Current Accounts

Compare the latest current account deals with switch rewards

Switch Incentive Current Accounts

Some banks offer very attractive monetary incentives for switching current accounts. The Current Account Switch Service makes switching simple, reliable and stress-free.

Account
first direct 1st Account
Special Offer
£175
for Switching
Funding Required
No monthly minimum
Interest Rate
7% AER/Gross on Regular Savings
Account Fee
FREE

SPECIAL OFFER – Get £175  when you switch to a first direct 1st Account

Everyday Current Accounts

Account
Santander Everyday Current Account
Features
The current account for your every day banking needs
Funding Required
No minimum
Account Fee
No fee
Account
first direct 1st Account
Special Offer
£175
for Switching
Funding Required
No monthly minimum
Interest Rate
7% AER/Gross on Regular Savings
Account Fee
FREE

SPECIAL OFFER – Get £175  when you switch to a first direct 1st Account

Account
Cashplus Current Account
Features
No credit checks - instant online decision. Apply from your mobile and manage your money with the banking app. Add Creditbuilder to your account and it could help build your credit rating at no extra cost
Adverse Credit

High Interest Current Accounts

Account
first direct 1st Account
Special Offer
£175
for Switching
Funding Required
No monthly minimum
Interest Rate
7% AER/Gross on Regular Savings
Account Fee
FREE

SPECIAL OFFER – Get £175  when you switch to a first direct 1st Account

Account
Chase Current Account
Features
1% cashback on your everyday debit card spending for your first 12 months. Cashback exceptions and limits apply. Plus access to a 4.1% AER easy access saver account
Funding Required
No monthly minimum
Account fee
FREE
Account
Santander Edge Up Current Account
Features
3.50% AER (3.45% gross variable) on balances up to £25,000, and up to 1% cashback on household bills, supermarket and travel costs (exclusions apply)
Funding Required
£1,500 per month
Account Fee
£5 pm
Account
Santander Edge Current Account
Features
Earn cashback every month on selected household bills and essential spend, plus get access to an exclusive savings account paying 7% AER
Funding Required
£500 per month
Account fee
£3 per month

Reward & Cashback Current Accounts

Account
Santander Edge Current Account
Features
Earn cashback every month on selected household bills and essential spend, plus get access to an exclusive savings account paying 7% AER
Funding Required
£500 per month
Account fee
£3 per month
Account
Chase Current Account
Features
1% cashback on your everyday debit card spending for your first 12 months. Cashback exceptions and limits apply. Plus access to a 4.1% AER easy access saver account
Funding Required
No monthly minimum
Account fee
FREE
Account
Santander Edge Up Current Account
Features
3.50% AER (3.45% gross variable) on balances up to £25,000, and up to 1% cashback on household bills, supermarket and travel costs (exclusions apply)
Funding Required
£1,500 per month
Account Fee
£5 pm
Account
Santander Everyday Current Account
Features
The current account for your every day banking needs
Funding Required
No minimum
Account Fee
No fee
Account
Santander 1|2|3 Student Current Account
Features

A free 4-year Santander 16-25 Railcard worth £100 (average saving of £182 per year)

Funding Required
£500 every 4 months
Overdraft
£1,500 Interest Free increasing to £2,000

Mobile App Current Accounts

Account
Chase Current Account
Features
1% cashback on your everyday debit card spending for your first 12 months. Cashback exceptions and limits apply. Plus access to a 4.1% AER easy access saver account
Funding Required
No monthly minimum
Account fee
FREE
Account
Starling Bank Mobile App Bank Account
Features
The award-winning current account built to give you more control over your money. Which? Banking Brand of the Year 2023
Funding Required
No minimum
Account fee
FREE
*Which? Banking Brand of the Year 2023
Account
Monese Multi-Currency Mobile App Bank Account
Features
Multi-currency banking app that provides you with fast and free current accounts in 31 countries
Spend & Transfer Money Abroad for Free
Account fee
£0 to £14.95 per month
Account
Cashplus Current Account
Features
No credit checks - instant online decision. Apply from your mobile and manage your money with the banking app. Add Creditbuilder to your account and it could help build your credit rating at no extra cost
Adverse Credit
Account
Currensea Mobile App Bank Account
Features
Spend in confidence, whilst saving money on your overseas purchases
Spend & Transfer Money Abroad
Account fee
FREE
Account
Revolut Mobile App Current Account
Features
Modern banking: set up and manage current account directly from your phone
Spend & Transfer Money Abroad
Account fee
£0 to £12.99 per month

SPECIAL OFFER: 3 months of free Revolut Premium trial instead of a cash award

High Net Current Accounts

There are no tables for this criteria

Children’s Current Accounts

Account
NatWest Rooster Money Child's Pre-Paid Bank Account
Features
A head start with money - Kids' prepaid debit card and pocket money app. Teaching them good life lessons for the future
Covered Under the FSCS
Monthly Fee
From zero to £1.99
Account
Santander 1|2|3 Mini Current Account
Features
3% interest AER
(2.96% gross)
Interest Earned Between
£1,500 to 2,000
Minimum Deposit
No minimum
Account
Go Henry Kid's Bank Account
Features
The kids' prepaid debit card & financial education app
Covered Under the FSCS
Monthly Fee
£2.99
Account
Starling Kite Child's Bank Account
Features
Open a Starling Kite account for your child and they get a pre-paid debit card and you get to keep an eye on their spending all from a single app
Covered Under the FSCS
Monthly Fee
£2

