Live offers across tracked providers in United Kingdom — updated daily from the Giraffy database.
Live offers
63 live offers compared from 32 providers, from £0 /month. Updated daily.
Spend & Save account TSB
£0 /month
Everyday banking current account. Fast and secure login with face or fingerprint, Round up spare change with Save the Pennies, Organise savings with Savings Pots, Full control of digital or physical cards
- Account Type: Everyday banking
- Monthly Fee: Free
- Overdraft Rate: 39.9% EAR
- Switching Bonus: £5 Make 20 or more debit card payments in a calendar month. Cashback available for up to the first 6 months on Spend & Save account (unlimited on Spend & Save Plus account).
- Debit Card: Visa debit card
- Linked Savings: Savings Pots (up to 5), Monthly Saver
- Rewards: Savings Pots 1.70%
- Rewards: Monthly Saver 5.00% Fixed for 12 months when you save £25 to £250 each month
Student bank account TSB
£0 /month
Student current account. Day-to-day banking on the go through TSB App, Internet Banking, Mobile Banking, Telephone Banking
- Account Type: Student
- Monthly Fee: Free
- Overdraft Rate: 0% (interest-free)
- Fee-Free Overdraft: £1,500
- In-Credit Interest: AER 5% £500 maximum balance
- Debit Card: Visa student debit card
- Rewards: Credit Balance (in credit) 5.00% Up to £500 balance
- Tutela del deposito: FSCS — up to £85,000
FlexDirect current account Nationwide
£0 /month
Rewards current account. Manage money, control card, bank and buy securely, keep track with alerts, pay contactless, chat 24/7, online and phone banking
- Account Type: Rewards
- Monthly Fee: Free
- Overdraft Rate: 39.9% EAR
- Fee-Free Overdraft: £50
- In-Credit Interest: AER 5% 5% AER (4.89% gross) on balances up to £1,500 for 12 months, then 1% AER (0.99% gross)
- Switching Bonus: £175 Switch a non-Nationwide bank account, complete a full switch using the Current Account Switch Service, move over at least 2 Direct Debits, complete the switch within 28 days, within 31 days pay in at least £1,000 and make 1 debit card payment. First
- Debit Card: Visa debit card
- Linked Savings: Flex Regular Saver, Flex Instant Saver
FlexStudent bank account Nationwide
£0 /month
Student current account. Rated 4.8 stars. Manage your money, control your card, bank and buy securely with fingerprint or face login
- Account Type: Student
- Monthly Fee: Free
- Overdraft Rate: 0% (interest-free)
- Debit Card: Visa debit card
- International Fees: No foreign transaction fee
- Linked Savings: Flex Regular Saver
- Tutela del deposito: FSCS — up to £85,000
Premier Bank Account HSBC UK
£0 /month
Premium current account.
- Account Type: Premium
- Monthly Fee: Free
- Overdraft Rate: 39.9% EAR
- Fee-Free Overdraft: £500
- Switching Bonus: £750 Open a Premier account by 23 Feb 2026, and by 30 Apr 2026 switch your bank account and salary of £100k+ using the Current Account Switch Service for £250; and / or transfer £100k+ of savings / investments, and maintain your balance for 3 months for £
- Tutela del deposito: FSCS — up to £85,000
M Account Virgin Money
£0 /month
Basic bank account current account. App to check balance, see transactions, make payments, manage Savings Pots, Apple Pay and Google Pay support
- Account Type: Basic bank account
- Monthly Fee: Free
- In-Credit Interest: AER 1.75% up to £25,000 balance on linked M Saver (1.75% AER on balances up to £25,000, 1.25% AER on balances above £25,000)
- Debit Card: Contactless debit card that works worldwide
- International Fees: No foreign transaction fee
- Linked Savings: M Saver
- Rewards: Cashback VariableCashback when you spend with well-known brands
- Tutela del deposito: FSCS — up to £85,000
Santander Edge® Explorer current account Santander UK
£0 /month
Premium current account. Mobile Banking app, Online Banking, contactless payments with mobile
- Account Type: Premium
- Monthly Fee: Free
- Overdraft Rate: 39.94% EAR
- Switching Bonus: £200 Not available if you held a Santander current account on 1 January 2025. Or if you have received a Santander switcher incentive before. Complete switch within 60 days, have at least 2 active selected household Direct Debits and pay in £1,500.
