Banking

• No notice periods
• Unlimited payments and withdrawals
• Interest paid monthly or annually
• Manage account online
• Which? Recommended Savings Provider

• Must be UK resident
• Must be aged 18 or older
• Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)

• Monthly interest
• Manage your account online
• Unlimited withdrawals
• Covered by the FSCS

• Must be UK resident
• Must be aged 18 or older
• New customers only
• Maximum deposit £1,000,000

• Make up to three withdrawals during the 12-month term of this account
• Open with £1
• Manage your account online
• Interest paid at maturity
• FSCS Protected

• Must be UK resident and aged 16 or older
• Make more than three withdrawals and the rate drops to 0.01% AER/gross p.a. (variable)
• Not available in branch

• Interest paid monthly or annually
• Manage account online
• Which? Recommended Savings Provider

• Unlimited withdrawals subject to 95 days notice
• Must be UK resident
• Must be aged 18 or older
• Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)

• Interest paid on maturity
• Maximum deposit £500,000
• FSCS Protected

• Must be UK resident and aged 18 or older
• No withdrawals permitted

• Market Leading 2 Year Fixed Rate
• Interest paid annually
• Maximum deposit £500,000
• FSCS Protected

• Must be UK resident and aged 18 or older
• No withdrawals permitted

More information »

• Market Leading 3 Year Fixed Rate
• Interest paid annually
• Maximum deposit £500,000
• FSCS Protected

• Must be UK resident and aged 18 or older
• No withdrawals permitted

More info

• Interest paid monthly or annually
• Unlimited top-ups for the first 30 days
• Which? Recommended Savings Provider
• Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)

• Must be UK resident and aged 18 or older
• No withdrawals permitted
• Maximum deposit £1,000,000

• Interest paid monthly or annually
• Unlimited top-ups for the first 30 days
• Which? Recommended Savings Provider
• Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)

• Must be UK resident and aged 18 or older
• No withdrawals permitted
• Maximum deposit £1,000,000

• No minimum monthly funding or monthly fee to maintain the account
• Earn up to 15% cashback with Retailer Offers
• Stress-free account switching in 7 days with the Current Account Switch Service
• £300 ATM withdrawal per day
• Arranged Overdraft facility (subject to status)
• Online and Mobile Banking with text and email alerts

• Must be 18 or older and live in the UK permanently
• 39.94% EAR overdraft charge

• Mobile App Bank Account
• Get set up in minutes. No paperwork, monthly fees or branch visits
• Send money abroad: Fast and secure money transfers to bank accounts in 38 countries worldwide
• No fees when you pay with your card abroad or withdraw money. Real Mastercard exchange rates and real-time notifications in both currencies
• Get a spotlight on your spending: See what you’ve spent instantly with real-time payment notifications
• Current account is completely free.: No charge for making electronic payments, domestic transfers or ATM withdrawals

• Three-month interest holiday on the first £500 of an arranged overdraft
• Earn Interest: current account pays 0.05% AER on balances up to £85,000
• Card gone missing? Lock it in-app temporarily while you look for it or cancel it with a tap if you think it’s gone for good
• Personal loan available that’s straightforward to use, competitively priced and tailored to you
• Fully registered bank and a member of the Financial Services Compensation Scheme (FSCS), so any money you keep with us will be fully protected, up to £85,000

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• A bank account that can build credit history
• No credit check during sign up
• Apply straight from your mobile
• Instant online decision
• Get your Contactless Debit Mastercard within 3-5 working days
• Add Creditbuilder onto your account and it could help build your credit rating at no extra cost
• Deposit cash into your account at any Post Office UK branch. Money is available in your account immediately

• Manage your account 24/7 from any device – Get real time balance information, statements, add payees send payments and apply for extras
• Automatic payment alerts
• UK based Customer Services Team
• Your money is protected up to £85,000 by the FSCS (Financial Services Compensation Scheme)
• Monthly account fee ranges from free to £9.95 depending on account chosen

• 0.30% AER (variable) payable on your entire balance up to £20,000
• Up to 3% cashback on household bills – 1% on council tax bills, Mobile and home phone bills, broadband and paid-for TV packages, and Santander monthly mortgage payments. 2% on Gas and electricity bills, Santander Home Insurance premiums and Santander Life Insurance premiums, and 3% on water bills
• Visa Debit Card
• Mobile app

• Must be 18 or older and a UK resident Interest
• Cashback only available when you set up at least two eligible Direct Debits
• Cashback capped at £5 for each cashback tier each month
• Monthly fee of £4
• Must pay a minimum of £500 into the account each month
• Arranged overdraft interest rate of 39.94% APR / EAR (variable)

