Compare current accounts

See if you could switch to a better current account or banking app.

Promoted for switching bonus

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Get £175 for switching

Requires credit check. T&Cs apply.

No monthly fee
Easy to apply
Access to regular saver account

Promoted for welcome bonus

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£20 sign-up bonus

Low overseas fees
Quick sign-up
Earn cashback on spending

Best for extra features

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No overseas fees

Pay anywhere, in any currency, fee-free
Make fee-free cash withdrawals
Get worldwide travel insurance and more with Monzo Premium

How to compare current accounts

The best current account for a recent school-leaver in their first job probably won’t be the best for a jet-setting high-flyer, so think about which features are the most important to you. Here’s our checklist:

1. Check the ways you can bank. Do you need an extensive branch network that you can visit in person, or are you happy to manage all of your finances online or through an app? If your bank doesn’t have branches, how good is its customer support?
2. Check the bells and whistles. Some accounts just offer the basic features – fine if you just need your salary paid in and bills paid out. But perhaps you’re looking for a slick app, spending categorisation, budgeting tools, a flexible overdraft, etc.
3. Check the fees and costs. With free current accounts (all major banks offer these), there can still be charges for certain types of transaction, like using your card overseas. Need an overdraft? Confirm what interest you’ll pay.
4. Check if a “packaged” account would be better value. Some accounts charge a monthly fee in return for bundled benefits like phone/travel insurance or breakdown cover – great if the value of the perks outweighs the extra cost to you.
5. Is there a joining or switching incentive? Banks are vying for customers so they often have tasty offers to get you to sign up. The most popular incentive is (unsurprisingly) a cash lump sum.

How to switch

Had your account for years? Switching may seem daunting, and people stick with bad deals just to avoid hassle. But the process is in truth quite simple thanks to the Current Account Switch Service (CASS). Banks signed up to CASS switch your account for you in 7 working days, and you don’t need to do anything. Here’s how it works:

1. Your balance is transferred to your newly-opened account.
2. Incoming payments to your old account are redirected, along with outgoing direct debits, standing orders, etc.
3. Your old account is closed.