- Debit Card: Mastercard
- International Fees: No foreign transaction fee; No charge for cash withdrawals abroad
- Linked Savings: Santander Edge saver (6.00% AER / 5.84% gross variable interest on balances up to £4,000, includes 2.50% AER / 2.47% gross variable bonus for first 12 months)
- Rewards: Household bills (Direct Debit) 1% £10 per month
Student Additions Account Barclays
£0 /month
Student banking current account. Money management tools, spending tracking, payment freezing, card controls, instant notifications, Digital wallets (Apple Pay, Google Pay, Samsung Pay), Payment alerts
- Account Type: Student banking
- Monthly Fee: Free
- Overdraft Rate: 0% (interest-free)
- Debit Card: Visa debit card
- Tutela del deposito: FSCS — up to £85,000
Select Account NatWest
£0 /month
Everyday banking current account. Join other accounts, Favourite payees, Round Ups, Free credit score, Apple Pay, Google Pay, Contactless
- Account Type: Everyday banking
- Monthly Fee: Free
- Overdraft Rate: 39.49% EAR
- Switching Bonus: £150 Switch to Select or Reward account by 28 May 2026, switch completed by 16 June 2026, pay in £1,250 within 60 days of switching (remain in account 24 hours), log in to mobile app within 60 days
- Debit Card: Debit card
- Linked Savings: Digital Regular Saver
- Tutela del deposito: FSCS — up to £85,000
Select Account Royal Bank of Scotland
£0 /month
Everyday banking current account.
- Account Type: Everyday banking
- Monthly Fee: Free
- Overdraft Rate: 39.49% EAR
- Switching Bonus: £150 Switch using CASS, pay in £1,250/month, use mobile app within 60 days
- Tutela del deposito: FSCS — up to £85,000
FlexAccount current account Nationwide
£0 /month
Everyday banking current account. Rated 4.8 stars. Manage your money, control your card, bank and buy securely with fingerprint or face login
- Account Type: Everyday banking
- Monthly Fee: Free
- Overdraft Rate: 39.9% EAR
- Fee-Free Overdraft: £50
- Switching Bonus: £175 Switch a non-Nationwide bank account, complete a full switch using the Current Account Switch Service, move over at least 2 Direct Debits, complete the switch within 28 days, within 31 days pay in at least £1,000 and make 1 debit card payment. First
- Debit Card: Visa debit card
- Linked Savings: Flex Regular Saver, Flex Instant Saver
- Tutela del deposito: FSCS — up to £85,000
M Plus Account Virgin Money
£0 /month
Everyday banking current account. App with everything you need to manage your money, Apple Pay and Google Pay
- Account Type: Everyday banking
- Monthly Fee: Free
- In-Credit Interest: AER 1% 1.00% AER on balances up to £1,000
- Debit Card: Debit card
- International Fees: No foreign transaction fee; No fees
- Linked Savings: M Plus Saver
- Rewards: Cashback VariableCashback on spending
- Tutela del deposito: FSCS — up to £85,000
1st Account first direct
£0 /month
Everyday banking current account. Mobile app available, Virtual card for immediate use
- Account Type: Everyday banking
- Monthly Fee: Free
- Overdraft Rate: 0% (interest-free)
- Fee-Free Overdraft: £250
- Tutela del deposito: FSCS — up to £85,000
Santander Edge® current account Santander UK
£0 /month
Everyday banking current account. Freeze card, block online transactions, view PIN/card details, Mobile Banking app available
- Account Type: Everyday banking
- Monthly Fee: Free
- Overdraft Rate: 39.94% EAR
- Switching Bonus: £200 Not available if you held a Santander current account on 1 January 2025. Or if you have received a Santander switcher incentive before. Complete switch within 60 days, have at least 2 active selected household Direct Debits and pay in £1,500.
