Best premium bank accounts UK 2022

Find out more about premier and premium bank accounts, and what you should consider before you apply for one.

“Premier” bank accounts come with extra perks, but to apply for one of these current accounts you will often need to hold a large sum of money with the bank offering the account, as well as have a high annual income or salary.

However, if you are looking for a current account that offers rewards no matter what your bank balance or salary, then you could consider opening a “premium” bank account. This is a type of “packaged” account, as you get perks like cashback or travel insurance rolled in with your current account, in exchange for paying a monthly fee. You can read more about packaged accounts in our current accounts with rewards guide.

What are premier and premium bank accounts?

A premier bank account is a current account with a fancy name and some additional perks. You’ll get all the things you usually get with a current account: a debit card, an overdraft facility, the ability to make bank transfers and set up direct debits and sending orders, and so on. However, you’ll also get some additional features, such as travel insurance or dedicated customer service. The catch is that only a handful of people will qualify for their bank’s premier account, as the eligibility criteria are quite financially demanding (more on this below).

Premium accounts are more accessible. They also come with rewards such as travel insurance or even breakdown cover, but they charge a monthly fee. The eligibility criteria for applying to open a premium account are far less strict – with some, you may still have to pay a certain amount into the account every month, but you don’t have to be earning mega bucks or have a large sum deposited with the banking provider.

Latest reviews of premium bank accounts

Includes purchase protection, travel insurance & cashback

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)

Sign up and get a free £10 top-up with Finder and get 1 month of Revolut Premium for free, too. 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

Revolut - Revolut Plus

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

£0

Min. opening balance

£2.99 per month

Account fees

0% AER

Interest (AER)

Sign up and get a free £10 top-up with Finder and get 1 month of Revolut Premium for free, too. For new customers only, T&Cs apply.
In return for a small monthly fee, the Revolut Plus account offers a wide range of everyday benefits. These include fee-free withdrawals of up to £200 per month, free spending on your Revolut card in the UK and abroad, and the option to exchange up to £1,000 per month in more than 30 currencies fee-free. On top of this, you’ll benefit from purchase protection on spending of up to £1,000 a year, whether your goods are damaged or stolen, and you’ll be reimbursed for ticketed events up to £1,000. The account also comes with three commission-free stock trades every month and the option to buy cryptocurrency. Account holders will also be able to open up to two Junior accounts to help their kids manage their money. Finally, you can enjoy cashback on accommodation bookings across the world, as well as earn interest on your Savings Vaults.
  • Fee-free spending in the UK and abroad
  • Purchase protection of up to £1,000 a year
  • Option to earn interest on your Savings Vaults
  • Cashback paid on accommodation bookings across the world
  • 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 £2.99 per month
Overseas card transactions 0% Mon-Fri (max. £1,000 per month)
Overseas cash withdrawals 0% Mon-Fri (max. £1,000 per month)

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)

Sign up and get a free £10 top-up with Finder and get 1 month of Revolut Premium for free, too. For new customers only, T&Cs apply.
In return for a monthly fee, the Revolut Premium account offers everything the Revolut Standard account offers, plus a little bit more. For starters, you’ll be able to withdraw up to £400 every month fee-free and spend on your Revolut card in the UK and abroad without charges. Account holders can also spend, exchange and transfer unlimited amounts of money at competitive exchange rates, plus benefit from one fee-free international transfer each month. The account also comes with purchase protection on spending of up to £2,500 per year and you’ll be reimbursed for ticketed events up to £1,000. Additionally, you can benefit from up to five commission-free stock trades per month, the option to buy cryptocurrency at lower fees, and earn interest on Savings Vaults. For keen travellers, the account also offers cashback on accommodation bookings across the globe as well as worldwide emergency medical and dental cover, and delayed flight and baggage insurance.
  • 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

Virgin Money - Club M Account - Age 18 and over

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

£0.01

Min. opening balance

£14.5 per month

Account fees

2.02% AER

Interest (AER)

Earn 25% cashback for 60 days on supermarket and fuel spend when using a Virgin Money debit card, up to a maximum amount of £160.
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

What benefits does a premier bank account offer?