SPECIAL OFFER: Sign up and get your first month free. There’s no need to commit, and you can cancel at any time. Try Kite today

Account
Revolut Junior Account
Features
Designed for kids, controlled by you, teach kids money skills for life
Covered Under the FSCS
Monthly Fee
Varies from zero to £12.99

Student Current Accounts

Account
Santander 1|2|3 Student Current Account
Features

A free 4-year Santander 16-25 Railcard worth £100 (average saving of £182 per year)

Funding Required
£500 every 4 months
Overdraft
£1,500 Interest Free increasing to £2,000

Bad Credit Current Accounts

Account
Suits Me Bank Account
Features
Get instant access to a UK account in minutes. No credit checks! Just 10 minutes to apply. Receive and send payments to and from your account via the app, and earn with exclusive cashback rewards & partner deals
Adverse Credit
Account
Cashplus Current Account
Features
No credit checks - instant online decision. Apply from your mobile and manage your money with the banking app. Add Creditbuilder to your account and it could help build your credit rating at no extra cost
Adverse Credit
Account
Card One Money Current Account
Features
No credit checks - open to everyone with guaranteed acceptance. Help manage your money. Account comprises of a Billing Account for money in and to pay your bills from, plus a Debit Mastercard for your every day spending
Adverse Credit
Cashback

Change to a current account that suits you better

More than 5.1 million UK bank and building society customers have switched their bank accounts using the free (and guaranteed) current account switching service which simplifies the process for customers.

They’re choosing accounts which are better suited to their spending and saving patterns, and offer them rewards that they will really make use of.

7 steps to switch your current account in 7 days:

1 Have a look at the different current account features on offer and choose the account you want to switch to. (You won’t be able to switch from a joint account to a sole account. And if you have an overdraft, you’ll need to checked if a new bank or building society is willing to let you transfer it over.)

2 Check that the bank / building society you’re currently using is signed up to the Current Account Switch Guarantee service.

3 Check that the one you want to transfer to is also signed up to the service. (All but one of the banks / building societies on Fair Investment are part of the scheme.)

If either account isn’t part of the service, you can still switch – you’ll just need to do it manually.

4 Follow the links from Fair Investment on this page to the current account you’ve chosen and fill in the details. Provide them with two separate documents proving your identity and your address.

5 As soon as the account is opened you just need to complete a Switch Agreement form and an Account Closure form.

6 If you want to do a complete switch, closing your old account, your chosen bank will contact your old bank and arrange for your balance and payments to be transferred over, including direct debits and standing orders going out, and salary payments coming in.

7 Everything will be completed within 7 working days. You can agree the date you want  your new account to open, and the process will start six working days before that.

How soon you’ll get your debit card and PIN isn’t covered by the guarantee: that depends on how quickly your new bank can get them sent out to you. So your new account will be set up in seven working days, but you may have to wait a bit longer to access it.

Your new bank is responsible for contacting you before the switch date if there are any hitches with transferring your standing orders and direct debits – and incoming payments.

And the switching service is covered by a guarantee: the new bank must refund you if there are any charges because payments didn’t go through on time.  But you have to ask them for this.

Yes – you can use the partial switch service and keep your old account open, transferring all or some of your payments. But the process isn’t covered by the service guarantee so it can take longer: possibly up to 20 working days. And there isn’t an automatic-redirect for the three years after you switch. A partial switch may not qualify for the incentives offered for switching (though that shouldn’t be the only reason why you change accounts).

Not all your regular bill payments may be made by direct debits or standing orders. Some service providers (such as telecoms services, online subscriptions, gym membership and payday loans) get you to set up a “recurring payment” or “continuous payment authority” which is linked to your debit or credit card

Because they’re linked to a card rather than directly to your bank account, they’re not included in the switching service (or covered by the guarantee).

It’s not always clear which are your continuous payment authorities: you won’t find them listed on your online banking portal. When you set them up you were asked for you card details (“please read me the long card number”) rather than your bank account and sort code numbers.

You’ll need to check your monthly card statements: any regular payments going out each month that are not marked as DD (direct debit) or SO (standing order) are likely to be continuous payment authorities.

If you want to keep paying for this service (or loan) in this way, you’ll need to contact each provider and tell them your new card details as soon as you have them.

This may sound like a lot of bother, but it is useful to check periodically what’s going out of your account regularly: there may be services you’re not using (such as fast delivery, or additional online data storage) that you want to cancel.

If you can remember the family members or friends who occasionally transfer money directly to your bank, you can send them your new account details and ask them to set them you up as a new Payee.

It’s probably not a good idea to just email all your Contacts with your new account details. If you’re concerned about email security, the most secure way of sending bank account details to specific people is via WhatsApp.

And if any payments are accidentally made to your old account, for 36 months (three years) after you’ve switched, your new bank or building society will arrange for any payments to be automatically redirected to your new account. They will also contact the sender and give them your new account details.

You can pick any convenient day in the month, so long as it’s more than a week away, and not a weekend or a bank holiday.

If all your regular payments tend to go out of your account around the same time it’s best to choose a time of the month when your bank account isn’t so busy.