Banking

• 0.60% AER if customer makes two or fewer withdrawals within an anniversary year
• Monthly or annual interest
• Manage your account online
• Covered by the FSCS

• If a customer makes three or more withdrawals in an anniversary year the rate reduces to 0.10% from the date of the third withdrawal
• Must be UK resident and be aged 18 or older
• Maximum deposit £1,000,000

• Instant access to your savings
• Unlimited deposits and withdrawals
• Interest paid monthly, either to a linked current account, or adding it to your Online Flexi Saver account
• Easy application process, you just need a UK mobile phone and UK driving licence or passport
• Manage account online
• Maximum balance £250,000

• Must be aged 18 or older and have a UK address
• Must have a linked UK current account
• Your eligible deposits with Investec Bank are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)

• 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)

• You need to download the Plum Savings App and sign up for the Plum Plus or Plum Pro subscription to access 0.60% AER
• Plum can help you save automatically
• Interest is calculated daily but is applied to your account monthly
• Your money is covered by the FSCS up to £85,000, if the scheme applies to you
• If you would deposit £1,000 into your savings account, without adding or withdrawing any money throughout the year, you would have a predicted £1,006 in your account at the end of the year (at 0.60% interest)

• Interest accounts are provided by Investec Bank, who have the right to change the rate at any time
• Must be UK resident
• Must be aged 18 or older

• 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

• 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)

• 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 120 days notice
• Maximum deposit £1,000,000

• 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

• 2.00% AER fixed (1.98% gross pa) in-credit interest on balances up to £1,500 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 and low personal loan rate

• Must be 18 or older
• Must pay a minimum of £1,000 into the account each month, from an external source (i.e. not another Nationwide account)

• 0.60% 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
• Cashback capped at £5 for each cashback tier each month
• Monthly fee of £5
• Must pay a minimum of £500 into the account each month

• 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

Go to Starling Bank »

• 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

• UK & European Breakdown and Recovery Assistance
• Worldwide family travel insurance
• Worldwide family mobile phone insurance
• Commission-free cash withdrawals and card payments abroad
• Free mobile banking app, text alerts and secure online banking
• Access to Flexclusives – Select Credit Card and low personal loan rate

• Must be 18 or older
• £13 monthly account fee
• 39.9% EAR overdraft charge

• 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

• Everyday current account
• No monthly account fee
• Bank online, over the phone, in branch or via free mobile banking app
• Access to Flexclusives – Select Credit Card and low personal loan rate

• Must be 18 or older
•  0% interest on any balance
• 39.9% EAR overdraft charge

• 18.5% 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 – 4 December 2020
• Deadline for Direct & ISA applications –  23 December 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
• If you withdraw your money during the plan you may get back less than you originally invested

• 2.25% 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 – 4 December 2020
• Deadline for Direct & ISA applications –  23 December 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
• If you withdraw your money during the plan you may get back less than you originally invested

• Fixed return – Either 11.7% if the Index is above the Initial Level, or 4.2% 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 – 4 December 2020
• Deadline for Direct & ISA applications –  23 December 2020

• Minimum investment £3,000
• An arrangement fee applies to this plan
• If you withdraw your money during the plan you may get back less than you originally invested

• 5.4% 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 – 4 December 2020
• Deadline for Direct & ISA applications –  23 December 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
• If you withdraw your money during the plan you may get back less than you originally invested

• 4.05% 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 – 4 December 2020
• Deadline for Direct & ISA applications –  23 December 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
• If you withdraw your money during the plan you may get back less than you originally invested

• 1.75% 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 – 4 December 2020
• Deadline for Direct & ISA applications –  23 December 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
• If you withdraw your money during the plan you may get back less than you originally invested

• 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

• 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

• 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

• Sign up online for free– it only takes 10 minutes. After you’ve opened your account, you can manage everything online, no trips to the branch, ever
• Get dedicated payment instructions in HKD and USD, as well as EUR & GBP. Start receiving bank wires from customers around the world, without hidden fees.
• Make transfers locally or internationally. It’s faster, easier and cheaper than a bank. You can set up payees in a matter of seconds and send them funds at the click of a button
• Neat corporate Mastercard allows the best exchange rates. Enable your team members to handle corporate expenses or cash withdrawals from ATMs around the world

• Allocate amounts, and manage budgets for each Neat Mastercard. Verify transactions in real-time for maximum control and seamless expense claims
• Receive payments from your customers and disbursements from e-commerce platforms. Stripe, PayPal, Amazon and more are all covered
• Neat hold multiple regulatory licenses, and take the extra step to ensure that your funds are kept safe and secure
• Simple and straightforward pricing. No hidden fees

• 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

• 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

• 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