Best banks for switching offers and other deals UK 2021

Discover which banks give you money and other rewards for opening an account in the UK.

Perhaps you have had an account with the same bank since you were a kid and have now decided that it’s time to look for a different one. Perhaps your bank has exhausted your patience after one too many admin blunders. Perhaps you’d like some free money for switching. Here’s our round-up of the latest deals to help you decide which bank deserves your custom.

Recommended bank account switch deals October 2021

Michelle Stevens
Finder's deputy editor for banking Michelle Stevens shares her thoughts
It's a competitive market out there for current accounts right now, with several banks offering incentives to encourage customers to switch their provider. Whether you're after a cash bonus or other account benefits, here are our recommended options.
  • Santander is offering £130 to switch to its 123 Current Account. New account holders will also benefit from cashback when paying certain utility bills, plus monthly interest of 0.3% AER gross variable on in-credit balances of up to £20,000. It's worth noting that this account also comes with a monthly fee of £4.
  • HSBC is running a deal where account switchers get £110 plus a £30 Uber Eats voucher or The Dining Out Gift Card. This offer applies to the HSBC Advance Bank Account, where a minimum of £1,750 needs to be paid in per month. There's also the opportunity to earn 1% AER gross interest with the linked HSBC Regular Saver Account.
  • Royal Bank of Scotland is offering a large cash incentive for account switchers, involving a £150 bonus to new customers who "switch and stay" with its Select current account. You get £100 for the initial switch and then another £50 if you make 10 transactions every month from January to September 2022. There is no monthly fee with this account, but you'll need to pay in £1,500 in total by 31 December 2021.

Compare switching rewards and deals

From time to time, some banks offer customers a reward or a bonus for switching. Below we have listed some of the best offers currently available.

Table: sorted by interest rate, promoted deals first
Name Product Ratings Account fees Funding requirement Interest (AER) Arranged overdraft Incentive Representative example Link
Reward
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£2 per month
Min. £1250 Per Month
0% AER
39.49% EAR variable
£100 for accounts switched using the Current Account Switch Service by 18.11.21.
Current account switch service guarantee badgeRepresentative example: If you use an arranged overdraft of £1,200 you'll be charged interest at 39.49% EAR variable. Account fee of £2 per month.
View details
OFFER
Select Account
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£0
No minimum funding requirement
0% AER
39.49% EAR variable
Switch bank, stay & get £150 when you move your current account held elsewhere.
Current account switch service guarantee badgeRepresentative example: If you use an arranged overdraft of £1,200 you'll be charged interest at 39.49% EAR variable.
View details
123 Current Account
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£4 per month
Min. £500 Per Month
0.3% AER
39.94% EAR variable
£130 cashback to switch and earn cashback every month on selected household bills + interest on your balance.
Current account switch service guarantee badgeRepresentative example: If you use an arranged overdraft of £1,200 you'll be charged interest at 39.94% EAR variable. Account fee of £4 per month.
Go to site
View details
OFFER
HSBC Advance Bank Account
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£0
Min. £10500 Every 6 months. Min. £1750 Per Month
0% AER
39.9% EAR variable
Get £110 + £30 Uber Eats voucher or The Dining Out Gift Card when you switch to an HSBC Advance Bank Account. Plus earn 1.00% AER / gross interest with the linked HSBC Regular Saver.
Current account switch service guarantee badge
Plus earn 1.00% AER / gross interest with the linked HSBC Regular Saver
Receive £110 + £30 Uber Eats voucher or The Dining Out Gift Card when you switch using the Current Account Switch Service in 30 days of account opening with a min 2 Direct Debits/Standing orders. Offer for new customers who haven't held an HSBC current account, or opened a first direct account since 1 Jan 2018. To qualify for HSBC Advance pay in + £1,750 a month/£10,500 over 6 months and be approved for an overdaft of £1000+. Offer end 31st October 2021. Eligibility criteria, further offer and account T&Cs apply. Representative example: If you use an arranged overdraft of £1,200, you’ll be charged interest at 38.9% (0% EAR variable on first £25, 39.9% thereafter).
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123 Lite Current Account
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£2 per month
Min. £500 Per Month
0% AER
39.94% EAR variable
£130 cashback to switch and earn cashback every month on selected household bills.
Current account switch service guarantee badgeRepresentative example: If you use an arranged overdraft of £1,200 you'll be charged interest at 39.94% EAR variable. Account fee of £2 per month.
Go to site
View details
OFFER
Everyday Current Account
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£0
No minimum funding requirement
0% AER
39.94% EAR variable
£130 cashback to switch to a simple and straightforward current account, with no monthly fee.
Current account switch service guarantee badgeRepresentative example: If you use an arranged overdraft of £1,200 you'll be charged interest at 39.94% EAR variable.
Go to site
View details
Select Account
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£0
No minimum funding requirement
0% AER
39.49% EAR variable
£100 for accounts switched using the Current Account Switch Service by 2.12.21.
Current account switch service guarantee badge
This fee-free account permits customers to open a digital regular savings account. Select account customers may also be able to arrange an overdraft, subject to eligibility. Customers can manage their account via telephone, online, smartphone app and in branch. The customer smartphone app automatically places your spending into categories to help you see how much you’ve spent. It also includes a feature to allow the user to regularly monitor their TransUnion credit score for free.
Representative example: If you use an arranged overdraft of £1,200 you'll be charged interest at 39.49% EAR variable.
Go to site
View details
OFFER
First Direct Current Account
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£0
No minimum funding requirement
0% AER
An interest-free, arranged overdraft up to £250, then 39.9% EAR (variable)
£100 when you switch.
Current account switch service guarantee badge
Earn 1.00% AER/gross with the linked Regular Saver Account and access a £250 interest-free overdraft (subject to status)
Representative example: If you use an arranged overdraft of £1,200, you’ll be charged interest at 30.5% (0% EAR variable p.a on first £250, 39.9% thereafter).
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Reward
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£2 per month
Min. £1250 Per Month
0% AER
39.49% EAR variable
£100 for accounts switched using the Current Account Switch Service by 2.12.21.
Current account switch service guarantee badgeRepresentative example: If you use an arranged overdraft of £1,200 you'll be charged interest at 39.49% EAR variable. Account fee of £2 per month.
Go to site
View details
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
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.
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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Compare up to 4 providers