- Debit Card: Mastercard
- International Fees: No foreign transaction fee; No charge for cash withdrawals abroad
- Linked Savings: Santander Edge saver (6.00% AER / 5.84% gross variable interest on balances up to £4,000, includes 2.50% AER / 2.47% gross variable bonus for first 12 months)
- Rewards: Household bills (Direct Debit) 1% £10 per month
Santander Edge Student current account Santander UK
£0 /month
Student current account. Mobile Banking app, Online Banking, contactless payments with mobile, Santander Boosts
- Account Type: Student
- Monthly Fee: Free
- Overdraft Rate: 0% (interest-free)
- Debit Card: Debit card
- International Fees: No charge for cash withdrawals at Santander cash machines abroad
- Linked Savings: Access to Regular Saver (5.00% AER/gross fixed for first 12 months when you pay in up to £200 a month)
- Tutela del deposito: FSCS — up to £85,000
Classic Account Lloyds Bank
£0 /month
Everyday banking current account. See future bills and payments, Request a payment, Block or cancel subscriptions, Manage cards & view PIN, Biometrics & security, 24/7 messaging support
- Account Type: Everyday banking
- Monthly Fee: Free
- Overdraft Rate: 29.9% EAR
- Debit Card: Visa debit card
- Linked Savings: Yes - eligible Lloyds savings accounts for Save the Change
- Rewards: Cashback 15%
- Tutela del deposito: FSCS — up to £85,000
Student Current Account Lloyds Bank
£0 /month
Student current account. See future bills and payments, Request a payment, Block or cancel subscriptions, Manage cards & view PIN, Biometrics & security, 24/7 messaging support
- Account Type: Student
- Monthly Fee: Free
- Overdraft Rate: 0% (interest-free)
- Fee-Free Overdraft: £1,500
- Debit Card: Visa debit card
- Rewards: Cashback 15%
- Tutela del deposito: FSCS — up to £85,000
Barclays Bank Account Barclays
£0 /month
Everyday banking current account. Money management tools, spending tracking, card controls, instant notifications, Digital wallets (Apple Pay, Google Pay, Samsung Pay), Travel Wallet
- Account Type: Everyday banking
- Monthly Fee: Free
- Switching Bonus: £400 Open a Premier Current Account with us in the Barclays app using the Current Account Switch Service by 30 April 2026. (1) use the Barclays app to open a sole Premier Current Account (eligibility criteria apply), (2) initiate a full switch (including
- Debit Card: Visa debit card (personalizable)
- Tutela del deposito: FSCS — up to £85,000
Premier Current Account Barclays
£0 /month
Premium banking current account. Higher payment limits, money management tools, spending tracking, instant notifications, Digital wallets (Apple Pay, Google Pay, Samsung Pay), Travel Wallet, Smart Investor access, Insurance packs
- Account Type: Premium banking
- Monthly Fee: Free
- Overdraft Rate: 35% EAR
- Fee-Free Overdraft: £500
- Switching Bonus: £400 Open a sole Premier Current Account with us in the Barclays app using the Current Account Switch Service by 30 April 2026. (1) use the Barclays app to open a sole Premier Current Account (eligibility criteria apply), (2) initiate a full switch (inclu
- Debit Card: Exclusive black debit card (or personalizable)
- Tutela del deposito: FSCS — up to £85,000
Barclays Basic Current Account Barclays
£0 /month
Basic banking current account. Money management tools, spending tracking, account management, text alerts, payments management
- Account Type: Basic banking
- Monthly Fee: Free
- Debit Card: Visa debit card or cash card
- Tutela del deposito: FSCS — up to £85,000
Reward Account NatWest
£0 /month
Rewards current account. Mobile app login for Rewards
- Account Type: Rewards
- Monthly Fee: Free
- Overdraft Rate: 39.49% EAR
- Switching Bonus: £150 Switch to Select or Reward account by 28 May 2026, switch completed by 16 June 2026, pay in £1,250 within 60 days of switching (remain in account 24 hours), log in to mobile app within 60 days
- Debit Card: Debit card
- Linked Savings: Digital Regular Saver
- Rewards: Direct Debits (2 or more at least £2) £4 per month
- Rewards: Mobile app login £1 per month
Reward Silver Account NatWest
£0 /month
Packaged bank account current account. Mobile app login for Rewards
- Account Type: Packaged bank account
- Monthly Fee: Free
- Overdraft Rate: 39.49% EAR
- Debit Card: Debit card
- International Fees: No foreign transaction fee
- Rewards: Direct Debits (2 or more at least £2) £4 per month
- Rewards: Mobile app login £1 per month
- Rewards: Partner retailer spending 1% back in Rewards
Reward Platinum Account NatWest
£0 /month
Packaged bank account current account. Mobile app login for Rewards, Apple Pay, Google Pay, Contactless
- Account Type: Packaged bank account
- Monthly Fee: Free
- Overdraft Rate: 39.49% EAR
- Debit Card: Debit card
- International Fees: No foreign transaction fee
- Rewards: Direct Debits (2 or more at least £2) £4 per month
- Rewards: Mobile app login £1 per month
- Rewards: Partner retailer spending 1% back in Rewards
Student Account NatWest
£0 /month
Student current account. Add money from other banks, Free credit score, Get cash without debit card, Round Ups savings
- Account Type: Student
- Monthly Fee: Free
- Overdraft Rate: 0% (interest-free)
- Debit Card: Debit card
- Tutela del deposito: FSCS — up to £85,000
Monzo Personal Monzo
£0 /month
Everyday banking current account. Spending insights, Pots, Direct Debit alerts, Bill splitting, Virtual cards (with Extra), Connected banks
- Account Type: Everyday banking
- Monthly Fee: Free
- Fee-Free Overdraft: £2,000
- In-Credit Interest: AER 2.75%
- Debit Card: Physical debit card
- International Fees: No foreign transaction fee; 0 for up to £200 every 30 days, then 3%
- Tutela del deposito: FSCS — up to £85,000
Monzo Extra Monzo
£0 /month
Everyday banking current account. Connected banks and credit cards, Virtual cards, Advanced roundups, Custom categories, Auto-spreadsheet, Credit insights (2 scores: TransUnion and Equifax), Billsback™
- Account Type: Everyday banking
- Monthly Fee: Free
- In-Credit Interest: AER 2.75%
- Tutela del deposito: FSCS — up to £85,000
Monzo Perks Monzo
£0 /month
Rewards/Premium current account.