Premier bank accounts are usually offered by traditional banks (think Barclays, HSBC and the like). Each account has its own sets of perks, but here are some of the features you can expect:

  • Some kind of insurance. For example you might get free travel insurance for you and your family.
  • Interest-free arranged overdraft. Up to a certain limit, which can be for example £500.
  • Special offers on other banking products. For example you might be offered a higher interest rate on your savings, or better conditions on a mortgage or a loan.
  • Higher account limits. Such as a higher limit on daily ATM withdrawals.
  • Dedicated customer service. Big banks often have a dedicated customer service team to support their premier customers.
  • International banking. If you travel a lot, you might also be able to get a premier international bank account, which will allow you to hold different currencies at the same time. Alternatively, the premier account might come with free international bank transfers.

Examples of premier accounts

  • Barclays Premier Account. Account holders can earn Avios on their spending, while also getting access to better rates on Barclays loans and savings accounts.
  • HSBC Premier Current Account. Account holders receive annual travel insurance for them and their whole family, as well as preferential rates on HSBC products.
  • NatWest Premier Account. With these accounts, you can earn rewards and cashback on spending. There are also associated travel insurance, airport lounge access, car breakdown cover, home emergency cover and concierge services.
  • Citigold. With the Citigold account, you can hold balances in multiple currencies. There is also an associated travel insurance product.

Latest reviews of premier bank accounts

Barclays - Premier Current Account

Premier Current Account
Finder rating
★★★★★
Customer rating
★★★★★
Read review

£1

Min. opening balance

£0

Account fees

0% AER

Interest (AER)

Eligible for Barclays Blue Rewards.
The Barclays Premier current account offers a range of exclusive benefits. There are no fees to open the account, but customers who agree to pay a monthly fee can access Barclays Avios Rewards. This lets users collect Avios towards a flight with British Airways. Customers can also benefit from fee-free international payments via the app or online banking, as well as an interest-free overdraft. They’ll also have access to a dedicated Premier relationship team available 24/7. To qualify, you’ll need an annual gross income of £75,000 or more paid into a Barclays current account or a minimum of £100,000 invested or saved with the bank. The account can be opened by downloading the Barclays app, or online.
To be eligible for Premier banking you’ll need to have either (1) An annual gross income of £75,000 or more paid into a Barclays current account or (2) a minimum of £100,000 saved or invested with Barclays. T&Cs apply. To be eligible for the 25,000 Avios sign up bonus, customers need to move their existing current account to Barclays via the Current Account Switching Service, within 3 months of joining Barclays Avios Rewards.
Representative example: 0% interest (variable) payable on arranged overdrafts up to £500. If you use an arranged overdraft above this amount the annual rate of interest is 35.0% (variable). 19.5% APR Representative (variable), based on a £1,200 overdraft balance. Overdrafts, including interest free amounts, are subject to application, financial circumstances and borrowing history.
  • No fee to open the account
  • Fee-free international payments
  • Option to sign up for Avios Rewards
  • Interest-free overdraft
  • You’ll need a high income or savings pot to qualify
  • You’ll need to pay a monthly fee to join Avios Rewards
  • If you exceed the 0% overdraft limit, you’ll pay interest
Interest rate 0% AER
Minimum opening balance £1
Minimum operating balance £1
Switch service guarantee Yes
Account fee £0
Overseas card transactions 2.99%
Overseas cash withdrawals 2.99%

HSBC - Premier Bank Account

Premier Bank Account
Finder rating
★★★★★
Customer rating
★★★★★
Read review

£0.01

Min. opening balance

£0

Account fees

0% AER

Interest (AER)

Free overseas ATM cash withdrawals when using HSBC ATMs worldwide.
This bank account from HSBC offers a range of benefits you might expect to get from a packaged account, but without the monthly fee. Perks of the account include worldwide travel insurance, access to preferential rates on mortgages and savings, the choice of two exclusive credit cards and an interest-free overdraft. In return you’ll need to meet certain eligibility criteria. You’ll need an individual annual income of at least £75,000 and either a mortgage, an investment, life insurance or a protection product with the bank. Alternatively, you’ll need to have at least £50,000 in savings or investments with HSBC UK within six months of opening your account, or hold and qualify for HSBC Premier in any other country or region.
  • No monthly account fee
  • Worldwide travel insurance for you and your family
  • Preferential mortgage and savings rates
  • Interest-free overdraft
  • Strict eligibility requirements
  • Interest will apply if you exceed 0% overdraft limit
  • No interest payable on in-credit balances
Interest rate 0% AER
Minimum opening balance £0.01
Minimum operating balance £0.01
Switch service guarantee Yes
Account fee £0
Overseas card transactions 2.75%
Overseas cash withdrawals 2.75%

