Banking

• 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

• 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)

• 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 0.10% AER/gross p.a. (variable)
• Not available in branch

• Interest can be paid monthly or annually
•  £500,000 maximum balance
• FSCS Protected

• Must be UK resident and aged 18 or older
• Unlimited withdrawals subject to 120 days notice

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

• Must be UK resident
• Must be aged 18 or older
• Unlimited withdrawals subject to 30 days notice
• Maximum deposit £1,000,000

• Interest can be paid monthly or annually
•  £500,000 maximum balance
• FSCS Protected

• Must be UK resident and aged 18 or older
• Unlimited withdrawals subject to 45 days notice

• 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

• 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

• 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 can be paid monthly or annually
• Unlimited deposits and withdrawals
• ISA transfers in allowed
• FSCS Protected

• Must be UK resident and aged 16 or older

• Tax free ISA account
• Make up to three withdrawals during the 12-month term of this account
• Open with £1 or transfer in existing ISA funds
• Invest up to £20,000 per tax year
• 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 0.10% AER/gross p.a. (variable)
• Not available in branch

• Interest can be paid monthly or annually
• ISA transfers in allowed
• FSCS Protected

• Must be UK resident and aged 16 or older
•  Early withdrawals subject to term breakage charge

• Interest can be paid monthly or annually
• ISA transfers in allowed
• FSCS Protected

• Must be UK resident and aged 16 or older
•  Early withdrawals subject to term breakage charge

• Interest can be paid monthly or annually
• ISA transfers in allowed
•  £250,000 maximum balance
• FSCS Protected

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

• Interest can be paid monthly or annually
• ISA transfers in allowed
•  £250,000 maximum balance
• FSCS Protected

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

• 5.0% AER fixed (4.89% gross pa) in-credit interest on balances up to £2,500 for the first 12 months
• No monthly account fee
• Manage your account online, by phone or in branch
• No fees on arranged overdrafts for the first 12 months
• Access to Flexclusives – Select Credit Card 15.9% APR Representative and low personal loan rate 3.0% APR Representative

• Must be 18 or older
• Overdraft charge of 50p per day after the first 12 months
• Must pay a minimum of £1,000 into the account each month, from an external source (i.e. not another Nationwide account)

• Mobile Bank Account
• Check where you’re up to anytime, anywhere with our app and online banking
• Keep track of your money with real-time balance and transaction details
• Instant spending alerts
• Send money in seconds to your existing payees or set up new ones
• Contactless debit card
• Pay in cash and cheques at the Post Office

• Use your fingerprint or facial recognition as a way to access your account
• Lock your card if you lose it, and unlock it again if it turns up
• No minimum monthly pay in
• No fees if we’re refusing a payment due to lack of funds (such as if a Direct Debit bounces)
• No credit checks
• Improve your credit score
• Apply in a few minutes with no tricky questions

• 0.50% AER (variable) payable on your entire balance up to £2,000
• Linked to instant access savings account currently paying 1.00% AER, paid quarterly
• Zero transaction fees wherever you spend worldwide*
• Apple Pay & Google Pay enabled contactless debit card
• Use with Virgin Money app
• Rated ‘outstanding’ by Moneyfacts

*arranged and un-arranged lending, other providers & other fees and interest may still apply

• Must be 18 or older and a UK resident
• No account fee
• No minimum funding required to open account or requirement to pay in regularly

• 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

• Digital Bank Account
• Open a current account in minutes direct from your phone and receive bank card
• Built in budgeting to manage spending
• Receive instant spending notifications
• Spend money abroad in over 150 currencies with the interbank exchange rate
• Instantly transfer money abroad in over 29 currencies with the interbank exchange rate
• £200 a month in international ATM withdrawals for free
• Set up a recurring payment in seconds
• Insurance from your health to your phone from as little as £1 per day

• 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, £6.99 or £12.99 depending on account features

• 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

• 1.50% AER (variable) payable on your entire balance up to £20,000
• Up to 3% cashback on household bills – 1% on water, council tax bills and Santander mortgage payments, 2% on gas and electricity bills, and 3% on mobile phone, home phone, broadband and paid-for TV packages
• 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
• Monthly fee of £5
• Must pay a minimum of £500 into the account each month

• 39% fixed return if the Index is 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 – 3 April 2020
• Deadline for 2019/20 ISA applications – 3 April 2020
• Deadline for Direct & 2020/21 ISA applications  – 24 April 2020

• Returns not guaranteed. You may only receive a return of your original capital
• Minimum investment £3,000
• An arrangement fee applies to this plan
• Product designed to be held for the full term

• Plan can be ended early by Deposit Taker (Goldman Sachs International Bank)
• 1.625% per quarter (6.5% pa) if plan ends early
• 2 x FTSE 100 Index growth if plan runs full term
• Capital protected
• Maximum 8 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 – 17 March 2020
• Application deadline for direct and ISA applications by cheque – 24 March 2020
• Application deadline for direct and ISA applications by bank transfer – 31 March 2020

