{"id":371772,"date":"2021-02-08T17:42:43","date_gmt":"2021-02-08T17:42:43","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=371772"},"modified":"2026-03-24T11:34:45","modified_gmt":"2026-03-24T11:34:45","slug":"basic-bank-accounts","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/current-accounts\/basic-bank-accounts","title":{"rendered":"Basic bank accounts"},"content":{"rendered":"<p>Basic bank accounts help those with poor credit scores get a bank account. Basic bank accounts are what they say they are. They come with no strings attached, frills or anything else you would associate with a standard current account. You put your money in and you take it out. They are often fee-free.<\/p><h3 id=\"compare\">Compare basic bank accounts<\/h3><div class=\"fin-text-grey text-x-small has-margin-bottom\">Table: sorted by interest rate, promoted deals first<\/div><div class=\"content tableWithFilters\n        \n        \n         -table-container\" id=\"comparison-table\" data-section=\"table\">\n    <div class=\"tableWithFilters__tableTop\">\n            <\/div>\n            <div class=\"contentWrapper tableWithFilters__contentWrapper \">\n        <div class=\"tableWithFilters__sidebarFilter tableWithFilters__sidebarFilter--stickyAndScrollable\" data-niche-short-code=\"UKFSA\">\n        <div class=\"tableWithFilters__filter f1\"><\/div>\n    <\/div>\n        <div class=\"tableWithFilters__table content\">\n        <script type=\"text\/javascript\">\nvar getEventToListenTo = () => {\n  if (window.matchMedia('(any-hover:none)').matches) {\n    if (window.matchMedia('(max-width: 450px)').matches) {\n      return \"scroll\";\n    }\n  }\n  return \"DOMContentLoaded\";\n};\nvar eventToWatch = getEventToListenTo();\nconst loadFinderScoreModalukfsacur = () => {\n  setTimeout(function(){\n   window.loadOnTheFly.html(\n      'partial', {\n          id: 'finder-score-ukfsa-cur-modal-optimized',\n      },\n      function (response) {\n          document.getElementsByTagName(\"body\")[0].appendChild(response);\n          var modal = document.getElementById('finderScoreModal-ukfsa-cur');\n          var closeButton = modal.querySelector(\"#closeButton\");\n          closeButton.onclick = function (event) {\n            modal.classList.add(\"elementHidden\");\n          };\n          var btnReadMethodology = modal.querySelector(\"#btnReadMethodology\");\n          btnReadMethodology.addEventListener(\"click\", function(e) {\n            modal.classList.add(\"elementHidden\");\n          });\n          window.onclick = function (event) {\n            if (event.target == modal) {\n              modal.classList.add(\"elementHidden\");\n            }\n          };\n      }\n  );\n  },1000);\n  window.removeEventListener(eventToWatch, loadFinderScoreModalukfsacur);\n};\nwindow.addEventListener(eventToWatch, loadFinderScoreModalukfsacur);\nvar showFinderScoreModal = (niche) => {\n  var existCondition = setInterval(function() {\n    const modalLoaded = document.getElementById('finderScoreModal-ukfsa-cur');\n    if (modalLoaded) {\n      clearInterval(existCondition);\n      modalLoaded.classList.remove('elementHidden');\n    }\n  }, 500); \/\/ check every 0.5s\n}\n<\/script><div class=\"customTableFiltersConfig tableFiltersConfig__main\" style=\"display: none\">{\"userFilters\":[{\"componentType\":\"MULTI-SELECT CHECKBOX\",\"options\":{\"comparator\":\"contains\",\"includeAllSelection\":false,\"defaultMatcher\":\"ANY\",\"values\":[\"8.95-10\",\"6.95-8.94999\",\"4.95-6.94999\",\"0-4.94999\"],\"fields\":[{\"label\":\"[[FINDER_SCORE_BADGE|9+]] Excellent: 9+\",\"value\":\"8.95-10\",\"comparator\":\"range\"},{\"label\":\"[[FINDER_SCORE_BADGE|7+]] Great: 7+\",\"value\":\"6.95-8.94999\",\"comparator\":\"range\"},{\"label\":\"[[FINDER_SCORE_BADGE|5+]] Standard: 5+\",\"value\":\"4.95-6.94999\",\"comparator\":\"range\"},{\"label\":\"[[FINDER_SCORE_BADGE|0+]] Basic: 0+\",\"value\":\"0-4.94999\",\"comparator\":\"range\"}]},\"dataSelector\":{\"recordType\":\"PRODUCT\",\"fieldCode\":\"FINDER_SCORE.FINDER_SCORE\"},\"dataType\":\"NUMBER\",\"label\":\"Finder Score\",\"queryParameter\":\"finderScore\"},{\"config\":{},\"dataSelector\":{\"recordType\":\"product\",\"fieldCode\":\"MONEYFACTS.OD_ARRANGED_AVAILABLE\"},\"dataType\":\"BOOLEAN\",\"label\":\"Arranged overdraft available\",\"order\":1},{\"config\":{},\"dataSelector\":{\"recordType\":\"product\",\"fieldCode\":\"MONEYFACTS.ACCOUNTOPERATION_SMARTPHONEAPPS\"},\"dataType\":\"BOOLEAN\",\"label\":\"Operate by app\",\"order\":2},{\"config\":{},\"dataSelector\":{\"recordType\":\"product\",\"fieldCode\":\"MONEYFACTS.ACCOUNTOPERATION_BRANCH\"},\"dataType\":\"BOOLEAN\",\"label\":\"In-branch services\",\"order\":3},{\"config\":{\"MULTISELECT\":true,\"VALUES\":\"Clear Books,Fortnox,FreeAgent,KashFlow,QuickBooks,Reckon One,Sage,Wave,Xero,Coconut,Crunch,NetSuite,SAP Concur,Countingup accounting &amp; tax tool,Multiple providers\"},\"dataSelector\":{\"recordType\":\"provider\",\"fieldCode\":\"GENERAL.ACCOUNTS_SOFTWARE_INTEGRATION_PLATFORMS\"},\"dataType\":\"TEXT\",\"label\":\"Accounting integrations (business products only)\",\"order\":4},{\"config\":{\"VALUES\":\"Current,Graduate,Student,Business,e-money account,Fee paying account,Fee free basic account\"},\"dataSelector\":{\"recordType\":\"product\",\"fieldCode\":\"MONEYFACTS.CURRENTACCOUNTTYPE\"},\"dataType\":\"TEXT\",\"label\":\"Account type\",\"order\":5},{\"dataSelector\":{\"recordType\":\"UI_FILTER_COMPONENT\",\"fieldCode\":\"SPECIAL_OFFERS\"},\"dataType\":\"BOOLEAN\",\"label\":\"Special offers\",\"componentType\":\"SpecialOffersFilter\",\"config\":{\"VALUES\":\"1\",\"fields\":[{\"value\":\"exclusive_only\",\"label\":\"Finder Rewards &amp; exclusives\"},{\"value\":\"all_offers_no_rewards\",\"label\":\"All offers\"}]},\"options\":{\"comparator\":\"eq\"}},{\"config\":{},\"dataSelector\":{\"recordType\":\"product\",\"fieldCode\":\"GENERAL.PROVIDER_ID\"},\"dataType\":\"UUID\",\"label\":\"Provider\",\"order\":6}],\"niche\":{\"currencySymbol\":\"\\u00a3\",\"decimalPoint\":\".\",\"decimalPlaces\":\"2\",\"thousandsSeparator\":\",\",\"filterBoundsMap\":{\"product.MONEYFACTS.OD_ARRANGED_AVAILABLE\":null,\"product.MONEYFACTS.ACCOUNTOPERATION_SMARTPHONEAPPS\":null,\"product.MONEYFACTS.ACCOUNTOPERATION_BRANCH\":null,\"provider.GENERAL.ACCOUNTS_SOFTWARE_INTEGRATION_PLATFORMS\":null,\"product.MONEYFACTS.CURRENTACCOUNTTYPE\":null}},\"prefilled\":false,\"experimental\":false}<\/div><div class=\"js-comparison-calculator comparison-calculator comparison-calculator--paginationNav f1   \" data-category=\"fbd04cb7-2320-473c-be3d-d2aa4fc1babf\" data-template=\"comparison\" data-niche=\"UKFSA-CUR\" data-site=\"UKFSA-CUR\" data-auto-recalculate=\"true\" data-post-country=\"uk\" data-fieldset=\"newforfiltering\" data-compare-fieldset=\"compareInfobox\" data-post-id=\"371772\" data-mobile-template=\"\" data-origin=\"straightforward-niche\" data-side-filters=\"false\" data-sort=\"\" data-enable-top-filters=\"false\" data-mobile-data-layout=\"grid\" data-redirect-tracking-params='{\"placement_type\":\"table\",\"site\":\"UKFSA-CUR\",\"fieldset\":\"newforfiltering\",\"template\":\"comparison\",\"category_id\":\"fbd04cb7-2320-473c-be3d-d2aa4fc1babf\",\"category_name\":\"basic-AERdesc\",\"is_sorted\":0,\"is_filtered\":0,\"cta_render_ts\":1779677789}' data-disable-alternative-products=\"false\" data-force-enable-alternative-products=\"false\" data-niche-default-category=\"8cdd5b71-04b8-420e-8d5f-a60b78fcd0c7\" data-niche-default-path=\"\/business-banking\" data-experiment-flags=\"\"><section class=\"comparison-calculator--container\"><div class=\"comparison-actions\"><div class=\"comparison-actions__filterAndSort\"><div id=\"portal-table-sort-button-mobile\" class=\"comparison-actions__tablesort\"><\/div><div id=\"portal-table-filter-button-mobile\" class=\"comparison-actions__filter\"><\/div><\/div><div id=\"portal-tableWithFilters__table\"><\/div><div class=\"u-grid u-grid--gutterCollapse templateTable__dateAndCounterContainer\"><div class=\"u-grid__col u-1\/2\"><small class=\"templateTable__counterContainer\"><span id=\"js-current_product_count-fbd04cb7-2320-473c-be3d-d2aa4fc1babf\">5 of 21 results<\/span><\/small><\/div><div class=\"u-grid__col u-1\/2 templateTable__lastUpdatedWithCounterContainer\"><span><a aria-label=\"Data updated\" class=\"disclaimer_popup u-color--foreground-main