• Children’s current account
• Can be opened by or on behalf of any child up to the age of 18
• 1% interest on the entire balance once the balance is £100, 2.00% AER/1.98% gross (variable) on the entire balance once the balance is £1,500, 3.00% AER/2.96% gross (variable) on the entire balance once the balance is £1,500 or over (up to a maximum of £2,000)
• Debit or cash card available for those aged between 13 and 18
• Monthly interest
• No monthly fee

• For children under age 13, the account must be opened in trust and managed by an adult (trustee)
• If you’re aged between 13 and 18 years old and live permanently in the UK you can apply online by telephone or in branch
• No overdraft facility

• Mobile Bank Account
• Manage your money with easy budgeting, easy savings, insights and balance prediction
• Stay in total control with instant notifications, real time controls and much more, right from the app
• Get paid easily with bunq.me, simple bill-splitting, and instant requests
• Option to set up Auto Save and every payment you make will be rounded up to the next nearest Euro, saving the difference
• Apple Pay and Google Pay supported
• Mastercard included
• Sign up in 5 minutes – you only need your phone, address and ID

• Experience total safety by blocking cards, changing PINs or adjusting limits in real time
• Any card setting you change takes effect instantly
• Send money across the world at the real exchange rate saving up to 3%
• Send or receive money in 39 supported currencies
• Up to 10 monthly withdrawals are included in your membership, home or abroad

• Mobile App Bank Account
• Spend abroad without worrying about expensive rates and hidden costs
• All currencies supported
• An easy to set up debit card. Link directly with your existing bank account
• Spend from your bank account, just with a different card. No need for separate accounts and inconvenient top-ups
• Automatically save over 85% on bank charges anywhere in the world

• Off-set your carbon footprint with our One Tree Planted partnership. Every $100 spent through Currensea could plant three trees
• Get your card in minutes
• Latest bank security and encryption technology
• Mastercard chargeback protection for all your purchases
• Currensea is authorised by the Financial Conduct Authority

• Mobile Bank Account
• Open a GBP and EUR current account using your mobile in minutes, with no credit checks and no proof of address required
• Track your account activity in real-time, get an overview of your monthly outgoings, set budgets and set your savings aside from your day-to-day spending
• Get account statements whenever you like
• Get added peace of mind from instant updates on your mobile whenever you receive or spend money
• Add money to your account instantly by debit card or bank transfer. You can also top up quickly using cash at Post Office and Paypoint locations across the UK
• Add Monese to your phone’s wallet and make smart, fast and secure contactless payments with Apple Pay or Google Pay

• Spend on your Monese card and make ATM withdrawals worldwide with fee-free allowances and money-saving exchange rates
• Send money to your contacts and request payments from them. You can also save when you transfer money abroad (at the wholesale currency exchange rate). Transfers between Monese accounts are also free and instant
• You can use your Monese app in any one of our 12 languages: English, French, German, Brazilian Portuguese, Bulgarian, Italian, Spanish, Romanian, Polish, Czech, Turkish and Lithuanian

• Digital Bank Account
• Open a current account in minutes direct from your phone and receive bank card
• Set budgets, get instant spending notifications, and see weekly insights to keep your spending on track
• Earn rewards on travel, retail, restaurants and more
• Spend abroad in over 150 currencies at the Real (interbank) exchange rates  with no hidden fees
• Transfer money abroad in 30+ currencies with the interbank exchange rate, with a small 0.5% fee for anything above £1,000 each month
• Get paid up to 0.40% AER interest on your GBP funds
• No minimum amounts. Deposit and withdraw your money whenever you want

• 7x better than the banks at stopping card fraud
• If you lose or misplace your card, freeze it within the app and have a new one sent out to you. If you find it again, just unfreeze your card from the app
• Take control over your account and turn off things like contactless, swipe payments, online payments and ATM withdrawals all from within the app
• Turn on location-based security and if your card is used in a different location from where you are, you will be notified and any payments will be blocked
• 0.5% fee for any international spending or transfers above £5,000 each month
• 2% fee for international ATM withdrawals of more than £200 per month
• Monthly fee of £0, £2.99, £6.99 or £12.99 depending on account features

• Plan can be ended early by Deposit Taker (Goldman Sachs International Bank)
• 3.5% per annum if plan ends early
• 50% x FTSE 100 Index growth if plan runs full term (capped at a maximum return of 24.5%)
• Capital protected
• Maximum 7 year term
• Alternative to fixed rates
• Available for cash ISA, ISA transfer and direct investment
• Covered by the FSCS (Financial Services Compensation Scheme)
• Application deadline for ISA transfers – 30 March 2021
• Application deadline for 2020/21 ISA applications by cheque or bank transfer – 1 April 2021
• Application deadline for direct and 2021/22 ISA applications by cheque – 6 April 2021
• Application deadline for direct and 2021/22 ISA applications by bank transfer – 13 April 2021