- Account Type: Rewards/Premium
- Monthly Fee: Free
- In-Credit Interest: AER 3.25%
- Rewards: Weekly Greggs treat £1 per week
- Rewards: Annual Railcard £1 per year
- Rewards: Monthly cinema ticket at Vue £1 per month
- Rewards: Annual Uber One membership £1 per year
- Tutela del deposito: FSCS — up to £85,000
Monzo Max Monzo
£0 /month
Premium current account.
- Account Type: Premium
- Monthly Fee: Free
- In-Credit Interest: AER 3.25%
- Rewards: Weekly Greggs treat £1 per week
- Rewards: Annual Railcard £1 per year
- Rewards: Monthly cinema ticket at Vue £1 per month
- Rewards: Annual Uber One membership £1 per year
- Tutela del deposito: FSCS — up to £85,000
Chase Current Account Chase
£0 /month
Everyday banking current account. Real-time insights, 24/7 support, No fees overseas, Numberless card, Mobile wallet
- Account Type: Everyday banking
- Monthly Fee: Free
- Debit Card: Numberless debit card
- International Fees: No foreign transaction fee
- Rewards: Cashback on groceries, everyday transport and fuel 1% £15 per month for first year as new customer
- Tutela del deposito: FSCS — up to £85,000
Triodos Current Account Triodos
£0 /month
Ethical banking current account.
- Account Type: Ethical banking
- Monthly Fee: Free
- Tutela del deposito: FSCS — up to £85,000
Starling Personal Current Account Starling Bank
£0 /month
Everyday banking current account. Spaces (virtual pots), Spending Insights, Bills manager, Virtual cards, Settle Up, Instant alerts, Round Ups, Gambling block, International payments
- Account Type: Everyday banking
- Monthly Fee: Free
- Overdraft Rate: 15% EAR
- Fee-Free Overdraft: £5,000
- Debit Card: Physical debit card made from 95% recycled plastic, Mobile wallet
- International Fees: No foreign transaction fee; Free
- Tutela del deposito: FSCS — up to £85,000
Bank Account HSBC UK
£0 /month
Everyday banking current account. Mobile Banking app with payment, cheque deposit, freeze/unfreeze card, view all HSBC products, digital wallets (Apple Pay, Samsung Pay, Google Pay)
- Account Type: Everyday banking
- Monthly Fee: Free
- Overdraft Rate: 39.9% EAR
- Fee-Free Overdraft: £25
- Debit Card: Contactless Visa debit card
- Linked Savings: Regular Saver (5.00% AER), Online Bonus Saver
- Tutela del deposito: FSCS — up to £85,000
HSBC Advance Bank Account HSBC UK
£0 /month
Everyday banking current account. Mobile Banking app with payment, cheque scanning, balance check, digital wallets (Apple Pay, Samsung Pay, Google Pay), spending insights, monthly budgets
- Account Type: Everyday banking
- Monthly Fee: Free
- Overdraft Rate: 39.9% EAR
- Fee-Free Overdraft: £25
- Debit Card: Visa Debit Card
- Linked Savings: Regular Saver (5.00% AER)
- Tutela del deposito: FSCS — up to £85,000
Student Bank Account HSBC UK
£0 /month
Student current account. Mobile Banking app with balance checking, payments, card management (view PIN, freeze/unfreeze, report lost/stolen), standing orders, Direct Debits, subscriptions management, digital wallets (Apple Pay, Google Pay, Samsung Pay)
- Account Type: Student
- Monthly Fee: Free
- Overdraft Rate: 0% (interest-free)
- Fee-Free Overdraft: £1,000
- Linked Savings: Regular Saver (5.00% AER)
- Tutela del deposito: FSCS — up to £85,000
Club M Account Virgin Money
£0 /month
Packaged bank account current account. App to manage your money, Apple Pay and Google Pay support
- Account Type: Packaged bank account
- Monthly Fee: Free
- In-Credit Interest: AER 1.75% up to £25,000 balance (1.00% AER on current account balance up to £1,000, 1.75% AER on linked saver balance up to £25,000, 1.25% AER on balances above £25,000)
- Debit Card: Debit card that works worldwide
- International Fees: No foreign transaction fee
- Linked Savings: Club M Saver
- Rewards: Cashback VariableCashback when you spend with well-known brands