NatWest - Premier Reward

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

£0.01

Min. opening balance

£2 per month

Account fees

0% AER

Interest (AER)

£175 for accounts switched using the Current Account Switch Service by 5pm 3.11.22.
The Premier Select account from NatWest provides exclusive benefits for its customers, with no monthly fee. You’ll benefit from round-the-clock support online or over the phone, plus a Premier Banking Manager to help you with more complex financial decisions or plans. The account also offers an arranged overdraft, access to an enhanced level of insurance cover, and access to NatWest’s will writing and executor services. In return, you’ll need to have a minimum sole income of £100,000 or joint income of £120,000 paid into your NatWest account; or £500,000 minimum mortgage borrowing with NatWest; or a minimum of £100,000 in savings or investments with NatWest. The account can be opened online and can be managed via online banking or the NatWest app.
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.
  • No monthly fee
  • Round-the-clock support, including a dedicated banking manager
  • Arranged overdraft available
  • Access to exclusive products such as insurance
  • You’ll need to meet eligibility requirements
  • You’ll pay interest if you exceed 0% overdraft limit
  • No interest paid on in-credit balances
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 - Premier Select

Premier Select
Finder rating
★★★★★
Customer rating
★★★★★
Go to site Read review

£0.01

Min. opening balance

£0

Account fees

0% AER

Interest (AER)

£175 for accounts switched using the Current Account Switch Service by 20.10.22.
The RBS Premier Select current account offers all you’d expect from a bank account, but also provides one-to-one expert help and support on top. Customers can speak to an expert 24 hours a day, seven days a week, online or over the phone. They’ll also have access to a Premier Banking manager for more complex financial decisions or plans. Further benefits include an enhanced level of insurance cover and access to NatWest’s will writing and executor services (a fee applies). The account comes with an arranged overdraft, plus a receipt management tool to help customers keep track of their receipts via the app. To qualify, customers must have a minimum sole income of £100,000 or a joint income of £120,000 paid into the account, OR £500,000 minimum mortgage borrowing with RBS, OR a minimum of £100,000 savings or investments with RBS.
Representative example: If you use an arranged overdraft of £1,200 you'll be charged interest at 19.49% EAR variable .
  • No monthly fee
  • Round-the-clock support with a dedicated banking manager
  • Arranged overdraft
  • Access to exclusive products
  • Strict eligibility criteria
  • No interest paid on in-credit balances
  • Expensive overdraft rates
Interest rate 0% AER
Minimum opening balance £0.01
Minimum operating balance £0.01
Switch service guarantee Yes
Account fee £0
Overseas card transactions 2.75%
Overseas cash withdrawals 2.75%

How much do premier and premium bank accounts cost?

Premier bank accounts usually come for no monthly fee. They are a way for banks to reward you for your loyalty and for being a “big” customer. This doesn’t mean that there are no fees at all. Do check the terms and conditions carefully before applying. For example, there might be fees for making payments abroad. Banks may also run switching promotions from time to time where you can earn a bonus for switching to a premier account.

Premium accounts, on the other hand, do come with a monthly fee in exchange for the perks you get. Although the idea of this type of packaged account is that the annual value of all the benefits you receive will outweigh the annual amount you pay in monthly fees. Plus you get to use the account for all your everyday banking needs too. Banks, also from time to time run switching deal promotions where you can be rewarded with a bonus if you switch to a packaged account.

How can you qualify for a premier bank account?

Every bank has slightly different eligibility criteria, but generally speaking, you will need to hold a significant sum with the bank offering the premier account. This will usually mean having at least £50,000, or perhaps even £100,000, in either a current, savings or investment account with the same bank.

With some banks, you might also need a high annual income that you will pay into the account (think £75,000 or higher) or you may need to already have a substantial mortgage with that provider (potentially £500,000 or more).

Because these accounts come with overdraft facilities, applying involves a credit check. A bank may tailor your overdraft limit according to your credit history. If you don’t know your credit score you can check it for free and view your credit report through Finder.

So premier bank accounts are not for everyone. As we’ve already mentioned, If you can’t qualify but would still like a comprehensive current account with a lot of extra perks, you could consider a premium account or another type of packaged bank account. They come with a monthly fee but offer all kinds of extra features and insurances. More info about them is in this guide.