• If plan runs full term returns not guaranteed. You may only receive a return of your original capital
• Minimum investment £10,000
• An arrangement fee applies to this plan
• If you withdraw your money during the plan you may get back less than you originally invested

• 12% fixed return if the Index is the same or higher than its Initial Level
• Capital protected
• 6 year term
• Medium/long term alternative to fixed rates
• Available for cash ISA, ISA transfer and direct investment
• Covered by the FSCS (Financial Services Compensation Scheme)
• Deadline for ISA transfer applications – 27 April 2021
• Deadline for Direct & ISA applications – 12 May 2021

• Returns not guaranteed. You may only receive a return of your original capital
• Minimum investment £5,000
• An arrangement fee applies to this plan
• If you withdraw your money during the plan you may get back less than you originally invested

• 1.5% for each year if the FTSE 100 finishes 5% or more above its starting value
• Opportunity to mature early at year 4, 5, or 6
• Capital protected
• Maximum 6 year term
• Medium/long term alternative to fixed rates
• Available for cash ISA, ISA transfer and direct investment
• Covered by the FSCS (Financial Services Compensation Scheme)
• Deadline for ISA transfer applications – 27 April 2021
• Deadline for Direct & ISA applications – 12 May 2021

• Returns not guaranteed. You may only receive a return of your original capital
• Minimum investment £5,000
• An arrangement fee applies to this plan
• If you withdraw your money during the plan you may get back less than you originally invested

• Deposit between £5,000 – £2,000,000
• Interest paid monthly or annually
• Interest rate fixed for 2 years
• Apply online or by post

• An interest rate of 0.05% AER is payable on balances below £5,000
• Available if you are a Sole Trader, Limited Company, Partnership or Limited Liability Partnership (LLP)
• To open an account, you must be a UK based business where all directors and beneficial owners of that business are aged 18 or over, resident in the UK and only tax resident in the UK

• Deposit between £1,000  and £1,000,000
• No fees or charges for day to day services
• 14 Day cooling off period – if you change your mind within 14 days of funding your new business savings account, your savings will be refunded

• Minimum balance at all times – £1,000
• An interest rate of 0.05% AER is payable on balances below £1,000
• No additional deposits or withdrawals

• Deposit between £5,000 – £2,000,000
• Interest paid monthly or annually
• Interest rate fixed for 1 year
• Apply online or by post

• An interest rate of 0.05% AER is payable on balances below £5,000
• Available if you are a Sole Trader, Limited Company, Partnership or Limited Liability Partnership (LLP)
• To open an account, you must be a UK based business where all directors and beneficial owners of that business are aged 18 or over, resident in the UK and only tax resident in the UK

• Deposit between £1,000 – £85,000
• Interest paid monthly or annually
• Unlimited withdrawals free of charge
• Apply online or by post
• Minimum withdrawal £500

• An interest rate of 0.05% AER is payable on balances below £1,000
• Available if you are a Sole Trader, Limited Company, Partnership or Limited Liability Partnership (LLP)
• To open an account, you must be a UK based business where all directors and beneficial owners of that business are aged 18 or over, resident in the UK and only tax resident in the UK

• Send fast and transparently priced money transfers to over 35 countries worldwide, cheaper than most high-street banks
• Free contactless Mastercard
• No fees for spending and withdrawing money abroad, and you’ll get Mastercard’s real exchange rate
• Automated accounting: Link your account with QuickBooks, Xero and FreeAgent
• Real-time notifications: Receive a notification whenever money enters or leaves your account
• Enjoy your award-winning business bank account without having to pay any monthly fees

• Apply for a fair, flexible business overdraft of up to £150,000
• 24/7 UK support
• British Bank Awards Best British Bank Winner 2018, 2019 and 2020
• FSCS protection: Eligible deposits are covered up to £85,000 by the Financial Services Compensation Scheme

• Instant online approval 100% guaranteed
• No credit check to open an account
• Perfect for any type and size of business
• Mobile app – Manage your account, from the palm of your hand, 24/7
• Free to receive bank transfers
• No monthly account management fees
• No UK purchase transaction fees
• Any size of UK business or organisation can apply for our account – even if you don’t have a credit or trading history
• Integrated with most accounting software

• Business Expense Cards – Add up to 20 additional cards to your business account to provide to your employees, for simpler expense management
• £69 annual fee
• Maximum balance £15,000
• Daily ATM withdrawal limit £500
• Apply in just 4 minutes