- Tutela del deposito: FSCS — up to £85,000
Revolut Standard Revolut
£0 /month
Digital banking current account. Instant spending notifications, built-in budgeting tools, spending analytics, fee-free currency exchange up to £1,000/month, instant transfers to other Revolut users, virtual cards, Apple Pay and Google Pay support
- Account Type: Digital banking
- Monthly Fee: Free
- In-Credit Interest: AER 3% On Savings Vaults (variable AER)
- Debit Card: Visa debit card
- International Fees: No foreign transaction fee; £200/month free, then 2% (min £1)
- Linked Savings: Savings Vaults at 3.00% AER variable
- Tutela del deposito: FSCS — up to £85,000
Classic Account Bank of Scotland
£0 /month
Everyday banking current account. Freeze card, pay in cheques, real-time alerts
- Account Type: Everyday banking
- Monthly Fee: Free
- Overdraft Rate: 39.9% EAR
- Debit Card: Visa Debit
- International Fees: 2.99% transaction fee; £1.50
- Tutela del deposito: FSCS — up to £85,000
Current Account Co-operative Bank
£0 /month
Everyday banking current account.
- Account Type: Everyday banking
- Monthly Fee: Free
- Overdraft Rate: 35.9% EAR
- Switching Bonus: £175 Switch using CASS, pay in £1,000, set up 2 direct debits
- Tutela del deposito: FSCS — up to £85,000
Danske Choice Danske Bank
£0 /month
Everyday banking current account.
- Account Type: Everyday banking
- Monthly Fee: Free
- Switching Bonus: £200 Switch using CASS, pay in £1,250/month
- Tutela del deposito: FSCS — up to £85,000
Clear Account Bank of Ireland
£0 /month
Everyday banking current account.
- Account Type: Everyday banking
- Monthly Fee: Free
- Overdraft Rate: 32.75% EAR
- Tutela del deposito: FSCS — up to £85,000
Select Ulster Bank
£0 /month
Everyday Current Account current account. Mobile Banking app, Apple Pay, Google Pay, Contactless payments, Emergency Cash Service
- Account Type: Everyday Current Account
- Monthly Fee: Free
- Overdraft Rate: 39.49% EAR
- Debit Card: Mastercard Debit
- International Fees: 2.65% transaction fee
- Tutela del deposito: FSCS — up to £85,000
Adapt Ulster Bank
£0 /month
Teen Current Account current account. Contactless payments, Google Pay, Apple Pay (13+)
- Account Type: Teen Current Account
- Monthly Fee: Free
- In-Credit Interest: AER 1.85%
- Debit Card: Mastercard Debit
- International Fees: 2.65% transaction fee
- Tutela del deposito: FSCS — up to £85,000
Biscuit Zopa
£0 /month
Current Account with Cashback and Interest current account. Real-time notifications, budgeting tools, managed exclusively via mobile app, digital wallets supported
- Account Type: Current Account with Cashback and Interest
- Monthly Fee: Free
- In-Credit Interest: AER 2%
- Debit Card: Visa Debit
- International Fees: No foreign transaction fee; 2% on withdrawals over £200 in 30-day period
- Linked Savings: Regular Saver at 7.10% AER (6.87% gross) variable, up to £300/month
- Rewards: Bills paid by Direct Debit 2 % cashback Up to £1,500 of Direct Debits per year
- Tutela del deposito: FSCS — up to £85,000
ACE Current Account UBL UK
£0 /month
Standard Current Account current account. Internet and Mobile Banking, SMS and Email Transaction Alerts, UBL UK NetRemit for sending money to Pakistan
- Account Type: Standard Current Account
- Monthly Fee: Free
- Debit Card: Mastercard Debit
- International Fees: 2.99% transaction fee; 2% (min £2 max £4)
- Tutela del deposito: FSCS — up to £85,000
Personal Current Account Metro Bank
£0 /month
Everyday banking current account. Instant debit card printing in store, freeze card
- Account Type: Everyday banking
- Monthly Fee: Free
- Overdraft Rate: 34% EAR
- International Fees: No foreign transaction fee; Free ATM withdrawals abroad
- Tutela del deposito: FSCS — up to £85,000
LHV Current Account LHV Bank
£0 /month
Digital banking current account.