horizontal-promo-box__popup finder-modal-trigger\" data-modal-id=\"data_updated_popup\"><svg class=\"luna-icon luna-icon--small luna-icon--primary\"><use xlink:href=\"#info-circle\"><\/use><\/svg><span class=\"u-pl--1\">Updated\n\t\t\t\t\tdaily<\/span><\/a><\/span><span class=\"templateTable__shareMyFilters is-hidden@xs is-hidden@sm\"><a class=\"share-filters-link\"><svg class=\"luna-icon luna-icon--small\"><use xlink:href=\"#share-fat\"><\/use><\/svg><span class=\"u-pl--1\">Share<\/span><\/a><\/span><\/div><\/div><div class=\"comparison-actions__filterAndSort--sticky\"><div id=\"portal-table-sort-button-mobile-sticky\" class=\"comparison-actions__tablesort\"><\/div><div id=\"portal-table-filter-button-mobile-sticky\" class=\"comparison-actions__filter\"><\/div><\/div><\/div><form action=\"\" name=\"compareForm\" method=\"post\" class=\"js-compare-bar\" data-mobile-compare=\"true\" data-compareinfobox=\"\" data-compare-fieldset=\"compareInfobox\" data-niche=\"UKFSA-CUR\" data-site=\"UKFSA-CUR\" data-table-id=\"2366\" data-origin=\"straightforward-niche\" data-record-type=\"product\" data-redirect-tracking-params='{\"placement_type\":\"table\",\"site\":\"UKFSA-CUR\",\"fieldset\":\"newforfiltering\",\"template\":\"comparison\",\"category_id\":\"fbd04cb7-2320-473c-be3d-d2aa4fc1babf\",\"category_name\":\"basic-AERdesc\",\"is_sorted\":0,\"is_filtered\":0,\"cta_render_ts\":1779677789}'><div class=\"comparisonHistory__root\"><\/div><table class=\"comparison-table f1-clarity-header has-sidepeek js-paginated-table-sorter paginated-table-sorter    has-combined-column-header  combined-column-header-grid js-calculator-table rewards--container loyalty-rewards--container\" id=\"comparison-table-0000000000\" data-has-sidepeek=\"true\" data-rendered-as=\"table\" data-loadmore=\"true\" data-loadmore-version=\"1\" data-loadmore-id=\"1009\" data-niche=\"ukfsa-cur\" data-sorted=\"false\" data-sorting=\"\" data-pagination-nav=\"5\" data-pagination-nav-offset=\"0\" data-pagination-nav-next-offset=\"5\" data-pagination-nav-prev-offset=\"0\" data-product-count=\"21\" data-manual-sponsored-count=\"\" data-include-inactive=\"false\" data-user-filters data-table-filter-presets=\"28954782417a70a88ea72147b4d9beb26c6020f6769bf46e430b15d0accc4fde\" data-table-record-type=\"product\" data-table-record-ids='[\"066b5f10-2726-4a1b-b013-5d8f99c83c62\",\"090e4228-bb09-4213-81f5-e635f2b78ebb\",\"0a8044ea-53c6-4f10-a201-91789e727274\",\"1266d927-1929-44a6-8ee3-3983c9e5ab2e\",\"15a0638b-8893-4398-a47e-55e0757a1bac\"]' data-total-data=\"5\" data-enable-top-filters=\"false\" data-total-product-count=\"21\" data-sponsored-placements=\"3\" data-sponsored-field-code=\"DERIVED.AD_RANK\" data-sponsored-max-per-provider=\"1\" data-override-table-position-configuration=\"false\"><thead class=\"u-bg--background-secondary u-color--foreground-main\"><tr class=\"grid-column-count-5\"><th data-mobile=\"hide\" data-ajax-table-sorter-column=\"UKFSA-CUR.PRODUCT.DATAPOINT_FINDER_SCORE_V2_M\" class=\"comparison-table__feature default-sort-descending tablesorter-header tablesorter-headerUnSorted comparison-table__sortable th-combined-column-header\" data-field-targetable=\"\" data-sorter-title=\"finder_score\" data-ajax-table-sorter-default-direction=\"DESCENDING\">\n                                                        Finder Score\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th data-ajax-table-sorter-column=\"UKFSA-CUR.PRODUCT.DATAPOINT_ELIGIBILITY_ACCOUNTFEES_OVERRIDE\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"account_fees\">\n                                                        Account fees\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th data-ajax-table-sorter-column=\"UKFSA-CUR.PRODUCT.UKFSA_CUR_FUNDING_REQUIREMENT\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"funding_requirement\">\n                                                        Funding requirement\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th data-ajax-table-sorter-column=\"UKFSA-CUR.PRODUCT.UKFSA_CUR_AER_INTEREST\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"interest\">\n                                                        Interest (AER)\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th data-ajax-table-sorter-column=\"UKFSA-CUR.PRODUCT.UKFSA_CUR_ARRANGED_OD\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"arranged_overdraft\">\n                                                        Arranged overdraft\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th data-ajax-table-sorter-column=\"UKFSA-CUR.PRODUCT.UKFSA_CUR_KEY_BENEFITS_MF_PLAIN\" class=\"comparison-table__feature comparison-table__feature--longtext no-margin-bottom no-padding-bottom tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"incentive\">\n                                                        Incentive\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th data-ajax-table-sorter-column=\"UKFSA-CUR.PRODUCT.UKFSA_CUR_REP_EX\" class=\"comparison-table__feature comparison-table__feature--longtext tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"representative_example\">\n                                                        Representative example\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><\/tr><\/thead><tbody><style>\n\t.rewards-infobox .deals-banner { display:flex; flex-direction: row; border-radius: 16px; border:1px solid #000; overflow: hidden; }\n\t.rewards-infobox .deals-left { background:linear-gradient(103.63deg, #FFD23B 9.47%, #FFD835 16.17%, #FEDA3D 21.75%, #FEE053 29.57%, #FEEA77 39.61%, #FDF7A9 50.78%, #FDFFC4 56.36%, #FDF8AC 58.59%, #FDEE88 61.94%, #FEE669 65.29%, #FEE052 68.64%, #FEDB41 73.1%, #FED838 77.57%, #FFD835 83.15%, #FFD23B 89.85%); display:flex; flex-direction: column; align-items:center; justify-content:space-between; position: relative; width: 110px; cursor:pointer; }\n\t@media (min-width: 768px) { .rewards-infobox .deals-left { width: 110px; } }\n\t.rewards-infobox .deals-right { background:#1a50ff; color:#fff; padding: 8px; display:flex; flex-direction: column; gap:2px; justify-content:center; flex: 1; }\n\t@media (min-width: 768px) { .rewards-infobox .deals-right { padding: 8px; } }\n\t.rewards-infobox .deals-phone { position: absolute; top: 8px; left: 12px; }\n\t.rewards-infobox .deals-ends { color:#000; font-weight:800; font-size:12px; line-height:12px; padding:6px 10px; font-style: italic; border-radius: 9999px; display:inline-flex; align-items:center; text-transform: uppercase; display: none; }\n\t.rewards-infobox .deals-ends-text { padding-top: 2px; }\n\t.rewards-infobox .deals-header { display:flex; align-items:center; flex-wrap: nowrap; gap:4px; cursor:pointer; }\n\t.rewards-infobox .deals-amount { background:linear-gradient(103.63deg, #FFD23B 9.47%, #FFD835 16.17%, #FEDA3D 21.75%, #FEE053 29.57%, #FEEA77 39.61%, #FDF7A9 50.78%, #FDFFC4 56.36%, #FDF8AC 58.59%, #FDEE88 61.94%, #FEE669 65.29%, #FEE052 68.64%, #FEDB41 73.1%, #FED838 77.57%, #FFD835 83.15%, #FFD23B 89.85%); color:#232320; font-size:32px; line-height:28px; letter-spacing: -0.75px; text-transform: uppercase; padding: 2px 4px 0 2px; border-radius: 4px; font-style: italic; font-weight: bold; font-size: 30px; }\n\t.rewards-infobox .deals-title { color: white; text-transform: uppercase; font-style:italic; font-weight:bold; font-size:16px; flex: 1; }\n\t.rewards-infobox .deals-list { display:flex; flex-direction: column; flex-wrap: wrap; gap:2px; margin: 4px 0 2px; cursor:pointer; }\n\t@media (min-width: 768px) { .rewards-infobox .deals-list { flex-direction: row; row-gap: 4px; column-gap: 20px; } }\n\t.rewards-infobox .deals-step { display:flex; align-items: baseline; gap:4px; }\n\t.rewards-infobox .deals-step-num { background:#FFD23B; color:#000; display:inline-flex; align-items:center; justify-content:center; font-weight:bold; font-style: italic; border-radius:2px; font-size:12px; margin-top:2px; line-height: 12px; padding-top: 2px; min-width: 11px; }\n\t.rewards-infobox .deals-step-text { color:#fff; font-size:12px; line-height:16px; font-weight: bold; }\n\t.rewards-infobox .deals-disclaimer { color:#E8EEFF; font-size:12px; margin-top: 4px; width: fit-content; }\n\t.rewards-infobox .deals-disclaimer a { color:#BFD0FF; text-decoration: underline; font-size: 12px; }\n\t.rewards-infobox .rewards-end-date { font-size: 12px; }\n\t\n\t\t.rewards-infobox .deals-countdown {\n\t\tdisplay: flex;\n\t\talign-items: center;\n\t\tmargin-top: 8px;\n\t\tflex-wrap: wrap;\n\t}\n\n\t.rewards-infobox .deals-countdown__label {\n\t\tcolor: #fff;\n\t\tfont-size: 12px;\n\t\tfont-weight: 800;\n\t\tpadding-right: 6px;\n\t\twhite-space: nowrap;\n\t}\n\n\t.rewards-infobox .deals-countdown__timer {\n\t\tdisplay: flex;\n\t\talign-items: center;\n\t\tgap: 4px;\n\t}\n\n\t.rewards-infobox .deals-countdown__unit {\n\t\tdisplay: inline-flex;\n\t\talign-items: center;\n\t}\n\n\t.rewards-infobox .deals-countdown__value {\n\t\tbackground: #FFD238;\n\t\tcolor: #000;\n\t\tfont-size: 12px;\n\t\tfont-weight: 800;\n\t\ttext-align: center;\n\t\tfont-style: italic;\n\t\tmin-width: 24px;\n\t\tmin-height: 14px;\n\t\tline-height: 100%;\n\t\tletter-spacing: -0.025em;\n\t\tfont-feature-settings: 'tnum' on, 'lnum' on;\n\t\tpadding: 2px;\n\t}\n\n\t.rewards-infobox .deals-countdown__separator {\n\t\tcolor: #fff;\n\t\tfont-size: 16px;\n\t\tfont-weight: 600;\n\t}\n\n\t@media (max-width: 600px) {\n\t\t.rewards-infobox .deals-countdown__value {\n\t\t\tpadding: 2px;\n\t\t}\n\t}\n\n\t\ttd.comparison-table__feature--longtext div.comparison-table__cellWrapper { width: 100%; }\n\n\t\t@media (max-width: 600px) {\n\t\t.reward-col-order-3 { grid-row: 3 !important; }\n\t\t.reward-col-order-4 { grid-row: 4 !important; }\n\t\t.reward-col-order-5 { grid-row: 5 !important; }\n\t\t.reward-col-order-6 { grid-row: 6 !important; }\n\t\t.reward-col-order-7 { grid-row: 7 !important; }\n\t\t.reward-col-order-8 { grid-row: 8 !important; }\n\t\t.reward-col-order-neg-3 { grid-row: -3 !important; }\n\t\t.reward-col-order-neg-4 { grid-row: -4 !important; }\n\t\t.reward-col-order-neg-5 { grid-row: -5 !important; }\n\t\t.reward-col-order-neg-6 { grid-row: -6 !important; }\n\t\t.reward-col-order-neg-7 { grid-row: -7 !important; }\n\t\t.reward-col-order-neg-8 { grid-row: -8 !important; }\n\t}\n<\/style><style>\n  \/* Gold gradient on minimal UX reward rows (desktop only) *\/\n  @media (min-width: 601px) {\n    tr[data-minimal-ux=\"true\"][data-should-show-rewards=\"true\"] {\n      background: linear-gradient(45deg, rgba(255, 210, 59, 0) 76%, rgba(255, 210, 59, 0.5) 100%), #fff;\n      background-repeat: no-repeat;\n      background-size: 50% 50%;\n      background-position: top right;\n    }\n  }\n\n  tr[data-minimal-ux=\"true\"][data-should-show-rewards=\"true\"] > td.comparison-table__cta {\n    gap: 4px;\n    margin-top: 0 !important;\n  }\n\n  \/* Pill wrapper centered in CTA cell (td is display:grid with 3 columns) *\/\n  .rewards-pill-wrapper {\n    z-index: 3;\n    align-self: flex-end;\n    justify-self: flex-end;\n\n    @media (max-width: 600px) {\n      grid-column: 1 \/ -1;\n      text-align: center;\n      justify-self: unset;\n    }\n  }\n\n  \/* &#9472;&#9472; Base pill styles (original compact design) &#9472;&#9472; *\/\n  .rewards-pill {\n    display: inline-flex;\n    align-items: center;\n    gap: 6px;\n    background: linear-gradient(103.63deg, #FFD23B 9.47%, #FFD835 16.17%, #FEDA3D 21.75%, #FEE053 29.57%, #FEEA77 39.61%, #FDF7A9 50.78%, #FDFFC4 56.36%, #FDF8AC 58.59%, #FDEE88 61.94%, #FEE669 65.29%, #FEE052 68.64%, #FEDB41 73.1%, #FED838 77.57%, #FFD835 83.15%, #FFD23B 89.85%);\n    border: 1px solid #E6B40F;\n    border-radius: 4px 20px 20px 20px;\n    padding: 0px 8px 0px 2px;\n    cursor: pointer;\n    position: relative;\n    overflow: visible;\n    transition: filter 0.15s ease;\n    height: 24px;\n    box-sizing: border-box;\n\n    @media (max-width: 600px) {\n      box-shadow: 0 0 24px 0 rgba(255, 210, 59, 0.75);\n    }\n  }\n\n  .rewards-pill__shimmer {\n    position: absolute;\n    top: 0;\n    left: 0;\n    right: 0;\n    width: 100%;\n    height: 100%;\n    border-radius: 4px 20px 20px 20px;\n    overflow: hidden;\n    pointer-events: none;\n  }\n\n  .rewards-pill__shimmer::after {\n    content: '';\n    position: absolute;\n    top: 0;\n    width: 50%;\n    height: 100%;\n    background: linear-gradient(\n      90deg,\n      transparent 0%,\n      rgba(255, 255, 255, 0.5) 50%,\n      transparent 100%\n    );\n    animation: rewards-pill-shimmer 4s infinite;\n  }\n\n  .rewards-pill__icon {\n    z-index: 2;\n    display: flex;\n    align-items: center;\n    flex-shrink: 0;\n    position: relative;\n  }\n\n  .rewards-pill__icon-svg {\n    width: 44px;\n    height: 27.75px;\n    overflow: visible;\n  }\n\n  .rewards-pill__star {\n    position: absolute;\n    z-index: 4;\n    opacity: 0;\n    pointer-events: none;\n    width: 22px;\n    height: 22px;\n    top: 55%;\n    left: 3%;\n    margin-top: -19px;\n    margin-left: -6px;\n    animation: rewards-pill-star-rotate 4s infinite;\n  }\n\n  .rewards-pill__text {\n    font-size: 16px;\n    font-style: italic;\n    font-weight: 900;\n    text-transform: uppercase;\n    letter-spacing: 0px;\n    color: #092673;\n    z-index: 1;\n    line-height: 24px;\n    white-space: nowrap;\n  }\n\n  \/* &#9472;&#9472; New design overrides (data-show-tc=\"true\") &#9472;&#9472; *\/\n  .rewards-pill[data-show-tc=\"true\"] {\n    padding: 0px 10px 0px 4px;\n    border-radius: 4px 32px 32px 32px;\n    height: 38px;\n    align-items: center;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__shimmer {\n    border-radius: 4px 32px 32px 32px;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__icon-svg {\n    width: 68px;\n    height: 48px;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__star {\n    top: 0;\n    left: 0;\n    margin-top: 0;\n    margin-left: 0;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__text {\n    font-family: 'Modern Era', Arial, Helvetica, sans-serif;\n    font-weight: 900;\n    font-style: italic;\n    font-size: 16px;\n    line-height: 18px;\n    letter-spacing: 0;\n    text-align: center;\n    font-variant-numeric: lining-nums tabular-nums;\n    color: #092673;\n    white-space: nowrap;\n    text-transform: none;\n  }\n\n  .rewards-pill__content {\n    display: flex;\n    flex-direction: column;\n    justify-content: center;\n    z-index: 1;\n    height: 100%;\n    padding: 2px 0;\n    box-sizing: border-box;\n  }\n\n  .rewards-pill__tc {\n    font-family: 'Modern Era', Arial, Helvetica, sans-serif;\n    font-weight: 400;\n    font-style: normal;\n    font-size: 10px;\n    line-height: 130%;\n    letter-spacing: 0;\n    text-align: center;\n    font-variant-numeric: lining-nums tabular-nums;\n    text-decoration: underline;\n    text-decoration-style: solid;\n    color: #092673;\n    white-space: nowrap;\n  }\n\n  .rewards-pill__tc:hover {\n    opacity: 0.8;\n  }\n\n  @keyframes rewards-pill-shimmer {\n    0% {\n      transform: translateX(100%);\n    }\n    20% {\n      transform: translateX(-100%);\n    }\n    100% {\n      transform: translateX(-100%);\n    }\n  }\n\n  @keyframes rewards-pill-star-rotate {\n    0% {\n      opacity: 0;\n      transform: rotate(0deg) scale(0);\n    }\n    5% {\n      opacity: 1;\n      transform: rotate(45deg) scale(1);\n    }\n    15% {\n      opacity: 1;\n      transform: rotate(135deg) scale(1);\n    }\n    20% {\n      opacity: 0;\n      transform: rotate(180deg) scale(0);\n    }\n    100% {\n      opacity: 0;\n      transform: rotate(180deg) scale(0);\n    }\n  }\n\n  \/* Rewards Pill Countdown - wrapper layout for countdown + pill *\/\n  .rewards-pill-wrapper:has(.rewards-pill-countdown:not([hidden])) {\n    display: flex;\n    align-items: center;\n\n    @media (min-width: 601px) {\n      flex-direction: row;\n      gap: 10px;\n      margin-bottom: 6px;\n    }\n\n    @media (max-width: 600px) {\n      flex-direction: column;\n      gap: 12px;\n    }\n  }\n\n  .rewards-pill-countdown[hidden] {\n    display: none !important;\n  }\n\n  .rewards-pill-countdown {\n    font-family: 'Modern Era', Arial, sans-serif;\n    font-weight: 800;\n    font-size: 12px;\n    line-height: 100%;\n    letter-spacing: -0.025em;\n    font-variant-numeric: lining-nums tabular-nums;\n    color: #232320;\n    white-space: nowrap;\n    display: flex;\n    align-items: center;\n\n    @media (min-width: 601px) {\n      order: -1;\n    }\n\n    @media (max-width: 600px) {\n      justify-content: center;\n      margin-bottom: 8px;\n    }\n  }\n\n  .rewards-pill-countdown__timer {\n    display: inline;\n  }\n\n  .rewards-pill-countdown__sep {\n    margin: 0 1px;\n  }\n\n<\/style><tr data-product-id=\"066b5f10-2726-4a1b-b013-5d8f99c83c62\" data-provider-id=\"aa47e1db-7e25-4717-9797-700c3afc163f\" data-product-name=\"The Co-operative Bank Cashminder\" data-provider-name=\"The Co-operative Bank\" class=\"grid-column-count-5  mobile-column-count-4 mobile-row-count-9  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/coop-current-accounts\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/61c1e7bb69eab.png\" alt=\"The Co-operative Bank logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/61c1e7bb69eab.