Compare current accounts

See if you could switch to a better current account or banking app.

Promoted for switching bonus

Get £175 for switching

Requires credit check. T&Cs apply.

No monthly fee
Easy to apply
Interest-free overdraft up to £250

Promoted for welcome bonus

Go to site

£20 sign-up bonus

Low overseas fees
Quick sign-up
Earn cashback on spending

Best for extra features

Go to site

No overseas fees

Easy to set up
Good for budgeting and categorising spending
Automatic saving feature

How to compare current accounts

The best current account for a recent school-leaver in their first job probably won’t be the best for a jet-setting high-flyer, so think about which features are the most important to you. Here’s our checklist:

1. Check the ways you can bank. Do you need an extensive branch network that you can visit in person, or are you happy to manage all of your finances online or through an app? If your bank doesn’t have branches, how good is its customer support?
2. Check the bells and whistles. Some accounts just offer the basic features – fine if you just need your salary paid in and bills paid out. But perhaps you’re looking for a slick app, spending categorisation, budgeting tools, a flexible overdraft, etc.
3. Check the fees and costs. With free current accounts (all major banks offer these), there can still be charges for certain types of transaction, like using your card overseas. Need an overdraft? Confirm what interest you’ll pay.
4. Check if a “packaged” account would be better value. Some accounts charge a monthly fee in return for bundled benefits like phone/travel insurance or breakdown cover – great if the value of the perks outweighs the extra cost to you.
5. Is there a joining or switching incentive? Banks are vying for customers so they often have tasty offers to get you to sign up. The most popular incentive is (unsurprisingly) a cash lump sum.

How to switch

Had your account for years? Switching may seem daunting, and people stick with bad deals just to avoid hassle. But the process is in truth quite simple thanks to the Current Account Switch Service (CASS). Banks signed up to CASS switch your account for you in 7 working days, and you don’t need to do anything. Here’s how it works:

1. Your balance is transferred to your newly-opened account.
2. Incoming payments to your old account are redirected, along with outgoing direct debits, standing orders, etc.
3. Your old account is closed.