Compare current accounts

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Product	Finder Score	Account fees	Funding requirement	Interest (AER)	Arranged overdraft	Incentive	Representative example
Revolut Standard Account Exclusive	Finder score 9.1Excellent	£0	No minimum funding requirement	0% AER		Get a £20 welcome bonus when you spend your first £20 (T&Cs apply).		Go to siteSee dealView details Compare	loading Fetching your data...
first direct 1st Account Finder AwardOffer	Finder score 8.2Great	£0	No minimum funding requirement	0% AER		Switch to a 1st Account and get £175*. Requires credit check. New customers only and T&Cs apply.	*Within 45 days of your account opening you need to switch to first direct using the Current Account Switch Service (including at least 2 direct debits or standing orders), deposit £1000, make 5+ debit card payments and log in to digital banking. New customers only, who haven’t previously held a first direct or HSBC product on or after 1 January 2018. Representative Example: How does our overdraft compare? The representative APR shows the cost of borrowing over a year, so you can use it to compare the cost of our overdraft against other overdrafts and ways of borrowing. 0% EAR variable on the first £250, 39.9% EAR variable thereafter, giving a representative rate of 30.5% APR variable (assumed arranged overdraft £1,200). For customers with an offset mortgage linked to a 1st Account, the interest-free limit will not apply.	Go to siteView details Compare	loading Fetching your data...
TSB Spend & Save Account Finder AwardCashback	Finder score 7.1Great	£0	No minimum funding requirement	0% AER	39.9% EAR variable	Earn £5 cashback a month when making 20 or more debit card payments each month. T&Cs apply.	If you use an arranged overdraft of £1,200, you'll be charged interest at 39.9% EAR variable/APR representative.	Go to siteView details Compare	loading Fetching your data...
Monzo Free Account Finder Award	Finder score 9.8Excellent	£0	No minimum funding requirement	0% AER	39% EAR variable	Monzo Instant Access Savings Pot earns you 3.50% AER interest (variable), paid monthly into the Pot you create.	Representative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 39% EAR variable. Account fee of £0.	Go to siteView details Compare	loading Fetching your data...
Royal Bank of Scotland Select Account	Finder score 8.7Great	£0	No minimum funding requirement	0% AER	39.49% EAR variable (subject to status)		You must be 18+ and a UK resident. Representative Example: Effective Annual Rate: 39.49% EAR (variable). Representative APR: 39.49% APR (variable). Assumed credit limit: £1,200 Subject to status. How does this overdraft compare? Representative APRs help you compare the cost of different credit products.	Go to siteView details Compare	loading Fetching your data...
TSB Spend & Save Plus Account Finder AwardCashback	Finder score 9.3Excellent	£3 per month	No minimum funding requirement	0% AER	N/A	Earn £5 cashback a month when making 20 or more debit card payments each month. T&Cs apply.	Account fee of £3 per month.	Go to siteView details Compare	loading Fetching your data...
NatWest Premier Select Account Offer	Finder score 7.8Great	£0	No minimum funding requirement	0% AER	34.49% EAR (variable)	No foreign transaction fees on purchases abroad (ATM withdrawals & local fees may apply).	To apply, you need to be 18+ and a UK resident and have ONE of the following: Pay a minimum £100k sole income or £120k joint income paid into a NatWest account. Have £500k minimum mortgage borrowing with us. A minimum £100k savings or investments held with us. Representative Example: Assumed arranged overdraft of £1,200. Effective annual interest rate 0% on arranged overdrafts up to £500, 34.49% EAR (variable) above £500. Representative 20.1% APR (variable). How does this overdraft compare? Representative APRs help you compare the cost of different credit products.	Go to siteView details Compare	loading Fetching your data...
Royal Bank of Scotland Reward Account	Finder score 8.8Great	£2 per month	Min. £1250 Per Month	0% AER	39.49% EAR variable	You must be 18+ and a UK resident. Earn up to £5/month in Rewards (£4 with 2x +£2 direct debits set up, £1 for monthly app log in) and from 1% in Rewards when you spend with selected partners..	Representative Example: Effective Annual Rate: 39.49% EAR (variable). Representative APR: 39.49% APR (variable). Assumed credit limit: £1,200 Subject to status. How does this overdraft compare? Representative APRs help you compare the cost of different credit products.	Go to siteView details Compare	loading Fetching your data...
Santander Everyday Current Account	Finder score 8.5Great	£0	No minimum funding requirement	0% AER	39.94% EAR variable	A simple and straightforward current account, with no monthly fee.	Representative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 39.94% EAR variable.	Go to siteView details Compare	loading Fetching your data...
Chase Current Account Finder AwardOffer	Finder score 8.2Great	£0	No minimum funding requirement	0% AER		Receive 1% cashback on everyday debit card purchases capped at £15.	18+, UK residents. Cashback available for your first 12 months for new customers. Max £15 per month. Cashback exceptions apply.	View details Compare	loading Fetching your data...
HyperJar Prepaid Card	Finder score Not yet rated	£0	No minimum funding requirement	0% AER	N/A			Go to siteView details Compare	loading Fetching your data...
Revolut Metal Account Exclusive	Finder score 8.6Great	£14.99 per month	No minimum funding requirement	0% AER		Get a £20 welcome bonus when you spend your first £20 (T&Cs apply).	Account fee of £14.99 per month.	Go to siteSee dealView details Compare	loading Fetching your data...
Monzo Extra Account Finder Award	Finder score Not yet rated	£3.00 per month	No minimum funding requirement	0% AER	39% EAR variable	Get the best of Monzo money management: see your other banks and credit cards in Monzo, credit insights, personalised spending categories and more.	Account fee of £3 per month. 18+ only. T&Cs apply. You must have a Monzo Current Account to sign up to Monzo Extra. Representative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 39% EAR variable. Account fee of £3 per month.	Go to siteView details Compare	loading Fetching your data...
Santander Edge Current Account Cashback	Finder score 9.8Excellent	£3 per month	Min. £500 Per Month (Minimum two direct debit mandates on account per month)	0% AER	39.94% EAR variable	Earn cashback every month on selected household bills and essential spend.	Representative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 39.94% EAR variable. Account fee of £3 per month.	Go to siteView details Compare	loading Fetching your data...
Revolut Plus Account Exclusive	Finder score 8.6Great	£3.99 per month	No minimum funding requirement	0% AER	N/A	Get a £20 welcome bonus when you spend your first £20 (T&Cs apply).	Account fee of £3.99 per month.	Go to siteSee dealView details Compare	loading Fetching your data...
Santander Edge Up current account Cashback	Finder score 9.6Excellent	£5 per month	Min. £1500 Per Month (Minimum two direct debit mandates on account per month)	3% AER	39.94% EAR variable	Earn cashback every month on selected household bills and essential spend plus interest on your balance.	Representative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 39.94% EAR variable. Account fee of £5 per month.	Go to siteView details Compare	loading Fetching your data...
Revolut Premium Account Exclusive	Finder score 8.8Great	£7.99 per month	No minimum funding requirement	0% AER		Get a £20 welcome bonus when you spend your first £20 (T&Cs apply).	Account fee of £7.99 per month.	Go to siteSee dealView details Compare	loading Fetching your data...
NatWest Reward Account	Finder score 8.8Great	£2 per month	Min. £1250 Per Month	0% AER	39.49% EAR variable	£150 for accounts switched using the Current Account Switch Service.	Representative Example: Effective Annual Rate: 39.49% EAR (variable). Representative APR: 39.49% APR (variable). Assumed credit limit: £1,200 Subject to status. How does this overdraft compare? Representative APRs help you compare the cost of different credit products.	View details Compare	loading Fetching your data...
NatWest Select Account	Finder score 9Excellent	£0	No minimum funding requirement	0% AER	39.49% EAR variable (subject to status)		You must be 18+ and a UK resident. Representative Example: Effective Annual Rate: 39.49% EAR (variable). Representative APR: 39.49% APR (variable). Assumed credit limit: £1,200 Subject to status. How does this overdraft compare? Representative APRs help you compare the cost of different credit products.	Go to siteView details Compare	loading Fetching your data...
Kroo Current Account	Finder score 7.1Great	£0	No minimum funding requirement	3.4% AER				View details Compare	loading Fetching your data...

