partner and dependent children up to 18 years old. Max cover age 79 years old. Available on trips up to 31 days. Includes winter sports (up to 31 days pa). Includes cancellation, delay and baggage cover.	Account fee of £3 per month (Account fee waived if account credit with at least £1500 per month). £21 per month.	View details		loading Fetching your data...
Student Current Account Student Current Account		Not yet rated	£0	No minimum funding requirement	0.5% AER	N/A	Commission free travellers cheques and currency.		View details		loading Fetching your data...
Student (12-18) - Age 12-18 Account Student (12-18) - Age 12-18 Account		Not yet rated	£0	No minimum funding requirement	0.35% AER	N/A	Commission free travel money.		View details		loading Fetching your data...
Private Current Account Private Current Account		Finder score ★★★★★ ★★★★★ User survey ★★★★★ ★★★★★	£4 per month	No minimum funding requirement	0.3% AER	N/A	Foreign exchange fee as well as cash handling fee will be waived if a Santander branded cash machine is used in selected countries.	Account fee of £4 per month.	View details		loading Fetching your data...
Select Current Account Select Current Account		Finder score ★★★★★ ★★★★★ User survey ★★★★★ ★★★★★	£4 per month	No minimum funding requirement	0.3% AER	N/A	Foreign exchange fee as well as cash handling fee will be waived if a Santander branded cash machine is used in selected countries.	Account fee of £4 per month.	View details		loading Fetching your data...
Current Account Tracker Current Account Tracker		Not yet rated	£25 per month	No minimum funding requirement	0.2% AER	14.9% EAR variable	Eligible for B Traveller, receive six free visits to airport lounges worldwide and discounts at selected airport restaurants. Additional visits can be booked via the app at a discounted rate.	Representative 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.	View details		loading Fetching your data...
Current Account Tracker Current Account Tracker		Not yet rated	£25 per month	No minimum funding requirement	0.2% AER	14.9% EAR variable	Eligible for B Traveller, receive six free visits to airport lounges worldwide and discounts at selected airport restaurants. Additional visits can be booked via the app at a discounted rate.	Representative 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.	View details		loading Fetching your data...
Private Current Account Private Current Account		Not yet rated	£25 per month	No minimum funding requirement	0.2% AER	14.9% EAR variable	Eligible for B Traveller, receive six free visits to airport lounges worldwide and discounts at selected airport restaurants. Additional visits can be booked via the app at a discounted rate. Free worldwide family multi-trip travel insurance. The multi-trip travel insurance policy provides up to 31 days cover per trip and there's no annual limit on the number of times travel can be made. It includes up to 17 days winter sports, business and golf cover. The account holder and partner are covered, provided they live together and are under 75 years old, plus up to four dependant children under the age of 18. Includes cancellation, travel delay and lost/delayed baggage.	Representative 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.	View details		loading Fetching your data...
Private Current Account Private Current Account		Not yet rated	£25 per month	No minimum funding requirement	0.2% AER	14.9% EAR variable	Eligible for B Traveller, receive six free visits to airport lounges worldwide and discounts at selected airport restaurants. Additional visits can be booked via the app at a discounted rate. Free worldwide family multi-trip travel insurance. The multi-trip travel insurance policy provides up to 31 days cover per trip and there's no annual limit on the number of times travel can be made. It includes up to 17 days winter sports, business and golf cover. The account holder and partner are covered, provided they live together and are under 75 years old, plus up to four dependant children under the age of 18. Includes cancellation, travel delay and lost/delayed baggage.	Representative 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.	View details		loading Fetching your data...
Voyage Account Voyage Account		Not yet rated	£500 per annum.	No minimum funding requirement	0.1% AER	£0 per charging period	Free access to Priority PassTM airport lounges for account holder and a guest. Eligible for Visa Luxury Hotel Collection providing exclusively negotiated benefits including upgrades (when available), complimentary breakfasts, free wi-fi and late check-outs. Free AXA worldwide travel ins including winter sports business golf wedding ATM theft/assault & rental car collision damage waiver for a/c holders, his/her spouse or legal partner, children, step or foster children aged 19 or under, or aged 19 to 21 in full time education. Grandchildren covered when travelling with the cardholder. Age limits apply to selected covers. Covers cancellation, curtailment or abandonment up to £8K, delayed departure max £400 & baggage max £10K. Covers trips up to 90 consect days.	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 £500 per annum..	View details		loading Fetching your data...
Danske Freedom Account Danske Freedom Account		Not yet rated	£0	No minimum funding requirement	0% AER	0% EAR variable	Commission free currency.	Representative example: If you use an arranged overdraft of £1,200 you'll be charged interest at 0% EAR variable.	View details		loading Fetching your data...
Personal Current Account Personal Current Account		Not yet rated	£50 per quarter (Fee waived if account balance £5000+).	No minimum funding requirement	0% AER	EAR variable per charging periodN/A	Travel cover included: Covers account holder and family up to €10m. Includes sports, gold and wedding cover (max age 65 apples to some benefits). Also includes luggage, cancellation and delay cover.	Representative example: If you use an arranged overdraft of £1,200 you'll be charged interest at EAR variable an arranged overdraft usage fee of per charging period. Account fee of £50 per quarter (Fee waived if account balance £5000+)..	View details		loading Fetching your data...
Premier Bank Account Premier Bank Account		Finder score ★★★★★ ★★★★★ User survey ★★★★★ ★★★★★	£0	No minimum funding requirement	0% AER	Interest-free buffer of £500, N/A	Free overseas ATM cash withdrawals when using HSBC ATMs worldwide. Travel cover included: Covers account holder and family. Max cover age 69 years old. Available trips up to 31 days (183 days pa). Includes winter sports cover (limit 31 days). Includes baggage, delay and cancellation cover.		View details		loading Fetching your data...
Citigold Current Account Citigold Current Account		Not yet rated	£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 International plc).	No minimum funding requirement	0% AER	£0 per charging period	Complimentary breakfast with selected hotels. Discounts on a range of hotels and room upgrade packages. Discounts available on holiday packages. Travel cover included: Covers account holder and family. Max cover age 79 years old. Available on trips up to 30 days (max 90 pa). Includes winter sports cover. Includes baggage, cancellation and delay cover.	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 International plc)..	View details		loading Fetching your data...
Graduate Account Graduate Account		Not yet rated	£0	No minimum funding requirement	0% AER	N/A	No commission charges on foreign currency notes transactions.		View details		loading Fetching your data...
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	Free airport lounge access via barclays.dragonpasstraveller.com. 6 free visits per membership year for account holder and guests, 1 free visit is used per person. Alternatively visits can be used to enjoy selected spa or nail bar treatments. Members are able to claim discounts at participating airport restaurants. Discounted car parking at selected airports of up to 20% off standard prices and discounted airport hotel packages of up to 18% off. Via Airport Parking & Hotels. Travel cover included: Covers each account holder and his/her domestic partner on trips anywhere in the world. Children under 18 years of age (under 23 years of age if still in full time education and living at home outside of term time) travelling with the account holder or his/her domestic partner will also be covered. Max cover age 79 years old. Available on trips up to 31 days. Includes winter sports cover (up to 31 days pa). Includes luggage and cancellation cover.	Account fee of £18 per month.	View details		loading Fetching your data...
FlexPlus Account FlexPlus Account		Finder score ★★★★★ ★★★★★ User survey ★★★★★ ★★★★★	£13 per month	No minimum funding requirement	0% AER	39.9% EAR variable	Travel cover included: Covers account holder and family (also when travelling independently). Maximum cover age 69 years old. Available on trips up to 31 days. Includes winter sports, golf, wedding and business trips. Includes baggage, cancellation and delayed departure covers. Optional upgrades available.	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.	View details		loading Fetching your data...
Premier Current Account - with Travel Plus Pack Premier Current Account - with Travel Plus Pack		Finder score ★★★★★ ★★★★★ User survey ★★★★★ ★★★★★	£18 per month	No minimum funding requirement	0% AER	N/A	Free airport lounge access via barclays.dragonpasstraveller.com. 6 free visits per membership year for account holder and guests, 1 free visit is used per person. Alternatively visits can be used to enjoy selected spa or nail bar treatments. Members are able to claim discounts at participating airport restaurants. Discounted car parking at selected airports of up to 20% off standard prices and discounted airport hotel packages of up to 18% off. Via Airport Parking & Hotels. Travel cover included: Covers each account holder and his/her domestic partner on trips anywhere in the world. Children under 18 years of age (under 23 years of age if still in full time education and living at home outside of term time) travelling with the account holder or his/her domestic partner will also be covered. Max cover age 79 years old. Available on trips up to 31 days. Includes winter sports cover (up to 31 days pa). Includes luggage, delay and cancellation cover.	Account fee of £18 per month.	View details		loading Fetching your data...