Compare current accounts

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20 of 22 results

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Finder Score	Account fees	Funding requirement	Interest (AER)	Arranged overdraft	Incentive	Representative example
Promoted Finder score 9Excellent Monzo Max Finder AwardCashback	Finder score 9Excellent	£17 per month	No minimum funding requirement	0% AER	39% EAR variable	Worldwide Travel and Phone Insurance + UK and Europe RAC Breakdown Cover	Monzo Max is £17 per month, for a minimum 3 months. 18-69 only. T&Cs apply. You must have a Monzo Current Account to sign up to Monzo Max. Travel insurance provided by Zurich, powered by Qover. Phone insurance provided by Assurant. Breakdown cover provided by RAC. Representative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 39% EAR variable. Account fee of £17 per month.	Go to site More info Compare product selection Compare	loading	Copy provider filter✓
Promoted Finder score 9.3Excellent TSB Spend & Save Finder Award	Finder score 9.3Excellent	£0	No minimum funding requirement	0% AER	39.9% EAR variable	Earn up to £30 cashback - £5 per month for 6 months, making 20 debit card payments per calendar month (excludes cash withdrawals).	18+ and UK residents only. Other T&Cs apply. Representative example: Assumed arranged overdraft of £1,200. Annual interest rate 39.9% APR representative (variable). How does this overdraft compare? Representative Annual Percentage Rates (APRs) help you compare the cost of using your overdraft.	Go to site More info Compare product selection Compare	loading	Copy provider filter✓
Finder score 9Excellent NatWest Select Account	Finder score 9Excellent	£0	No minimum funding requirement	0% AER	39.49% EAR variable (subject to status)	You must be 18+ and a UK resident. Representative Example: Effective Annual Rate: 39.49% EAR (variable). Representative APR: 39.49% APR (variable). Assumed credit limit: £1,200 Subject to status. How does this overdraft compare? Representative APRs help you compare the cost of different credit products.	More info Compare product selection Compare	loading	Copy provider filter✓
Finder score 8.8Great NatWest Reward Cashback	Finder score 8.8Great	£2 per month	£1250 per month	0% AER	39.49% EAR variable (subject to status)	You must be 18+ and a UK resident. Earn up to £5/month in Rewards (£4 with 2x +£2 direct debits set up, £1 for monthly app log in) and from 1% in Rewards when you spend with selected partners.	Representative Example: Effective Annual Rate: 39.49% EAR (variable). Representative APR: 39.49% APR (variable). Assumed credit limit: £1,200 Subject to status. How does this overdraft compare? Representative APRs help you compare the cost of different credit products.	More info Compare product selection Compare	loading	Copy provider filter✓
Finder score 8.8Great Royal Bank of Scotland Reward Cashback	Finder score 8.8Great	£2 per month	£1250 per month	0% AER	39.49% EAR variable (subject to status)	You must be 18+ and a UK resident. Earn up to £5/month in Rewards (£4 with 2x +£2 direct debits set up, £1 for monthly app log in) and from 1% in Rewards when you spend with selected partners.	Representative Example: Effective Annual Rate: 39.49% EAR (variable). Representative APR: 39.49% APR (variable). Assumed credit limit: £1,200 Subject to status. How does this overdraft compare? Representative APRs help you compare the cost of different credit products.	More info Compare product selection Compare	loading	Copy provider filter✓
Finder score 8.7Great Royal Bank of Scotland Premier Select Account	Finder score 8.7Great	£0	No minimum funding requirement	0% AER	0% EAR variable on the first £500 and then 34.49% EAR variable	Representative Example: Effective Annual Rate: 39.49% EAR (variable). Representative APR: 39.49% APR (variable). Assumed credit limit: £1,200 Subject to status. How does this overdraft compare? Representative APRs help you compare the cost of different credit products.	More info Compare product selection Compare	loading	Copy provider filter✓
Finder score 7.9Great Nationwide Building Society FlexPlus	Finder score 7.9Great	£18 per month	No minimum funding requirement	0% AER	0% EAR variable on the first £50 and then 39.9% EAR variable	Free travel accident insurance – covers account holder and family (also when travelling independently).	Representative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 0% EAR variable on the first £50 and then 39.9% EAR variable. Account fee of £18 per month.	More info Compare product selection Compare	loading	Copy provider filter✓
Finder score Not yet rated Lloyds Bank Club Lloyds Cashback	Finder score Not yet rated	£0	£2000 per month	1.5% AER	0% EAR variable on the first £100 and then 29.9% EAR variable	Representative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 0% EAR variable on the first £100 and then 29.9% EAR variable.	More info Compare product selection Compare	loading	Copy provider filter✓
Finder score 9.1Excellent Nationwide Building Society FlexDirect	Finder score 9.1Excellent	£0	No minimum funding requirement	0% AER	0% EAR variable on the first £50 and then 39.9% EAR variable	Earn 1% cashback on debit card spend, capped at £5 per month	Representative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 0% EAR variable on the first £50 and then 39.9% EAR variable.	More info Compare product selection Compare	loading	Copy provider filter✓
Finder score 8.6Great Nationwide Building Society FlexAccount	Finder score 8.6Great	£0	No minimum funding requirement	0% AER	0% EAR variable on the first £50 and then 39.9% EAR variable	Eligible for Member Credit Card.	Representative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 0% EAR variable on the first £50 and then 39.9% EAR variable.	More info Compare product selection Compare	loading	Copy provider filter✓
Finder score Not yet rated HyperJar Prepaid Card	Finder score Not yet rated	£0	No minimum funding requirement	0% AER	N/A	More info Compare product selection Compare	loading	Copy provider filter✓
Finder score 8.5Great Santander Everyday Current Account Cashback	Finder score 8.5Great	£0	No minimum funding requirement	0% AER	39.94% EAR variable	Earn £200 cash when you switch to an Everyday Current Account. To receive the £200, complete a full switch, set up 2 active household Direct Debits and pay in £1,500 within 60 days. Switch incentive available when you use Current Account Switch Service. Offer can be withdrawn at any time. T&Cs and eligibility apply.	Representative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 39.94% EAR variable.	Go to site More info Compare product selection Compare	loading	Copy provider filter✓
Finder score 9.8Excellent Santander Edge Cashback	Finder score 9.8Excellent	£3 per month	£500 per month	0% AER	39.94% EAR variable	Earn £200 cash when you switch to a Santander Edge current account. To receive the £200, complete a full switch, set up 2 active household Direct Debits and pay in £1,500 within 60 days. Switch incentive available when you use Current Account Switch Service. Offer can be withdrawn at any time. T&Cs and eligibility apply.	Representative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 39.94% EAR variable. Account fee of £3 per month.	Go to site More info Compare product selection Compare	loading	Copy provider filter✓