- Account Type: Digital banking
- Monthly Fee: Free
- In-Credit Interest: AER 3.75% on balances up to £1,000,000
- Debit Card: Mastercard Debit
- Tutela del deposito: FSCS — up to £85,000
Reward Account Royal Bank of Scotland
£2 /month
Reward account current account.
- Account Type: Reward account
- Monthly Fee: £2.00
- Switching Bonus: £150 Switch using CASS, pay in £1,250/month
- Rewards: Rewards for DDs £4 per month
- Tutela del deposito: FSCS — up to £85,000
Reward Current Account Halifax
£3 /month
Rewards current account. Quick secure sign in with fingerprint/biometrics, Freeze your card, Cheque scanning (up to £10,000), Check credit score, Mobile alerts, Contactless payments (Visa Debit Card up to £100, customizable £30-£95), Apple Pay, Google Pay
- Account Type: Rewards
- Monthly Fee: £3.00
- Overdraft Rate: 29.9% EAR
- Fee-Free Overdraft: £100
- In-Credit Interest: AER 3% Up to £5,000 balance at 3.00% AER, balances over £5,000 earn no interest
- Debit Card: Visa Debit Card with contactless payments
- International Fees: None - No fees for cash withdrawals abroad
- Linked Savings: Reward Bonus Saver and ISA Reward Bonus Saver
Revolut Plus Revolut
£3.99 /month
Digital banking current account. All Standard features plus: fee-free currency exchange up to £3,000/month, purchase protection insurance, price alerts, priority customer support
- Account Type: Digital banking
- Monthly Fee: £3.99
- In-Credit Interest: AER 3% On Savings Vaults (variable AER)
- Debit Card: Visa debit card (customisable)
- International Fees: No foreign transaction fee; £200/month free, then 2% (min £1)
- Linked Savings: Savings Vaults at 3.00% AER variable
- Tutela del deposito: FSCS — up to £85,000
Club Lloyds Lloyds Bank
£5 /month
Rewards current account. See future bills and payments, Request a payment, Block or cancel subscriptions, Manage cards & view PIN, Biometrics & security, 24/7 messaging support
- Account Type: Rewards
- Monthly Fee: £5.00
- Overdraft Rate: 29.9% EAR
- Fee-Free Overdraft: £100
- In-Credit Interest: AER 3% Up to 3.00% AER on balances up to £5,000
- Debit Card: Visa debit card
- International Fees: No foreign transaction fee
- Linked Savings: Yes - exclusive Club Lloyds savings accounts available
Personal Current Account AlRayan Bank
£5 /month
Islamic banking current account.
- Account Type: Islamic banking
- Monthly Fee: £5.00
- Tutela del deposito: FSCS — up to £85,000
Revolut Premium Revolut
£7.99 /month
Premium digital banking current account. All Plus features plus: unlimited fee-free currency exchange, disposable virtual cards, overseas medical insurance, delayed baggage and flight delay insurance, exclusive card designs
- Account Type: Premium digital banking
- Monthly Fee: £7.99
- In-Credit Interest: AER 3.25% On Savings Vaults (variable AER)
- Debit Card: Visa debit card (exclusive design)
- International Fees: No foreign transaction fee; £400/month free, then 2% (min £1)
- Linked Savings: Savings Vaults at 3.25% AER variable
- Tutela del deposito: FSCS — up to £85,000
Private Bank Account Investec
£10 /month
Private banking current account.
- Account Type: Private banking
- Monthly Fee: £10.00
- Overdraft Rate: 12.4% EAR
- Tutela del deposito: FSCS — up to £85,000
Silver Account Bank of Scotland
£11.50 /month
Packaged current account current account. Includes travel and breakdown cover
- Account Type: Packaged current account
- Monthly Fee: £11.50
- Overdraft Rate: 39.9% EAR
- International Fees: No foreign transaction fee
- Tutela del deposito: FSCS — up to £85,000
Personal Current Account Card One Money
£12.50 /month
Managed account current account.