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Pros and cons of packaged bank accounts

The bottom line

The idea of getting insurance and other perks alongside your bank account for a monthly fee can certainly be an attractive proposition.

The key is to work out whether the benefit you may get from the various features of a packaged account are worth the monthly or annual fees that you’ll need to pay to maintain your account. How much value you’ll be able to get from these types of accounts will depend on your personal circumstances. For example, if you travel a fair amount each year for work or leisure, getting a packaged account with a decent level of travel insurance cover may be great value.

If you’re interested in signing up to a particular packaged account, check if you’d be able to get the account’s benefits more cheaply if bought esparately. For example, device insurance can be bought for as little £4-5 per month. If this is the main account feature you’re interested in, you may find it cheaper elsewhere.

At the end of the day, packaged accounts can offer great value if you’re relatively sure that you’ll be able to take full advantage of all the features they offer, but always do your research.

Frequently asked questions

• Can I open a joint packaged account?

  Yes. It’s a good way of boosting your account benefits because the insurance provided will normally cover both account holders for the same fee.

• Can I get an overdraft?

  Packaged accounts work just like regular current accounts, so as long as you pass the credit checks you can usually get an overdraft quite easily.

• Can I claim back my packaged bank account fees?

  Packaged accounts have often been mis-sold in the past. If, for example, you’ve been paying the monthly fee even though you were unable to claim the benefits (say, because you’re over the age limit of the insurance policy provided), you may be able to claim the fee back. Try filing a complaint with your bank first; if it isn’t resolved in your favour, you can take it to the Financial Ombudsman Service.