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/61c1e7bb69eab.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/61c1e7bb69eab.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/61c1e7bb69eab.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/61c1e7bb69eab.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><div class=\"finder-score-detail-heading\">Finder score<\/div><div class=\"detail-info \" style=\"cursor: pointer;\">Not yet rated<\/div><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/coop-current-accounts\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">The Co-operative Bank Cashminder<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                            first-row\n                                                                                                                        default-sort-descending\" data-mobile=\"hide\" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,ukfsa-cur.product.datapoint_finder_score_v2_m\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Finder Score\"><div class=\"finder-score-detail-heading\">Finder score<\/div><div class=\"detail-info \" style=\"cursor: pointer;\">Not yet rated<\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                                                                                                                                                                                                    \" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,ukfsa-cur.product.datapoint_eligibility_accountfees_override\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Account fees\">\n                        \u00a30\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,ukfsa-cur.product.ukfsa_cur_funding_requirement\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Funding requirement\">\n                        No minimum funding requirement <span class=\"table-popover\" rel=\"popover\" data-content=\"Some accounts require the account holder to pay in at least a specified minimum amount each month, academic term or year.\" title=\"\" data-original-title=\"More info\" tabindex=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                                                                                                                                          bottom-order-4\n                                                                                \" data-sortvalue=\"\" data-column-index=\"4\" data-decorator=\"text,ukfsa-cur.product.ukfsa_cur_aer_interest\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Interest (AER)\">\n                        0% AER\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        span-last-row\n                                                                                                                        rounded-bottom-left\n                                                            rounded-bottom-right\n                                                                                                                                                                            span-2\n                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"5\" data-decorator=\"text,ukfsa-cur.product.ukfsa_cur_arranged_od\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Arranged overdraft\">\n                        N\/A\n                                          <\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-5 bottom-order-5\"><div class=\"comparison-table__cellWrapper\"><style>  .comparison-table td.comparison-table__cta [data-heading]:before, .comparison-table td.comparison-table__cta br { display: none; }<\/style><a href=\"#\" class=\"js-comparison-table__view-details-button comparison-table__view-details-button\" title=\"Read More About The The Co-operative Bank Cashminder\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>More info<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-066b5f10-2726-4a1b-b013-5d8f99c83c62\" value=\"066b5f10-2726-4a1b-b013-5d8f99c83c62\" name=\"productID\" _productname=\"Finder scoreNot yet rated                            The Co-operative Bank Cashminder            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":0,\"badges\":[],\"productId\":\"066b5f10-2726-4a1b-b013-5d8f99c83c62\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-066b5f10-2726-4a1b-b013-5d8f99c83c62\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><tr data-product-id=\"090e4228-bb09-4213-81f5-e635f2b78ebb\" data-provider-id=\"83cae5b3-dd0d-43c0-9732-d62cdaf18112\" data-product-name=\"Santander Basic Current Account\" data-provider-name=\"Santander\" class=\"grid-column-count-5  mobile-column-count-4 mobile-row-count-9  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/santander-current-accounts\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/5df0e10735e7a.png\" alt=\"Santander logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5df0e10735e7a.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5df0e10735e7a.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5df0e10735e7a.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5df0e10735e7a.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5df0e10735e7a.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><div class=\"finder-score-detail-heading\">Finder score<\/div><div class=\"detail-info \" style=\"cursor: pointer;\">Not yet rated<\/div><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/santander-current-accounts\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Santander Basic Current Account<\/a><\/span><div class=\"gx-badge\"><span class=\"gx-badge__body generic-badge__body hasPopover\" data-content=\"\" data-html=\"true\"><span class=\"badge-text\">Cashback<\/span><\/span><\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                            first-row\n                                                                                                                        default-sort-descending\" data-mobile=\"hide\" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,ukfsa-cur.product.datapoint_finder_score_v2_m\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Finder Score\"><div class=\"finder-score-detail-heading\">Finder score<\/div><div class=\"detail-info \" style=\"cursor: pointer;\">Not yet rated<\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                                                                                                                                                                                                    \" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,ukfsa-cur.product.datapoint_eligibility_accountfees_override\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Account fees\">\n                        \u00a30\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,ukfsa-cur.product.ukfsa_cur_funding_requirement\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Funding requirement\">\n                        No minimum funding requirement <span class=\"table-popover\" rel=\"popover\" data-content=\"Some accounts require the account holder to pay in at least a specified minimum amount each month, academic term or year.