Should I go for a premier bank account?

It depends – and you’ll need to meet the eligibility criteria first. The perks included in premier bank accounts are nice, but definitely not worth changing your overall financial strategy for. If you are uncertain, just leave them out of the equation for a second and consider everything else.

For example, would you want to have most of your savings or investments with the same bank as your current account anyway? Or would you rather shop around and make sure you get the best deal in each scenario, even though it will be more time-consuming to manage your finances across multiple providers?

If you do decide to go for a premier bank account, do compare options carefully. Check the fees and the perks, and ask about customer support and other banking products. For example, say you are thinking of buying a house in the near future, will the premier account also come with a better deal on your mortgage?

Finally, keep in mind that anything above the first £85,000 you hold with the same bank in a current account or a savings account will not be covered by the Financial Services Compensation Scheme (FSCS), which is a big safety net in case anything were to go wrong with the bank. It may not be worth losing that protection over the comparatively small perks of a premium bank account.

Pros and cons of a premier bank account

Pros

  • Extra free perks and benefits, such as free travel insurance.
  • You’ll often get more dedicated customer service compared to a standard customer.
  • Better deals on other banking products, such as mortgages.
  • Keeping all your money with the same bank can make it easier to manage everything.

Cons

  • You’ll usually need to be a high earner and hold a large amount of money with the bank to be eligible.
  • Being loyal to the same bank may mean missing out on better deals elsewhere.
  • If you deposit over the FSCS limit, your money may not be entirely protected.

Compare packaged bank accounts

Table: sorted by interest rate, promoted deals first
Name Product Ratings Account fees Funding requirement Interest (AER) Arranged overdraft Switching deals benefits Representative example Link
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
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
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
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
Premier C/A - 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.
Current account switch service guarantee badge Account fee of £12.5 per month.
View details
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.
Current account switch service guarantee badge Account fee of £12.5 per month.
View details
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.
Current account switch service guarantee badge Account fee of £18 per month.
View details
FlexPlus
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.
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.
View details
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
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 (theirs or other persons car). Free accident management.
Current account switch service guarantee badge Account fee of £21 per month.
View details
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Compare up to 4 providers

Name Product Ratings Account fees Funding requirement Interest (AER) Arranged overdraft Switching deals benefits Representative example Link
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. 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.
Current account switch service guarantee badge
Go to site
View details
OFFER
Student Account
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£0
No minimum funding requirement
0% AER

Receive £80 paid to your account within 10 days from opening a new or converting an existing account. Must register for mobile/internet banking and choose paperless statements within 30 days of opening. Offer valid from 4th July to 31st October. Receive 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 4th July to 31st October.
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.
Go to site
View details
Finder Award
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.
Go to site
View details
OFFER
Student Account
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£0
No minimum funding requirement
0% AER

Receive £80 paid to your account within 10 days from opening a new or converting an existing account. Must register for mobile/internet banking and choose paperless statements within 30 days of opening. Offer valid from 4th July to 31st October. Receive 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 4th July to 31st October.
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.
Go to site
View details
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
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.
View details
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
View details
FlexStudent  - Funded
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£0
Min. £500 per term
0% AER

Receive £100 when opening a FlexStudent account and depositing at least £500 by 16.12.22. For every FlexStudent account opened, £10 will be given to housing charity Shelter.
Current account switch service guarantee badge
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Student
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£0
No minimum funding requirement
0% AER
39.9% EAR variable
Receive a free TOTUM card for 12 months when account opened by 31.10.22. The card offers a range of discounts on the high street and online, including Amazon Prime, Hello Fresh, ASOS and Thorpe Park. 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.
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Student Account
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£0
No minimum funding requirement
0% AER
39.9% EAR variable
Receive a free TOTUM card for 12 months when account opened by 31.10.22. The card offers a range of discounts on the high street and online, including Amazon Prime, Hello Fresh, ASOS and Thorpe Park. 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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Compare up to 4 providers

