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Direct Banking

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Direct banking is crucial if you want instant and easy access to your bank account at any time of the day or night. Direct banking includes automated telephone and online banking, both of which are usually available 24 hours a day, 7 days a week. Direct banking allows you to:

  • Manage your account personally and directly, without having to visit a branch or send instructions in writing
  • View your accounts and recent transactions
  • Set up and manage standing orders
  • Transfer money and pay bills
  • View direct debits

Different banks offer varying levels of service, including interest rates and how far back you can view statements online. To find the best direct banking account best for you, compare a number of leading providers with the table below.


 AccountOverdraft (EAR%)FeaturesApply
up to £5000 (from 19.3%)Telephone and Online Banking - Simply, free and easy to use 
0% on arranged overdrafts!Interest free overdrafts 
up to £200 0.0%comes with a linked Savings Account and fee free overdraft service 
19.99%A flexible current account for day-to-day banking 
19.24%0.10% interest is calculated daily and paid into your account on a monthly basis