• Designed for growing businesses and freelancers
• Free account opening in as little as 5 minutes
• Free contactless Mastercard
• No monthly or annual fees
• Free card payments UK and abroad
• Free transfers between external accounts for one  year (20p per transfer thereafter)
• Free transfers between Tide accounts
• ATM cash withdrawals  – £1
• Cash Deposits – £1 at Post Office or 3% at PayPoint
• 1 in 12 business current accounts opened in the UK was with Tide, within a year launch

• Mobile App Features:
• Sync with accounting software such as Xero, QuickBooks, FreeAgent, Sage, KashFlow and Recko
• Overview of your balance and all transactions listed in seconds
• Auto categorisation for income and expenditure
• Instant switching between separate accounts
• Freeze and unfreeze card, get card PIN reminder and order a free replacement in seconds
• Create and pay invoices
• Access your account on any laptop or desktop

• No credit checks to open account
• Pre paid Mastercard
• Mobile app available – check your balance, view statements & pay bills
• Earn cash rewards of up to 3.5% when you shop using your card at more than 35 major high street retailers including ASDA, Argos, Boots, Marks & Spencer, B&Q, Wilkinson
• Online application online in less than 10 minutes. Most accounts opened within 3 hours

• Application Fee £55
• Minimum monthly account fee of £12.50
• UK registered business only. Primary account holder must be at least 18 years of age. Business owner/ UK residents only

• Try ANNA free for six months
• Set up your account in less than 10 minutes
• Debit Mastercard® sent the same day
• ANNA doesn’t offer credit, which means the process is different by design – it’s fast, and applying won’t affect your credit score
• Direct debit support
• UK-based chat support – 24/7

• ANNA creates and sends sales invoices for you, and politely chases payments due too
• ANNA also schedules payments of purchase invoices
• Connect your personal and business current accounts from other banks to ANNA to view balance and payment history in the ANNA app
• ANNA will be ready for Making Tax Digital (MTD)

*After six months monthly fee will start from £5 

• Interbank rates, the best anywhere
• No card charges, no FX fees
• Exchange rate 0% above wholesale
• Pay in all 180 currencies
• Automatic integration with all accounting platforms
• Virtual or physical World Debit card

• Mobile app lets you track spending and monitor transactions
• Set spend limits, freeze and unfreeze your card or view your pin
• Partnering with all the major high-street banks, connecting securely through Open Banking
• No hidden transaction fees, even at the weekend
• Zero ATM withdrawal fee up to £500/month
• Apply online and receive your card in 3 to 5 days

• Deposit between £40,000 and £800,000
• Unlimited withdrawals with no hidden fees
• Apply online in minutes
• Manage account online
• Eligible deposits protected under UK’s Financial Services Compensation Scheme (FSCS)

• Business must have been registered for at least two years, have fewer than 250 employees, and have a total balance sheet of less than £36,550,000 or a turnover of less than £42,500,000
• All associated persons (beneficial owners, people with significant control of business, directors, partners) must be residents in the UK, are UK taxpayers only, and are over 18 years old

• First year’s platform access free (usually £50+VAT) for applicants through Fair Investment
• Issue, load and monitor cards spend via the web-based platform. Annotate and attach photo receipts and view transactions report via web or app
• Load in directly in GBP, EUR & USD and benefit from free card replacements and renewals
• No overseas transaction fees

• A fee of £10 per card applies
• A 1.5% foreign transaction fee applies when used in a currency other than: GBP, EUR, USD, CAD, AUD, NZD, DKK, HKD, NOK, PLN, ZAR, SEK, CHF, HUF, JPY
• ATM fees apply both in the UK and abroad

• Deposit between £1,000  and £1,000,000
• No fees or charges for day to day services
• 14 Day cooling off period – if you change your mind within 14 days of funding your new business savings account, your savings will be refunded

• Minimum balance at all times – £1,000
• An interest rate of 0.05% AER is payable on balances below £1,000
• No additional deposits or withdrawals

• Deposit between £5,000 – £2,000,000
• Interest paid monthly or annually
• Must give 100 days notice to withdraw
• Apply online or by post

• An interest rate of 0.05% AER is payable on balances below £5,000
• Available if you are a Sole Trader, Limited Company, Partnership or Limited Liability Partnership (LLP)
• To open an account, you must be a UK based business where all directors and beneficial owners of that business are aged 18 or over, resident in the UK and only tax resident in the UK

• Deposit between £5,000 – £2,000,000
• Interest paid monthly or annually
• Must give 45 days notice to withdraw
• Apply online or by post

• An interest rate of 0.05% AER is payable on balances below £5,000
• Available if you are a Sole Trader, Limited Company, Partnership or Limited Liability Partnership (LLP)
• To open an account, you must be a UK based business where all directors and beneficial owners of that business are aged 18 or over, resident in the UK and only tax resident in the UK