Finder score 7.1Great TSB Spend & Save Plus Finder Award	Finder score 7.1Great	£3 per month	No minimum funding requirement	0% AER	0% EAR variable on the first £100 and then 39.9% EAR variable	Earn up to £60 cashback annually - ongoing £5 cashback every month with 20 debit card payments per calendar month (excludes cash withdrawals).	18+ and UK residents only. Other T&Cs apply. Representative example: Assumed arranged overdraft of £1,200. 0% EAR variable on the first £100. Annual interest rate 39.9% EAR variable, 40.1% APR representative (variable). How does this overdraft compare? Representative Annual Percentage Rates (APRs) help you compare the cost of using your overdraft.	Go to site More info Compare product selection Compare	loading	Copy provider filter✓
Finder score 9.8Excellent Monzo Current Account Finder AwardCashback	Finder score 9.8Excellent	£0	No minimum funding requirement	0% AER	39% EAR variable	Monzo Instant Access Savings Pot earns you 2.75% AER interest (variable), paid monthly into the Pot you create	Representative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 39% EAR variable.	Go to site More info Compare product selection Compare	loading	Copy provider filter✓
Finder score 7.8Great NatWest Premier Select Account Offer	Finder score 7.8Great	£0	No minimum funding requirement	0% AER	0% EAR variable on the first £500 and then 34.49% EAR variable (subject to status)	Switch to a NatWest Premier Select account by 6th January 2026 and you could get access to a 12-month Limited Edition Saver account. T&Cs and restrictions apply. Limited availability offer. More info If you switch to a NatWest Premier account by 6th Jan 2026, you could get access to a 12-month Limited Edition Saver account with rates between 4.00% / 3.93% AER/Gross p.a. (variable) and 1.06% AER/Gross p.a. (variable), so the more you save, the higher the rate could be. Earn 4.00% / 3.93% AER/Gross p.a. (variable) on £100K–£3m (includes 2.25% / 2.23% AER/Gross p.a. (fixed) 12-month bonus) and 3.25% / 3.20% AER/Gross p.a. (variable) on £50k–£99,999 (includes 1.50% / 1.49% AER/Gross p.a. (fixed) 12-month bonus). Balances up to £49,999 earn 1.06% / 1.05% AER/Gross p.a. (variable). The savings account becomes available when you make a full switch from another provider using the Current Account Switch Service (CASS). The same switch offer is also available through NatWest’s Premier Reward Bank Account. The offer is available to customers who do not hold a NatWest current account or savings account as of 18th November 2025. 12-month term and the interest is paid monthly. You can apply for a NatWest Premier Select account if you are a UK resident, 18+ and have ONE of the following: at least £100k sole income or £120k joint income paid into a NatWest account or £100k savings or investments held with NatWest or £500k+ mortgage held with NatWest.	Representative Example: Effective Annual Rate 0% EAR on arranged overdrafts up to £500, 34.49% EAR (variable) above £500. Representative 20.1% APR (variable). Assumed credit limit: £1200. How does this overdraft compare? Representative APRs help you compare the cost of different credit products. The monthly cap for unarranged overdraft charges for a Premier Select account is £18.80. For more information, please visit the NatWest site.	Go to site More info Compare product selection Compare	loading	Copy provider filter✓
Finder score 9.6Excellent Santander Edge Up Cashback	Finder score 9.6Excellent	£5 per month	£1500 per month	2.1% AER	39.94% EAR variable	Earn £200 cash when you switch to a Santander Edge Up current account. To receive the £200, complete a full switch, set up 2 active household Direct Debits and pay in £1,500 within 60 days. Switch incentive available when you use Current Account Switch Service. Offer can be withdrawn at any time. T&Cs and eligibility apply.	Representative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 39.94% EAR variable. Account fee of £5 per month.	Go to site More info Compare product selection Compare	loading	Copy provider filter✓
Finder score 8.8Great NatWest Premier Reward Cashback	Finder score 8.8Great	£2 per month	£1250 per month	0% AER	39.49% EAR variable (subject to status)	Switch to a NatWest Premier Reward account by 6th January 2026 and you could get access to a 12-month Limited Edition Saver account. T&Cs and restrictions apply. Limited availability offer. More info If you switch to a NatWest Premier account by 6th Jan 2026, you could get access to a 12-month Limited Edition Saver account with rates between 4.00% / 3.93% AER/Gross p.a. (variable) and 1.06% AER/Gross p.a. (variable), so the more you save, the higher the rate could be. Earn 4.00% / 3.93% AER/Gross p.a. (variable) on £100K–£3m (includes 2.25% / 2.23% AER/Gross p.a. (fixed) 12-month bonus) and 3.25% / 3.20% AER/Gross p.a. (variable) on £50k–£99,999 (includes 1.50% / 1.49% AER/Gross p.a. (fixed) 12-month bonus). Balances up to £49,999 earn 1.06% / 1.05% AER/Gross p.a. (variable). The savings account becomes available when you make a full switch from another provider using the Current Account Switch Service (CASS). The same switch offer is also available through NatWest’s Premier Select Bank Account. The offer is available to customers who do not hold a NatWest current account or savings account as of 18th November 2025. 12-month term and the interest is paid monthly. You can apply for a NatWest Premier Select account if you are a UK resident, 18+ and have ONE of the following: at least £100k sole income or £120k joint income paid into a NatWest account OR £100k savings or investments held with NatWest OR £500k+ mortgage held with NatWest.	Representative Example: Effective Annual Rate: 39.49% EAR (variable). Representative APR: 39.49% APR (variable). Assumed credit limit: £1,200. How does this overdraft compare? Representative APRs help you compare the cost of different credit products. The monthly cap for unarranged overdraft charges for a Premier Reward account is £18.80. For more information, please visit the NatWest site.	Go to site More info Compare product selection Compare	loading	Copy provider filter✓
Finder score Not yet rated Monzo Extra Finder AwardCashback	Finder score Not yet rated	£3 per month	No minimum funding requirement	0% AER	39% EAR variable	Get the best of Monzo money management: see your other banks and credit cards in Monzo, credit insights, personalised spending categories and more	Account fee of £3 per month. 18+ only. T&Cs apply. You must have a Monzo Current Account to sign up to Monzo Extra. Representative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 39% EAR variable. Account fee of £3 per month.	Go to site More info Compare product selection Compare	loading	Copy provider filter✓
Finder score Not yet rated Monzo Perks Finder AwardCashback	Finder score Not yet rated	£7 per month	No minimum funding requirement	0% AER	39% EAR variable	Get extra every day: a weekly Greggs treat, a monthly free cinema ticket, an annual Railcard every year, 3.25% AER (variable) interest in a linked instant access savings pot and more	Monzo Perks is £7 per month. 18+ only. T&Cs apply. You must have a Monzo Current Account to sign up to Monzo Perks. Representative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 39% EAR variable. Account fee of £7 per month.	Go to site More info Compare product selection Compare	loading	Copy provider filter✓