• 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

• 5.0% for each year if the FTSE 100 finishes higher than its starting value
• Opportunity to mature early at year 3, 4 or 5
• 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 – 3 April 2020
• Deadline for 2019/20 ISA applications – 3 April 2020
• Deadline for Direct & 2020/21 ISA applications  – 24 April 2020

• Returns not guaranteed. You may only receive a return of your original capital
• Minimum investment £3,000
• An arrangement fee applies to this plan
• Product designed to be held for the full term

• Fixed return – Either 18% if the Index is above the Initial Level, or 9% if it is the same or lower than the 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 – 3 April 2020
• Deadline for 2019/20 ISA applications – 3 April 2020
• Deadline for Direct & 2020/21 ISA applications  – 24 April 2020

• Minimum investment £3,000
• An arrangement fee applies to this plan
• Product designed to be held for the full term

• 13% fixed return if the Index is higher than its Initial Level
• Capital protected
• 3 year term
• Short/medium 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 – 3 April 2020
• Deadline for 2019/20 ISA applications – 3 April 2020
• Deadline for Direct & 2020/21 ISA applications  – 24 April 2020

• Returns not guaranteed. You may only receive a return of your original capital
• Minimum investment £3,000
• An arrangement fee applies to this plan
• Product designed to be held for the full term

• 9% fixed return if the Index is higher than 90% of its Initial Level
• Capital protected
• 3 year term
• Short/medium 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 – 3 April 2020
• Deadline for 2019/20 ISA applications – 3 April 2020
• Deadline for Direct & 2020/21 ISA applications  – 24 April 2020

• Returns not guaranteed. You may only receive a return of your original capital
• Minimum investment £3,000
• An arrangement fee applies to this plan
• Product designed to be held for the full term

• 4.0% for each year if the FTSE 100 finishes higher than its required kick out level
• Kick out level reduces from 100% of initial level to 85% over the term
• Opportunity to mature early at year 3, 4 or 5
• Maximum 6 year term
• Capital protected
• 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 – 3 April 2020
• Deadline for 2019/20 ISA applications – 3 April 2020
• Deadline for Direct & 2020/21 ISA applications  – 24 April 2020

• Returns not guaranteed. You may only receive a return of your original capital
• Minimum investment £3,000
• An arrangement fee applies to this plan
• Product designed to be held for the full term

• 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

• 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

• 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 

• Sign up in minutes, full access within hours
• Free payments: Nothing to pay on local transfers
• Competitive rates on currency conversions meaning the best savings on international transfers
• Get a full overview of your payments with categorised Smart Transactions to maintain oversight on your cash flow
• Unlimited transactions, fast bank transfers and Direct Debits
• Add cash to your account at over 40,000 locations across the UK

• Comes with an exclusively designed UK Monese Mastercard
• Business account that caters for 14 languages
• State-of-the-art security solution: Money ring-fenced and covered by FCA regulation, but protected by high-end security features such as biometric unlock and backend encryption

• Multi-currency bank account: hold, receive and exchange 29 currencies without any bank charges
• Transfer money to any other Revolut account (business or personal) instantly and for free
• Prepaid Corporate Cards: easily issue and track employee expenses on your dashboard when you issue cards to your team
• Flexible permissions: manage permissions for unlimited users

• Revolut Connect allows you to connect and integrate with popular software like XERO, Slack, Zapier and more
• Open API: build custom integrations that meet your business need
• Priority support: dedicated team, open 24/7

• Free banking for 18 months when you start your business with HSBC UK
• Best Tariff Promise ensures you’ll always be on HSBC UK’s best standard tariff for your business
• Predictable pricing, giving you 12 months at a fixed price after your free banking period ends
• Access finance and borrowing to help fund an expansion or improve your cash flow (subject to status)
• Free 12 months British Cycling Fan Membership available to HSBC UK business current account customers. T&Cs apply
• Overdraft available, subject to status

• Applicable for businesses with up to £2m turnover
• After free banking period ends, fixed price of £6.50 a month for 12 months

• Free banking for 12 months when you switch your business bank account to HSBC UK
• Best Tariff Promise ensures you’ll always be on HSBC UK’s best standard tariff for your business
• Predictable pricing, giving you 12 months at a fixed price after your free banking period ends
• Access finance and borrowing to help fund an expansion or improve your cash flow (subject to status)
• Free 12 months British Cycling Fan Membership available to HSBC UK business current account customers. T&Cs apply
• Overdraft available, subject to status

• Applicable for businesses with up to £2m turnover
• After free banking period ends, fixed price of £6.50 a month for 12 months

• 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

• 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