Name Product Ratings Account fees Funding requirement Interest (AER) Arranged overdraft Gadgets benefits Representative example Link
Club M Account - Age 18 and over
User survey
★★★★★
★★★★★
£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.
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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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
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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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.
Current account switch service guarantee badge Account fee of £14.5 per month.
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Everyday Extra - without Everyday Rewards
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.
Current account switch service guarantee badgeRepresentative 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.
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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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Ultimate Reward Current Account - with Reward Extras
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.
Current account switch service guarantee badge Account fee of £17 per month.
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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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Everyday Extra - with Everyday Rewards
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.
Current account switch service guarantee badgeRepresentative 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.
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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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Compare up to 4 providers

Name Product Account fee Bank transfers Interest (AER) Accounting integrations Arranged overdraft Account management Key benefits Link
OFFER
Start Up Business
Free
£0.35
0% AER
FreeAgent
Branch, online, app & phone
Use the digital accounting tool FreeAgent to make invoicing, payroll and managing your cash flow easy. It’s worth more than £145 + VAT a year (based on annual fee as of Aug 2021), but free for you.
Go to site
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CASHBACK
ANNA Free
Free
Free
2 free UK transfers per month
0% AER
Sage, Xero
App
Earn 1% cashback for paying with your ANNA card in selected categories.
Go to site
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Multi-Currency Business Account
Free
Free
0% AER
Xero
Online & app
Get a free multi-currency business account
Go to site
View details
FREE TRIAL
ANNA £4.90 a month
£4.90 per month
(waived in first 6 months)
Free
4 free UK transfers per month
0% AER
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
OFFER
Business Account
Free
£0.35
0% AER
FreeAgent
Branch, online, app & phone
Use the digital accounting tool FreeAgent to make invoicing, payroll and managing your cash flow easy. It’s worth more than £145 + VAT a year (based on annual fee as of Aug 2021), but free for you.
Go to site
View details
OFFER
Cashplus Business Bank Account
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
Finder Award
OFFER
Tide Plus
£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. T&Cs apply.
Go to site
View details
Finder Award
EXCLUSIVE
Tide Free
Free
£0.20
Free if both accounts are with Tide
0% AER
Clear Books, FreeAgent, KashFlow, QuickBooks, Reckon One, Sage, Xero
Online & app
FINDER EXCLUSIVE: Get 5 months free transfers when using the code FINDER5FREE. 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. T&Cs apply.
Go to site
View details
OFFER
Business Account - Standard Tariff
Free
£0.35
0% AER
FreeAgent
Branch, online, app & phone
Use the digital accounting tool FreeAgent to make invoicing, payroll and managing your cash flow easy. It’s worth more than £145 + VAT a year (based on annual fee as of Aug 2021), but free for you.
Go to site
View details
FREE TRIAL
The Co-operative Bank Business Directplus Current Account
£7 per month
(waived in first 30 months)
£0.35
(70p if balance falls below £1,000 at any time)
0% AER
QuickBooks, Sage, Xero, Multiple providers

On application (subject to status, eligibility and The Co-operative Bank's Lending policy)
Branch, online, app & phone
Free everyday business banking for 30 months with the original ethical bank. T&Cs apply.
Go to site
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Compare up to 4 providers

Name Product Ratings Account fees Funding requirement Interest (AER) Arranged overdraft Benefits leisure and entertainment Representative example Link
Private Current Account
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
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)..
View details
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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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.
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Compare up to 4 providers

Name Product Ratings Account fees Funding requirement Interest (AER) Arranged overdraft Benefits travel Representative example Link
Club M Account - Age 18 and over
User survey
★★★★★
★★★★★
£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.
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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Student (12-18) - Age 12-18
Not yet rated
£0
No minimum funding requirement
1.76% AER

Commission free travel money.
View details
Private Current Account
User survey
★★★★★
★★★★★
£25 per month
No minimum funding requirement
1.26% AER
14.9% EAR variable
Eligible for DragonPass Premier+, 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.
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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Current Account Tracker
User survey
★★★★★
★★★★★
£25 per month
No minimum funding requirement
1.26% AER
14.9% EAR variable
Eligible for DragonPass Premier+, 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.
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.
View details
Private Current Account
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£4 per month
No minimum funding requirement
1% 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.
Current account switch service guarantee badge Account fee of £4 per month.
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Select Current Account
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£4 per month
No minimum funding requirement
1% 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.
Current account switch service guarantee badge Account fee of £4 per month.
View details
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
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.
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
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
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.
Current account switch service guarantee badge Account fee of £21 per month.
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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
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Voyage
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.
Current account switch service guarantee badgeRepresentative 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..
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