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Finder Score for bank accounts

To make comparing even easier we came up with the Finder Score. Fees, features and customer service across 20+ of the most popular banks are all weighted and scaled to produce a score out of 10. The higher the score the better the account – simple.

Read the full methodology

Frequently asked questions

• Can I get a current account?

  To be eligible to open a current account, you must be a legal UK resident, and at least 16 years old. Some banks may stipulate that you must be 18 if you don’t have parental approval. You may also need to be credit checked – this is because many current accounts will come with an overdraft that may be reduced if you have a poor credit history.

• How do I apply for a current account?

  With most banks, you can usually apply online – you will need to provide your personal and financial details. In some cases, you may then be asked to pop into a branch to have your ID verified. If you’re applying for an account with a digital-only bank, you’ll usually need to apply from the mobile app and to provide a picture of your ID.

• Can I add someone to my current account?

  You usually can. You’ll have to get in touch with your bank, who will be able to turn your personal current account into a joint account.

• How much should I pay into a current account?

  There are no fixed rules and you can keep as little as £1 in your current account. However, people usually have their salary paid into their current account and keep most of it there to spend it over the course of the month, together with some emergency funds that are thus easily accessible if anything goes wrong. It’s also a good idea to open a savings account to put your savings aside (so you’re less tempted to spend them). Finally, keep in mind that some current accounts may require you to deposit a minimum sum every month in order to access certain benefits.

• What type of current account is right for me?

  It all depends on your circumstances, but in a nutshell, you want: a) no fees, b) agility (your account must be easy to manage and use) and c) some nice rewards and perks if possible. In our opinion, the first two things beat the third one – rewards and bonuses are great, but being able to keep on top of your finances for free and with no headaches is much more important.