\" title=\"\" data-original-title=\"More info\" tabindex=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                                                                                                                                          bottom-order-4\n                                                                                \" data-sortvalue=\"\" data-column-index=\"4\" data-decorator=\"text,ukfsa-cur.product.ukfsa_cur_aer_interest\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Interest (AER)\">\n                        0% AER\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        span-last-row\n                                                                                                                        rounded-bottom-left\n                                                            rounded-bottom-right\n                                                                                                                                                                            span-2\n                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"5\" data-decorator=\"text,ukfsa-cur.product.ukfsa_cur_arranged_od\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Arranged overdraft\">\n                        N\/A\n                                          <\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-5 bottom-order-5\"><div class=\"comparison-table__cellWrapper\"><style>  .comparison-table td.comparison-table__cta [data-heading]:before, .comparison-table td.comparison-table__cta br { display: none; }<\/style><a href=\"#\" class=\"js-comparison-table__view-details-button comparison-table__view-details-button\" title=\"Read More About The Santander Basic Current Account\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>More info<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-090e4228-bb09-4213-81f5-e635f2b78ebb\" value=\"090e4228-bb09-4213-81f5-e635f2b78ebb\" name=\"productID\" _productname=\"Finder scoreNot yet rated                            Santander Basic Current AccountCashback            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":0,\"badges\":[],\"productId\":\"090e4228-bb09-4213-81f5-e635f2b78ebb\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-090e4228-bb09-4213-81f5-e635f2b78ebb\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><tr data-product-id=\"0a8044ea-53c6-4f10-a201-91789e727274\" data-provider-id=\"d79dfc68-77c1-417a-94fe-efcb84c789e3\" data-product-name=\"Bank of Scotland Basic Account\" data-provider-name=\"Bank of Scotland\" class=\"grid-column-count-5  mobile-column-count-4 mobile-row-count-9  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/bank-of-scotland-current-accounts\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/5f44de9c54bae.png\" alt=\"Bank of Scotland logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5f44de9c54bae.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5f44de9c54bae.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5f44de9c54bae.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5f44de9c54bae.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5f44de9c54bae.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><div class=\"finder-score-detail-heading\">Finder score<\/div><div class=\"detail-info \" style=\"cursor: pointer;\">Not yet rated<\/div><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/bank-of-scotland-current-accounts\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Bank of Scotland Basic Account<\/a><\/span><div class=\"gx-badge\"><span class=\"gx-badge__body generic-badge__body hasPopover\" data-content=\"\" data-html=\"true\"><span class=\"badge-text\">Cashback<\/span><\/span><\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                            first-row\n                                                                                                                        default-sort-descending\" data-mobile=\"hide\" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,ukfsa-cur.product.datapoint_finder_score_v2_m\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Finder Score\"><div class=\"finder-score-detail-heading\">Finder score<\/div><div class=\"detail-info \" style=\"cursor: pointer;\">Not yet rated<\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                                                                                                                                                                                                    \" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,ukfsa-cur.product.datapoint_eligibility_accountfees_override\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Account fees\">\n                        \u00a30\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,ukfsa-cur.product.ukfsa_cur_funding_requirement\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Funding requirement\">\n                        No minimum funding requirement <span class=\"table-popover\" rel=\"popover\" data-content=\"Some accounts require the account holder to pay in at least a specified minimum amount each month, academic term or year.\" title=\"\" data-original-title=\"More info\" tabindex=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                                                                                                                                          bottom-order-4\n                                                                                \" data-sortvalue=\"\" data-column-index=\"4\" data-decorator=\"text,ukfsa-cur.product.ukfsa_cur_aer_interest\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Interest (AER)\">\n                        0% AER\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        span-last-row\n                                                                                                                        rounded-bottom-left\n                                                            rounded-bottom-right\n                                                                                                                                                                            span-2\n                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"5\" data-decorator=\"text,ukfsa-cur.product.ukfsa_cur_arranged_od\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Arranged overdraft\">\n                        N\/A\n                                          <\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-5 bottom-order-5\"><div class=\"comparison-table__cellWrapper\"><style>  .comparison-table td.comparison-table__cta [data-heading]:before, .comparison-table td.comparison-table__cta br { display: none; }<\/style><a href=\"#\" class=\"js-comparison-table__view-details-button comparison-table__view-details-button\" title=\"Read More About The Bank of Scotland Basic Account\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>More info<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-0a8044ea-53c6-4f10-a201-91789e727274\" value=\"0a8044ea-53c6-4f10-a201-91789e727274\" name=\"productID\" _productname=\"Finder scoreNot yet rated                            Bank of Scotland Basic AccountCashback            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":0,\"badges\":[],\"productId\":\"0a8044ea-53c6-4f10-a201-91789e727274\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-0a8044ea-53c6-4f10-a201-91789e727274\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><tr data-product-id=\"1266d927-1929-44a6-8ee3-3983c9e5ab2e\" data-provider-id=\"90020788-5aa0-408c-a68c-2a37210e5e37\" data-product-name=\"Monese Pay As You Go\" data-provider-name=\"Monese\" class=\"grid-column-count-5  mobile-column-count-4 mobile-row-count-9  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/5d3afaa33d22d.png\" alt=\"Monese logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5d3afaa33d22d.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5d3afaa33d22d.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5d3afaa33d22d.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5d3afaa33d22d.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5d3afaa33d22d.