Current Accounts

Compare UK Mobile & High Street Current Accounts

Account
HSBC Advance Bank Account
Special Offer
£170
For Switching
Interest Rate
1.00% AER/Gross on Regular Savings
Funding Required
£1,750 pm or £10,500 over 6 months to qualify
Account Fee
FREE

SPECIAL OFFER – Get £170  when you switch to an HSBC Advance Bank Account

Account
First Direct 1st Account
Special Offer
£150 for Switching
or £20 to open without switching
Funding Required
No monthly minimum
Interest Rate
3.5% AER/Gross on Regular Savings
Account Fee
FREE

SPECIAL OFFER – Get £150  when you switch to a First Direct 1st Account, or if you’re not ready to switch £20 welcome when you open a current account

Account
HSBC Advance Bank Account
Special Offer
£170
For Switching
Interest Rate
1.00% AER/Gross on Regular Savings
Funding Required
£1,750 pm or £10,500 over 6 months to qualify
Account Fee
FREE

SPECIAL OFFER – Get £170  when you switch to an HSBC Advance Bank Account

Account
Santander 1|2|3 Current Account
Interest Rate
0.50% AER fixed on balances up to £20,000
Rewards
Up to 3% cashback on household bills
Funding Required
£500 per month
Account Fee
£4 pm
Account
First Direct 1st Account
Special Offer
£150 for Switching
or £20 to open without switching
Funding Required
No monthly minimum
Interest Rate
3.5% AER/Gross on Regular Savings
Account Fee
FREE

SPECIAL OFFER – Get £150  when you switch to a First Direct 1st Account, or if you’re not ready to switch £20 welcome when you open a current account

Account
Starling Bank Mobile App Bank Account
Details
The award-winning current account built to give you more control over your money. Voted Best British Bank 2018-2021*
Spend & Transfer Money Abroad
Account fee
FREE
*Best British Bank and Best Current Account 2018 – 2021 at the British Bank Awards. Awarded 5 stars by Defaqto too
Account
Monese Multi-Currency Mobile App Bank Account
Details
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
Adverse Credit
Details
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
Account
Currensea Mobile App Bank Account
Details
Spend in confidence, whilst saving money on your overseas purchases
Spend & Transfer Money Abroad
Account fee
FREE
Account
Revolut Mobile App Bank Account
Details
Modern banking: set up and manage current account directly from your phone
Spend & Transfer Money Abroad
Account fee
£0 to £12.99 per month
Account
Santander 1|2|3 Lite Current Account
Details
Up to 3% cashback on selected household bills and up to 15% cashback with Retailer Offers
Funding Required
£500 per month
Account fee
£2 per month
Account
NatWest Reward Current Account
Details
Up to £4 back in Rewards a month and at least 1% back on partner retailers*
Funding Required
£1,250 per month
Account fee
£2 per month
Account
Royal Bank of Scotland Reward Current Account
Details
Up to £4 back in Rewards a month and at least 1% back on partner retailers*
Funding Required
£1,250 per month
Account fee
£2 per month
Account
Santander 1|2|3 Current Account
Interest Rate
0.50% AER fixed on balances up to £20,000
Rewards
Up to 3% cashback on household bills
Funding Required
£500 per month
Account Fee
£4 pm
Account
Card One Money Current Account
Adverse Credit
Details
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
Cashback
Account
Santander 1|2|3 Student Current Account
Funding Required
£500 per term
Overdraft
£1,500 Interest Free increasing to £2,000
Details

A free 4-year Santander 16-25 Railcard worth £100 (average saving of £189 per year)

Account
First Direct 1st Account
Special Offer
£150 for Switching
or £20 to open without switching
Funding Required
No monthly minimum
Interest Rate
3.5% AER/Gross on Regular Savings
Account Fee
FREE

SPECIAL OFFER – Get £150  when you switch to a First Direct 1st Account, or if you’re not ready to switch £20 welcome when you open a current account

Account
HSBC Advance Bank Account
Special Offer
£170
For Switching
Interest Rate
1.00% AER/Gross on Regular Savings
Funding Required
£1,750 pm or £10,500 over 6 months to qualify
Account Fee
FREE

SPECIAL OFFER – Get £170  when you switch to an HSBC Advance Bank Account

Account
Santander Everyday Current Account
Features
Earn up to 15% cashback with Retailer Offers
Account Fee
No fee
Funding Required
No minimum
Account
NatWest Select Current Account
Funding Required
No minimum
Overdraft
Arranged Overdraft Available
Account fee
No fee
Account
Royal Bank of Scotland Select Current Account
Funding Required
No minimum
Overdraft
Arranged Overdraft Available
Account fee
No fee
Account
Cashplus Current Account
Adverse Credit
Details
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
Account
HSBC Advance Bank Account
Special Offer
£170
For Switching
Interest Rate
1.00% AER/Gross on Regular Savings
Funding Required
£1,750 pm or £10,500 over 6 months to qualify
Account Fee
FREE