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
N/A
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
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.
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 Account
Platinum - with Vantage
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, Home Start and Relay 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, Relay and Home Start 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, Relay and Home Start 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
Not yet rated
£21 per month
No minimum funding requirement
0% AER
N/A
Free UK AA Roadside Assistance, Home Start and Relay 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
Student Bank Account
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£0
No minimum funding requirement
0% AER
N/A
£80 cash reward, plus the choice of a £20 Uber Eats voucher or a year of unlimited next-day delivery with ASOS Premier, when 5 debit card transactions are made within a month of opening the account
Read more
Current account switch service guarantee badge
Go to site
View details
OFFER
123 Student Current Account
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.
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Current account switch service guarantee badge
Go to site
View details
Student Current Account
Not yet rated
£0
No minimum funding requirement
0.5% AER
N/A
Commission free travellers cheques and currency.
Read more
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.
Read more
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
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.
Read more
Current account switch service guarantee badge
View details
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.
Read more
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
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.
Read more
Current account switch service guarantee badgeRepresentative example: If you use an arranged overdraft of £1,200 you'll be charged interest at 39.9% EAR variable.
View details
Student Additions
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£0
No minimum funding requirement
0% AER
N/A
Yes - Free 12-month subscription to Perlego the online library when opening a Student Additions account. Offer available between 20.9.20 and 31.12.21. 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.
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Current account switch service guarantee badge
View details
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.
Read more
Current account switch service guarantee badge
View details
Student
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.
Read more
Current account switch service guarantee badge
View details
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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
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.
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 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.
View details
Platinum - with Vantage Account
Platinum - with Vantage
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.
Current account switch service guarantee badge Account fee of £21 per month.
View details
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.
View details
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.
View details
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.
Current account switch service guarantee badge Account fee of £14.5 per month.
View details
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.
Current account switch service guarantee badge Account fee of £17 per month.
View details
Platinum
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.
Current account switch service guarantee badge Account fee of £21 per month.
View details
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.
Current account switch service guarantee badge Account fee of £9 per month.
View details
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.
Current account switch service guarantee badge Account fee of £9 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
FREE TRIAL
ANNA £9.90 a month
£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
CASHBACK
ANNA Free
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
OFFER
Mettle by Natwest
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
CASHBACK
Tide 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
OFFER
Small Business Account
£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
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
Go to site
View details
OFFER
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
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
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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
FreeAgent, QuickBooks, Xero
App
Free for the first 6 months. Plus earn 1% cashback for paying with your ANNA card in selected categories.
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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
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FREE TRIAL
ANNA £19.90 a month
£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
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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
Citigold Current
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)..
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Graduate
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£0
No minimum funding requirement
0% AER
39.49% EAR variable
Free tastecard Membership, 2 for 1 meals, or 50% off your food bill at thousands of restaurants across the UK.
Current account switch service guarantee badgeRepresentative example: If you use an arranged overdraft of £1,200 you'll be charged interest at 39.49% EAR variable.
View details
Graduate
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
£0
No minimum funding requirement
0% AER
39.49% EAR variable
Free tastecard Membership, 2 for 1 meals, or 50% off your food bill at thousands of restaurants across the UK.
Current account switch service guarantee badgeRepresentative example: If you use an arranged overdraft of £1,200 you'll be charged interest at 39.49% EAR variable.
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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
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.
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 Vantage Account
Platinum - with Vantage
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 45 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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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 45 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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Student Current Account
Not yet rated
£0
No minimum funding requirement
0.5% AER
N/A
Commission free travellers cheques and currency.
Current account switch service guarantee badge
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Student (12-18) - Age 12-18 Account
Student (12-18) - Age 12-18
Not yet rated
£0
No minimum funding requirement
0.35% AER
N/A
Commission free travel money.
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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.
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
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.
Current account switch service guarantee badge Account fee of £4 per month.
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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.
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
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.
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
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.
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