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><div class=\"finder-score-container\"><div class=\"finder-score-detail-heading\">Finder score<\/div><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"showFinderScoreModal('ukfsa-cur')\"><span class=\"score__badge score__badge--standard\"><span class=\"score__value\">6<\/span><\/span><span class=\"score__text-wrapper score__text score__text--standard\">Standard<\/span><\/a><\/div><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><span>Monese Pay As You Go<\/span><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                            first-row\n                                                                                                                        default-sort-descending\" data-mobile=\"hide\" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,ukfsa-cur.product.datapoint_finder_score_v2_m\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Finder Score\"><div class=\"finder-score-detail-heading\">Finder score<\/div><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"showFinderScoreModal('ukfsa-cur')\"><span class=\"score__badge score__badge--standard\"><span class=\"score__value\">6<\/span><\/span><span class=\"score__text-wrapper score__text score__text--standard\">Standard<\/span><\/a><\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                                                                                                                                                                                                    \" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,ukfsa-cur.product.datapoint_eligibility_accountfees_override\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Account fees\">\n                        \u00a30\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,ukfsa-cur.product.ukfsa_cur_funding_requirement\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Funding requirement\">\n                        No minimum funding requirement <span class=\"table-popover\" rel=\"popover\" data-content=\"Some accounts require the account holder to pay in at least a specified minimum amount each month, academic term or year.\" title=\"\" data-original-title=\"More info\" tabindex=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                                                                                                                                          bottom-order-4\n                                                                                \" data-sortvalue=\"\" data-column-index=\"4\" data-decorator=\"text,ukfsa-cur.product.ukfsa_cur_aer_interest\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Interest (AER)\">\n                        0% AER\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        span-last-row\n                                                                                                                        rounded-bottom-left\n                                                            rounded-bottom-right\n                                                                                                                                                                            span-2\n                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"5\" data-decorator=\"text,ukfsa-cur.product.ukfsa_cur_arranged_od\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Arranged overdraft\">\n                        N\/A\n                                          <\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-5 bottom-order-5\"><div class=\"comparison-table__cellWrapper\"><style>  .comparison-table td.comparison-table__cta [data-heading]:before, .comparison-table td.comparison-table__cta br { display: none; }<\/style><a href=\"#\" class=\"js-comparison-table__view-details-button comparison-table__view-details-button\" title=\"Read More About The Monese Pay As You Go\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>More info<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-1266d927-1929-44a6-8ee3-3983c9e5ab2e\" value=\"1266d927-1929-44a6-8ee3-3983c9e5ab2e\" name=\"productID\" _productname=\"Finder score 6Standard                            Monese Pay As You Go            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":6,\"badges\":[],\"productId\":\"1266d927-1929-44a6-8ee3-3983c9e5ab2e\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-1266d927-1929-44a6-8ee3-3983c9e5ab2e\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><tr data-product-id=\"15a0638b-8893-4398-a47e-55e0757a1bac\" data-provider-id=\"5f46aa58-3211-429f-bace-8fb9f07f89b8\" data-product-name=\"thinkmoney Everyday Account\" data-provider-name=\"thinkmoney\" class=\"grid-column-count-5  mobile-column-count-4 mobile-row-count-9  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/5eeb6cab5d1d3.png\" alt=\"thinkmoney logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5eeb6cab5d1d3.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5eeb6cab5d1d3.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5eeb6cab5d1d3.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5eeb6cab5d1d3.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5eeb6cab5d1d3.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><div class=\"finder-score-container\"><div class=\"finder-score-detail-heading\">Finder score<\/div><div class=\"detail-info \" style=\"cursor: pointer;\">Not yet rated<\/div><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><span>thinkmoney Everyday Account<\/span><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                            first-row\n                                                                                                                        default-sort-descending\" data-mobile=\"hide\" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,ukfsa-cur.product.datapoint_finder_score_v2_m\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Finder Score\"><div class=\"finder-score-detail-heading\">Finder score<\/div><div class=\"detail-info \" style=\"cursor: pointer;\">Not yet rated<\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                                                                                                                                                                                                    \" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,ukfsa-cur.product.datapoint_eligibility_accountfees_override\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Account fees\">\n                        \u00a30\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,ukfsa-cur.product.ukfsa_cur_funding_requirement\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Funding requirement\">\n                        No minimum funding requirement <span class=\"table-popover\" rel=\"popover\" data-content=\"Some accounts require the account holder to pay in at least a specified minimum amount each month, academic term or year.\" title=\"\" data-original-title=\"More info\" tabindex=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                                                                                                                                          bottom-order-4\n                                                                                \" data-sortvalue=\"\" data-column-index=\"4\" data-decorator=\"text,ukfsa-cur.product.ukfsa_cur_aer_interest\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Interest (AER)\">\n                        0% AER\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        span-last-row\n                                                                                                                        rounded-bottom-left\n                                                            rounded-bottom-right\n                                                                                                                                                                            span-2\n                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"5\" data-decorator=\"text,ukfsa-cur.product.ukfsa_cur_arranged_od\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Arranged overdraft\">\n                        N\/A\n                                          <\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-5 bottom-order-5\"><div class=\"comparison-table__cellWrapper\"><style>  .comparison-table td.comparison-table__cta [data-heading]:before, .comparison-table td.comparison-table__cta br { display: none; }<\/style><a href=\"#\" class=\"js-comparison-table__view-details-button comparison-table__view-details-button\" title=\"Read More About The thinkmoney Everyday Account\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>More info<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-15a0638b-8893-4398-a47e-55e0757a1bac\" value=\"15a0638b-8893-4398-a47e-55e0757a1bac\" name=\"productID\" _productname=\"Finder scoreNot yet rated                            thinkmoney Everyday Account            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":0,\"badges\":[],\"productId\":\"15a0638b-8893-4398-a47e-55e0757a1bac\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-15a0638b-8893-4398-a47e-55e0757a1bac\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><script>\n(function () {\n  window.isInfoBoxMutationObserverInitialized ??