SPECIAL OFFER – Get £170  when you switch to an HSBC Advance Bank Account

Account
First Direct 1st Account
Special Offer
£150 for Switching
or £20 to open without switching
Funding Required
No monthly minimum
Interest Rate
3.5% AER/Gross on Regular Savings
Account Fee
FREE

SPECIAL OFFER – Get £150  when you switch to a First Direct 1st Account, or if you’re not ready to switch £20 welcome when you open a current account

Account
Santander 1|2|3 Mini Current Account
Interest Rate
3% AER
2.96% gross
Interest Earned Between
£1,500 to 2,000
Minimum Deposit
No minimum
Account
Santander 1|2|3 Student Current Account
Funding Required
£500 per term
Overdraft
£1,500 Interest Free increasing to £2,000
Details

A free 4-year Santander 16-25 Railcard worth £100 (average saving of £189 per year)

Account
Cashplus Current Account
Adverse Credit
Details
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
Account
Card One Money Current Account
Adverse Credit
Details
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
Cashback
Account
Starling Bank Business Current Account
Details
Zero monthly fees with a fast and straightforward setup, the digital bank account built for contractors, freelancers and small businesses
Debit Card
Monthly Account Fee
FREE

Add the Business Toolkit to your free account and automate bookkeeping alongside your banking to save precious time on financial admin – Get the first month free (£7 per month after that)

Account
Go Solo Business Bank Account
Details
Open a business bank account with a debit card and start trading. Additional option to register a new UK limited company
Debit Card
Monthly Account Fee
FREE to Start

Account
Tide Business Current Account
Details
Powerful and simple business account - built to make your life easier. For companies of all shapes and sizes. Trusted by 130,000+ UK businesses
Debit Card
Monthly Account Fee
FREE

Get £50! Open a business current account with Tide & Fair Investment*

*£50 and a year of free transfers when you open a business account. T&Cs apply. Use the code: FAIRINVESTMENT
Account
OuiTrust Business Bank Account
Details
Open your multi-currency business account in minutes. Save money on international payments
Debit Card
Monthly Account Fee
FREE to Start

Account
Cashplus Business Account
Details
The Current Account of Today. No credit checks to apply. Instant approval once we verify your details. Real time banking services at a click or tap
Debit Card
Monthly Account Fee
No Monthly Fee
Account
Card One Business Account
Details
Account designed specifically for small businesses. No credit checks to apply. Free mobile app. Earn cash back up to 3.5%
Debit Card
Monthly Account Fee
£12.50
Account
Anna Business Current Account
Details
ANNA Money is the business current account for startups, small businesses and sole traders
Debit Card
Monthly Account Fee
FREE for 6 months*
Account
Currensea Business Current Account
Details
Currensea is a new way to globalise existing business bank accounts. Pay in every currency without the fees
Debit Card
Monthly Account Fee
FREE

Switch Incentive Current Accounts

Switch Incentive Current AccountsGet Up to £150 for switching 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
HSBC Advance Bank Account
Special Offer
£170
For Switching
Interest Rate
1.00% AER/Gross on Regular Savings
Funding Required
£1,750 pm or £10,500 over 6 months to qualify
Account Fee
FREE

SPECIAL OFFER – Get £170  when you switch to an HSBC Advance Bank Account

Account
First Direct 1st Account
Special Offer
£150 for Switching
or £20 to open without switching
Funding Required
No monthly minimum
Interest Rate
3.5% AER/Gross on Regular Savings
Account Fee
FREE

SPECIAL OFFER – Get £150  when you switch to a First Direct 1st Account, or if you’re not ready to switch £20 welcome when you open a current account

Everyday Current Accounts

Everyday Current Accounts

Account
Santander Everyday Current Account
Features
Earn up to 15% cashback with Retailer Offers
Account Fee
No fee
Funding Required
No minimum
Account
NatWest Select Current Account
Funding Required
No minimum
Overdraft
Arranged Overdraft Available
Account fee
No fee
Account
Royal Bank of Scotland Select Current Account
Funding Required
No minimum
Overdraft
Arranged Overdraft Available
Account fee
No fee
Account
First Direct 1st Account
Special Offer
£150 for Switching
or £20 to open without switching
Funding Required
No monthly minimum
Interest Rate
3.5% AER/Gross on Regular Savings
Account Fee
FREE

SPECIAL OFFER – Get £150  when you switch to a First Direct 1st Account, or if you’re not ready to switch £20 welcome when you open a current account