- Account Type: Managed account
- Monthly Fee: £12.50
- Tutela del deposito: FSCS — up to £85,000
Revolut Metal Revolut
£14.99 /month
Premium digital banking current account. All Premium features plus: exclusive metal card, 1 RevPoint per £10 spent, travel insurance, £800/month fee-free ATM withdrawals abroad, access to subscriptions worth over £2,100/year
- Account Type: Premium digital banking
- Monthly Fee: £14.99
- In-Credit Interest: AER 3.51% On Savings Vaults (variable AER)
- Debit Card: Metal Visa debit card (steel, choice of 4 colours)
- International Fees: No foreign transaction fee; £800/month free, then 2% (min £1)
- Linked Savings: Savings Vaults at 3.51% AER variable
- Rewards: RevPoints 1 per £10 spent
- Tutela del deposito: FSCS — up to £85,000
FlexPlus current account Nationwide
£18 /month
Premium current account. Manage money, control card, bank and buy securely, keep track with alerts, pay contactless, chat 24/7, branch access
- Account Type: Premium
- Monthly Fee: £18.00
- Overdraft Rate: 39.9% EAR
- Fee-Free Overdraft: £50
- Switching Bonus: £175 Switch a non-Nationwide bank account, complete a full switch using the Current Account Switch Service, move over at least 2 Direct Debits, complete the switch within 28 days, within 31 days pay in at least £1,000 and make 1 debit card payment. First
- Debit Card: Visa debit card
- International Fees: No foreign transaction fee
- Linked Savings: Flex Regular Saver, Flex Instant Saver
Ultimate Reward Current Account Halifax
£19 /month
Premium current account. Contactless payments (Visa Debit Card up to £100, customizable £30-£95), Apple Pay, Google Pay, Quick secure sign in with fingerprint/biometrics, Freeze your card, Cheque scanning (up to £10,000), Check credit score, Mobile alerts, Account Benefits Hub
- Account Type: Premium
- Monthly Fee: £19.00
- Overdraft Rate: 29.9% EAR
- Fee-Free Overdraft: £100
- Debit Card: Visa Debit Card with contactless payments
- International Fees: None - No debit card fees from us at home or abroad
- Linked Savings: Reward Bonus Saver and ISA Reward Bonus Saver
- Rewards: Cashback Extras 15% cashback (up to) Varies by retailer, merchant offers and amounts vary
Revolut Ultra Revolut
£55 /month
Ultra-premium digital banking current account. All Metal features plus: platinum-plated card, 1 RevPoint per £1 spent, unlimited airport lounge access, 3GB monthly global eSIM data, comprehensive travel and medical insurance, personal concierge, exclusive events access
- Account Type: Ultra-premium digital banking
- Monthly Fee: £55.00
- In-Credit Interest: AER 4% On Savings Vaults up to £200,000 (variable AER); 3.51% above that
- Debit Card: Platinum-plated Visa debit card
- International Fees: No foreign transaction fee; £2,000/month free, then 2% (min £1)
- Linked Savings: Savings Vaults at 4.00% AER variable (up to £200,000)
- Rewards: RevPoints 1 per £1 spent
- Tutela del deposito: FSCS — up to £85,000
Private Current Account Weatherbys Bank
£100 /month
Private Banking Current Account current account. Weatherbys debit card, EUR and USD debit cards available, contactless payments
- Account Type: Private Banking Current Account
- Monthly Fee: £100.00
- Debit Card: Visa Debit
- International Fees: No foreign transaction fee
- Tutela del deposito: FSCS — up to £85,000
Atom Bank Account Atom Bank
Price on request
Kroo Current Account Kroo
Price on request
Allica Bank Account Allica Bank
Price on request
Compare the best UK current accounts in 2026
Finding the right current account can save you hundreds of pounds a year through better interest rates, lower fees, and valuable perks. Whether you are looking for a free everyday account, a premium packaged account with travel insurance, or a digital-first bank with instant spending notifications, we compare current accounts from every major UK high-street bank and leading digital challengers so you can make an informed choice.
Our comparison includes accounts from Barclays, HSBC, Lloyds Bank, NatWest, Santander, Halifax, Nationwide, TSB, Virgin Money, and the latest offerings from digital banks like Monzo, Starling, Chase, Revolut, first direct, and Triodos. We cover monthly fees, in-credit interest rates, overdraft charges, switching bonuses, international fees, and the additional extras that come with each account.
Types of current accounts available in the UK
Standard current accounts are the most popular option, offering fee-free everyday banking with no monthly charge. These accounts provide a Visa or Mastercard debit card, online and mobile banking, contactless payments, and access to the Faster Payments network for instant bank transfers. Most standard accounts also include the option to apply for an arranged overdraft, though interest rates vary significantly between providers.
Packaged or premium current accounts charge a monthly fee — typically between £5 and £20 per month — in exchange for bundled benefits. Common perks include worldwide travel insurance, mobile phone insurance, breakdown cover, airport lounge access, and enhanced cashback or rewards programmes. These accounts can offer excellent value if you would otherwise pay for these services separately, but it is worth checking that you actually need and qualify for the included benefits before committing.