= false;\n  if (window.isInfoBoxMutationObserverInitialized) return;\n  window.isInfoBoxMutationObserverInitialized = true;\n\n  document.addEventListener(\"DOMContentLoaded\", () => {\n    function getLinkParams(anchor) {\n      const redirectUrl =\n        anchor.getAttribute(\"data-redirect-url\") || anchor.href || \"\";\n\n      try {\n        const url = new URL(redirectUrl);\n        const rawParams = url.searchParams.get(\"redirect_tracking_params\");\n\n        if (!rawParams) return;\n        const decoded = decodeURIComponent(rawParams);\n        const parsed = JSON.parse(decoded);\n        const { offer_id, niche_code, site, product_name, product_id } = parsed;\n\n        return {\n          redirectUrl,\n          offerId: offer_id,\n          niche: niche_code || site,\n          productName: product_name,\n          productId: product_id,\n        };\n      } catch (e) {\n        console.error(\"Failed to parse redirect_tracking_params\", e);\n      }\n    }\n\n    function initCountdownTimer(rewardsProduct, endDateStr) {\n      const countdownEl = rewardsProduct.querySelector(\".deals-countdown\");\n      \n      if (!countdownEl || !endDateStr) return;\n\n      const daysEl = countdownEl.querySelector(\"[data-countdown-days]\");\n      const hoursEl = countdownEl.querySelector(\"[data-countdown-hours]\");\n      const minutesEl = countdownEl.querySelector(\"[data-countdown-minutes]\");\n      const secondsEl = countdownEl.querySelector(\"[data-countdown-seconds]\");\n\n      let countdownInterval;\n\n      const updateCountdown = () => {\n        const now = new Date().getTime();\n        const endTime = new Date(endDateStr).getTime();\n        const distance = endTime - now;\n\n        if (distance < 0) {\n          \/\/ Countdown finished\n          if (daysEl) daysEl.textContent = \"00d\";\n          if (hoursEl) hoursEl.textContent = \"00h\";\n          if (minutesEl) minutesEl.textContent = \"00m\";\n          if (secondsEl) secondsEl.textContent = \"00s\";\n          if (countdownInterval) {\n            clearInterval(countdownInterval);\n          }\n          return;\n        }\n\n        const days = Math.floor(distance \/ (1000 * 60 * 60 * 24));\n        const hours = Math.floor((distance % (1000 * 60 * 60 * 24)) \/ (1000 * 60 * 60));\n        const minutes = Math.floor((distance % (1000 * 60 * 60)) \/ (1000 * 60));\n        const seconds = Math.floor((distance % (1000 * 60)) \/ 1000);\n\n        if (daysEl) daysEl.textContent = days.toString().padStart(2, \"0\") + \"d\";\n        if (hoursEl) hoursEl.textContent = hours.toString().padStart(2, \"0\") + \"h\";\n        if (minutesEl) minutesEl.textContent = minutes.toString().padStart(2, \"0\") + \"m\";\n        if (secondsEl) secondsEl.textContent = seconds.toString().padStart(2, \"0\") + \"s\";\n      };\n\n      \/\/ Update immediately\n      updateCountdown();\n\n      \/\/ Update every second\n      countdownInterval = setInterval(updateCountdown, 1000);\n\n      \/\/ Store interval ID to clear it later if needed\n      rewardsProduct.dataset.countdownInterval = countdownInterval;\n    }\n\n    const initRewards = (table) => {\n      if (!table) return;\n\n      const recordIdsAttr = table.getAttribute(\"data-table-record-ids\");\n      if (!recordIdsAttr) return;\n\n      let productIds = [];\n      try {\n        const decoded = recordIdsAttr.replace(\/&quot;\/g, '\"');\n        productIds = JSON.parse(decoded);\n      } catch (e) {\n        return;\n      }\n\n      if (!productIds.length) return;\n\n      productIds.forEach((productId) => {\n        \/\/ Handle pill clicks (minimal UX variant) - independent of infobox\n        const pill = table.querySelector(\n          `tr[data-product-id=\"${productId}\"] .rewards-pill`\n        );\n        if (pill && !pill.dataset.bound) {\n          pill.dataset.bound = \"true\";\n          pill.addEventListener(\"click\", () => {\n            const row = pill.closest(\"tr\");\n            if (!row) return;\n\n            const cta = row.querySelector(\".rewards--cta\");\n            if (!cta) return;\n\n            const linkParams = getLinkParams(cta);\n            if (!linkParams) return;\n\n            const pillModalParams = {\n              productId: linkParams.productId,\n              campaignName: row.getAttribute(\"data-rewards-campaign-name\") || \"\",\n              redirectUrl: linkParams.redirectUrl,\n              productName: linkParams.productName,\n              providerName: row.getAttribute(\"data-provider-name\") || \"\",\n              niche: linkParams.niche,\n              offerId: linkParams.offerId,\n              component: \"infobox\",\n            };\n\n            if (\n              window.rewards &&\n              typeof window.rewards.displayModal === \"function\"\n            ) {\n              window.rewards.displayModal(pillModalParams, false, cta);\n            }\n          });\n        }\n\n        const rewardsProduct = table.querySelector(\n          `div[data-rewards-product-id=\"${productId}\"]:not([data-rewards-banner-attached])`\n        );\n        if (!rewardsProduct) return;\n\n        const endDateStr = rewardsProduct.getAttribute(\"data-end-date\");\n        if (!endDateStr) return;\n\n        \/\/ Format date for Australian locale (dd MMM yyyy)\n        const formattedDate = new Intl.DateTimeFormat(\"en-AU\", {\n          day: \"2-digit\",\n          month: \"short\",\n          year: \"numeric\",\n        }).format(new Date(endDateStr));\n\n        const endDateEl = rewardsProduct.querySelector(\".rewards-end-date\");\n        if (endDateEl && endDateEl.textContent !== formattedDate) {\n          endDateEl.textContent = ` ${formattedDate}`;\n        }\n\n        \/\/ Calculate days remaining\n        const days = Math.ceil((new Date(endDateStr) - new Date()) \/ 86400000);\n\n        \/\/ Show \"Ends Soon\" badge if campaign ends within 7 days\n        if (days <= 7 && days > 0) {\n          const dealsEndsEl = rewardsProduct.querySelector(\".deals-ends\");\n          const dealsPhoneEl = rewardsProduct.querySelector(\".deals-phone\");\n\n          if (dealsEndsEl && dealsEndsEl.style.display !== \"inline-flex\") {\n            dealsEndsEl.style.display = \"inline-flex\";\n          }\n          if (dealsPhoneEl && dealsPhoneEl.style.top !== \"23px\") {\n            dealsPhoneEl.style.top = \"23px\";\n          }\n        }\n\n        \/\/ Initialize countdown timer\n        initCountdownTimer(rewardsProduct, endDateStr);\n\n        const dealsLeftEl = rewardsProduct.querySelector(\".deals-left\");\n        const dealsList = rewardsProduct.querySelector(\".deals-list\");\n        const dealsHeader = rewardsProduct.querySelector(\".deals-header\");\n\n        const handleClick = (triggerEl) => {\n          const row = triggerEl.closest(\"tr\");\n\n          if (!row) return;\n\n          const cta = row.querySelector(\".rewards--cta\");\n\n          if (!cta) return;\n\n          const linkParams = getLinkParams(cta);\n          if (!linkParams) return;\n\n          const { productId, redirectUrl, productName, niche, offerId } = linkParams;\n\n      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loading-pulse--primary\">loading<\/span><\/div><\/div><div class=\"comparison-table__paginationContainer comparison-table__loadMoreContainer \"><div class=\"comparison-table__loadMore comparison-table__paginationNav\"><button class=\"luna-button luna-button--primary js-comparison-table__showMore\" type=\"button\" data-offset=\"5\">Load More<\/button><div class=\"js-show-more-data_count-fbd04cb7-2320-473c-be3d-d2aa4fc1babf comparison-table__dataCount\">Showing\n\t\t\t5\n\t\t\tof\n\t\t\t21\n\t\t\tresults\t\t<\/div><\/div><\/div><\/form><\/section><\/div><div id=\"compare-bar-v2\" class=\"compareBarV2__root rewards--container loyalty-rewards--container\" data-niche=\"UKFSA-CUR\" data-rewards-component=\"compare-products\"><\/div><div class=\"product-modal\"><section class=\"luna-modal is-invisible\" aria-hidden=\"false\" role=\"dialog\" id=\"alternative-products-modal\" aria-labelledby=\"alternative-products-modal-heading\" aria-describedby=\"modal-content\" tabindex=\"-1\"><div class=\"luna-modal__content\"><button class=\"luna-modal__close\" type=\"button\" aria-label=\"Close modal\"><svg class=\"luna-icon\" aria-hidden=\"true\"><use xlink:href=\"#x\"><\/use><\/svg><\/button><div class=\"luna-modal__body\" id=\"modal-content\"><div class=\"luna-modal__wrapper\"><h4 class=\"modal-heading\" id=\"alternative-products-modal-heading\">Compare other products<\/h4><div class=\"cta-modal__body\"><p class=\"cta-modal__intro-text\">We currently don't have that product, but here are others to consider:<\/p><div class=\"cta-modal__cards-container\"><\/div><span class=\"cta-modal__popover table-popover\" rel=\"popover\" data-placement=\"top\" data-content=\"This list shows products with some similar features to the one you selected. It is not a recommendation or suggestion to purchase any product. Always check details and get independent advice to make sure any product suits your own needs before applying.