Account
Cashplus Current Account
Adverse Credit
Details
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
Account
HSBC Advance Bank Account
Special Offer
£170
For Switching
Interest Rate
1.00% AER/Gross on Regular Savings
Funding Required
£1,750 pm or £10,500 over 6 months to qualify
Account Fee
FREE

SPECIAL OFFER – Get £170  when you switch to an HSBC Advance Bank Account

High Interest Current Accounts

High Interest Current Accounts

Account
HSBC Advance Bank Account
Special Offer
£170
For Switching
Interest Rate
1.00% AER/Gross on Regular Savings
Funding Required
£1,750 pm or £10,500 over 6 months to qualify
Account Fee
FREE

SPECIAL OFFER – Get £170  when you switch to an HSBC Advance Bank Account

Account
First Direct 1st Account
Special Offer
£150 for Switching
or £20 to open without switching
Funding Required
No monthly minimum
Interest Rate
3.5% AER/Gross on Regular Savings
Account Fee
FREE

SPECIAL OFFER – Get £150  when you switch to a First Direct 1st Account, or if you’re not ready to switch £20 welcome when you open a current account

Account
Santander 1|2|3 Current Account
Interest Rate
0.50% AER fixed on balances up to £20,000
Rewards
Up to 3% cashback on household bills
Funding Required
£500 per month
Account Fee
£4 pm

Reward & Cashback Current Accounts

Reward & Cashback Current Accounts

Account
NatWest Reward Current Account
Details
Up to £4 back in Rewards a month and at least 1% back on partner retailers*
Funding Required
£1,250 per month
Account fee
£2 per month
Account
Royal Bank of Scotland Reward Current Account
Details
Up to £4 back in Rewards a month and at least 1% back on partner retailers*
Funding Required
£1,250 per month
Account fee
£2 per month
Account
Santander 1|2|3 Lite Current Account
Details
Up to 3% cashback on selected household bills and up to 15% cashback with Retailer Offers
Funding Required
£500 per month
Account fee
£2 per month
Account
Santander 1|2|3 Current Account
Interest Rate
0.50% AER fixed on balances up to £20,000
Rewards
Up to 3% cashback on household bills
Funding Required
£500 per month
Account Fee
£4 pm
Account
Santander Everyday Current Account
Features
Earn up to 15% cashback with Retailer Offers
Account Fee
No fee
Funding Required
No minimum
Account
Santander 1|2|3 Student Current Account
Funding Required
£500 per term
Overdraft
£1,500 Interest Free increasing to £2,000
Details

A free 4-year Santander 16-25 Railcard worth £100 (average saving of £189 per year)

Account
HSBC Advance Bank Account
Special Offer
£170
For Switching
Interest Rate
1.00% AER/Gross on Regular Savings
Funding Required
£1,750 pm or £10,500 over 6 months to qualify
Account Fee
FREE

SPECIAL OFFER – Get £170  when you switch to an HSBC Advance Bank Account

Mobile App Current Accounts

Mobile App Current Accounts

Account
Starling Bank Mobile App Bank Account
Details
The award-winning current account built to give you more control over your money. Voted Best British Bank 2018-2021*
Spend & Transfer Money Abroad
Account fee
FREE
*Best British Bank and Best Current Account 2018 – 2021 at the British Bank Awards. Awarded 5 stars by Defaqto too
Account
Monese Multi-Currency Mobile App Bank Account
Details
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
Adverse Credit
Details
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
Account
Currensea Mobile App Bank Account
Details
Spend in confidence, whilst saving money on your overseas purchases
Spend & Transfer Money Abroad
Account fee
FREE
Account
Revolut Mobile App Bank Account
Details
Modern banking: set up and manage current account directly from your phone
Spend & Transfer Money Abroad
Account fee
£0 to £12.99 per month

Children's Current Accounts

Children’s Current Accounts

Account
Santander 1|2|3 Mini Current Account
Interest Rate
3% AER
2.96% gross
Interest Earned Between
£1,500 to 2,000
Minimum Deposit
No minimum

Student Current Accounts

Student Current Accounts

Account
Santander 1|2|3 Student Current Account
Funding Required
£500 per term
Overdraft
£1,500 Interest Free increasing to £2,000
Details

A free 4-year Santander 16-25 Railcard worth £100 (average saving of £189 per year)

Bad Credit Current Accounts

Bad Credit Current Accounts

Account
Cashplus Current Account
Adverse Credit
Details
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
Account
Card One Money Current Account
Adverse Credit
Details
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
Cashback

High Net Worth Current Accounts

High Net Worth Current Accounts

There are no tables for this criteria

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.