Student current accounts are tailored for full-time university students and typically include a generous interest-free overdraft that increases each year of study. After graduation, these accounts usually convert to a graduate account with a gradually reducing interest-free overdraft over several years. Some student accounts also offer additional incentives such as cashback, railcard discounts, or subscription services.
Basic bank accounts are available to anyone regardless of credit history, making them an important option for people who may have been refused a standard account. These accounts offer essential banking features — a debit card, direct debits, standing orders, and online banking — but typically do not include overdraft facilities or cheque books.
Digital-only accounts from challenger banks such as Monzo, Starling, Chase, and Revolut offer a mobile-first banking experience with features like real-time spending notifications, automatic budgeting categories, fee-free spending abroad, and instant money transfers. Some digital banks offer tiered subscription plans with additional perks at higher monthly fees.
Key features to compare when choosing a current account
Monthly fees: Many UK current accounts are completely free, but packaged accounts and premium digital banking plans charge between £3 and £55 per month. Always check whether the included benefits justify the cost for your personal circumstances.
In-credit interest: Some accounts pay interest on positive balances, ranging from around 1% to 5% AER. This can be a meaningful return if you keep a regular balance in your account, though rates are variable and subject to caps on qualifying balances.
Overdraft rates: If you occasionally need to dip into an overdraft, comparing the Equivalent Annual Rate (EAR) is essential. UK overdraft rates typically range from 19.9% to 39.9% EAR for arranged overdrafts. Some accounts offer a fee-free overdraft buffer — often between £250 and £500 — where no interest is charged.
Switching bonuses: Many banks offer cash incentives to switch, typically ranging from £100 to £200. These bonuses usually require you to use the Current Account Switch Service (CASS) and meet certain conditions such as setting up a minimum number of direct debits or paying in a qualifying amount each month.
International fees: If you travel or shop online in foreign currencies, comparing international transaction fees and overseas ATM charges can save you a significant amount. Traditional high-street banks typically charge 2.75% to 2.99% on foreign transactions, while digital banks like Monzo, Starling, and Chase offer fee-free spending abroad within fair usage limits.
Linked savings: Some current accounts come with access to linked savings accounts offering preferential interest rates, savings pots, or round-up features that automatically set aside spare change from everyday spending.
How to switch your UK current account
The Current Account Switch Service (CASS) makes switching banks straightforward and stress-free. When you open a new current account and request a switch, your new bank handles the entire process within 7 working days. All your incoming payments, direct debits, and standing orders are automatically transferred, and any payments sent to your old account are redirected for 36 months. The service is free, and the switch guarantee means you will be refunded for any interest or charges caused by a switching error.
To switch, simply open your new account and tell the bank you want to use CASS. You will choose a switch date, and on that date your old account will be closed and all payments moved over. There is no need to contact individual billers or employers — the switch service takes care of everything.
FSCS protection and your money
Most UK current accounts are protected by the Financial Services Compensation Scheme (FSCS), which covers eligible deposits up to £85,000 per person, per banking licence (or £170,000 for joint accounts). This means that if your bank were to fail, the FSCS would compensate you up to the protected limit. It is worth checking which banking licence your account falls under, as some banking groups share a single licence across multiple brands — for example, Lloyds Bank, Halifax, and Bank of Scotland all operate under the same licence.
Digital banks authorised as e-money institutions rather than full banks may protect your funds through safeguarding arrangements instead of FSCS. While safeguarding keeps your money ring-fenced from the company's own funds, it does not provide the same statutory guarantee as FSCS. Always check whether your chosen account is FSCS-protected before depositing large sums.
Current accounts for specific needs
Best for travel: Digital banks like Monzo, Starling, Chase, and Revolut offer fee-free or low-cost spending abroad, making them popular choices for frequent travellers. Packaged accounts from NatWest, Nationwide, and Halifax include bundled travel insurance.
Best for interest: Accounts from Chase, Nationwide FlexDirect, and some Virgin Money accounts offer competitive in-credit interest, helping your balance grow while remaining instantly accessible.
Best for students: NatWest, Santander, HSBC, and Barclays all offer student accounts with generous interest-free overdrafts and additional perks like Tastecard memberships, railcard discounts, or cashback rewards.
Best for switching bonuses: NatWest, Lloyds, Halifax, and Nationwide frequently offer cash switching incentives. These change regularly, so check our current comparison for the latest offers.
Best for ethical banking: Triodos Bank offers a current account focused on sustainable and ethical finance, using deposits to fund positive social and environmental projects.
The cheapest Bank Accounts in United Kingdom is £0 /month from TSB.