\">How we picked these<\/span><\/div><\/div><\/div><\/div><\/section><\/div><div class=\"finder-score-methodology\"><h3 data-toc=\"false\" id=\"finder-score-methodology\">Finder Score for bank accounts<\/h3>\n\n<p>To make comparing even easier we came up with the <a href=\"https:\/\/www.finder.com\/uk\/finder-score\">Finder Score<\/a>. 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 \u2013 simple.<\/p>\n\n<a class=\"luna-button luna-button--primary has-margin-bottom\" href=\"https:\/\/www.finder.com\/uk\/digital-banking\/banking-apps-ratings-methodology\">Read the full methodology<\/a><\/div>\n    <\/div>\n<\/div>\n    <\/div>\n<h3>What is a basic bank account?<\/h3><p>Basic bank accounts are stripped-back accounts with fewer features \u2013 most notably without an overdraft facility. These accounts are made available to customers with poor credit scores. In fact, they\u2019re typically available without the need for a credit search.<\/p><p>With basic bank accounts, you will still be able to set up direct debits and standing orders. In most cases, you\u2019ll also be given a debit card and access to online and telephone banking.<\/p><p>There are no monthly fees with these accounts. However, you shouldn\u2019t expect to earn interest on credit balances or receive an overdraft. Additionally, perks like cashback are much rarer (although not unheard of) on basic accounts.<\/p><h3>Who can open a basic bank account?<\/h3><p>The main selling point of basic bank accounts is that they have wider eligibility criteria. If you are a UK resident, you should be able to open one of these accounts. Learn more about <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/foreigners-open-a-bank-account-in-uk\">opening a bank account as a non-UK resident<\/a>.<\/p><h3>Requirements to open a basic bank account<\/h3><p>In most cases, you can open a basic bank account with proof of ID and proof of address. You\u2019ll need to be at least 16 years old (with the exception of Metro Bank\u2019s Cash Account that can be opened by those aged 11 and older). Read our guides to find out more about opening an account if you do not have <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/how-to-open-a-bank-account-without-id-in-the-uk\">proof of ID<\/a> or <a href=\"https:\/\/www.finder.com\/uk\/digital-banking\/opening-a-bank-account-in-the-uk-without-a-proof-of-address\">proof of address<\/a>.<\/p><p>In some cases, you won\u2019t need to pass a credit check to open an account. Even if you do, those with low credit scores are still likely to pass.<\/p><h3>How to manage a basic bank account<\/h3><p>Most basic bank accounts come with a debit card and online banking, just like regular bank accounts.<\/p><h3>Alternatives to basic bank accounts<\/h3><p>If you\u2019re looking for a simple way to open a bank account, but with more flexibility in managing your money, you may want to consider opening an account with a digital-only challenger bank.<\/p><p>You could try a digital bank like <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/starling-bank-review\">Starling<\/a><span> <\/span>or<span> <\/span><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/revolut-review\">Revolut<\/a>. The application process can be completed by downloading the respective app, making it quick and hassle-free, and you may not need to undergo a credit check for a simple account without an overdraft facility.<\/p><p>Like a high-street bank, these online-only providers offer Financial Services Compensation Scheme protection, meaning that if the bank ever hits financial trouble, your deposits are protected up to \u00a3120,000 per person per financial institution. <\/p><p>With Starling, you can choose from a personal account that charges no fees for overseas ATM withdrawals or transactions. With Revolut, as well as all the regular functions of a basic current account, you have the flexibility to transfer money abroad in more than 30 currencies with the interbank exchange rate and its multi-currency card lets you hold up to 30 currencies at a time.<\/p><p>While these banks don\u2019t have physical branches, you can manage your account via the bank\u2019s smartphone app, using live chat messages and in some cases telephone services. It\u2019s also worth noting that Starling allows its personal account customers to deposit money via the Post Office network.<\/p><p>There are also UK banking providers who specialise in offering <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/bank-accounts-for-bad-credit\">personal accounts that you can open without a credit check<\/a>, such as <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/zempler-review\">Zempler<\/a> and <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/thinkmoney-review\">thinkmoney<\/a> though these accounts come with a fee. <\/p><h3>Pros and cons of Basic Bank Accounts<\/h3><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>Relaxed eligibility criteria.<\/li>\n                                    <li>Debit cards and online banking are usually available.<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>All features and perks are stripped back.<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<h3>Bottom line<\/h3><p>Basic bank accounts are not as good as regular bank accounts. However, these can be a life-saver for those who have been rejected for any other type of account due to a poor credit score.<\/p><p>Once you have started to <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/improve-your-credit-score\">improve your credit score<\/a>, it\u2019s recommended that you switch from a basic account to <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\">a regular bank account<\/a>, so you can take advantage of the extra features available.<\/p><h3 id=\"faqs\">Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Do you get a debit card with a basic bank account?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes, most basic bank accounts give you a debit card.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">How long does it take to open a basic bank account?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>You can switch to a basic bank account using the Current Account Switch Service (CASS), which guarantees you a seamless switch within 7 working days. You can expect to open most basic bank accounts within this time, even if you\u2019re not switching from another service. <\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">How much does a basic bank account cost?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>There are rarely any fees associated with a basic bank account.<\/p><\/div>\n  <\/div>\n<\/li><\/ul>\n\n\n<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Discover what a basic bank account is and how they compare to other types of bank accounts.<\/p>\n","protected":false},"author":645,"featured_media":304086,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"post_is_fact_checked":"false","post_co_author":"-1","post_co_author_date":null,"post_co_author_manual_date_checked":null,"post_reviewer":"-1","post_reviewer_date":"","post_reviewer_manual_date_checked":null,"post_editor":"-1","post_editor_date":null,"post_author_date":"","post_author_manual_date_checked":"false","footnotes":""},"categories":[3763],"tags":[3750],"asset_tag":[],"class_list":["post-371772","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-current-accounts","tag-money-latest-3"],"apple_news_notices":[],"yoast_head":"<!-- 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