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How we picked these

Finder Score for bank accounts

To make comparing even easier we came up with the Finder Score. Fees, features and customer service across 20+ of the most popular banks are all weighted and scaled to produce a score out of 10. The higher the score the better the account – simple.

Read the full methodology

Frequently asked questions

• Can I get a current account?

  To be eligible to open a current account, you must be a legal UK resident, and at least 16 years old. Some banks may stipulate that you must be 18 if you don’t have parental approval. You may also need to be credit checked – this is because many current accounts will come with an overdraft that may be reduced if you have a poor credit history.

• How do I apply for a current account?

  With most banks, you can usually apply online – you will need to provide your personal and financial details. In some cases, you may then be asked to pop into a branch to have your ID verified. If you’re applying for an account with a digital-only bank, you’ll usually need to apply from the mobile app and to provide a picture of your ID.

• Can I add someone to my current account?

  You usually can. You’ll have to get in touch with your bank, who will be able to turn your personal current account into a joint account.

• How much should I pay into a current account?

  There are no fixed rules and you can keep as little as £1 in your current account. However, people usually have their salary paid into their current account and keep most of it there to spend it over the course of the month, together with some emergency funds that are thus easily accessible if anything goes wrong. It’s also a good idea to open a savings account to put your savings aside (so you’re less tempted to spend them). Finally, keep in mind that some current accounts may require you to deposit a minimum sum every month in order to access certain benefits.

• What type of current account is right for me?

  It all depends on your circumstances, but in a nutshell, you want: a) no fees, b) agility (your account must be easy to manage and use) and c) some nice rewards and perks if possible. In our opinion, the first two things beat the third one – rewards and bonuses are great, but being able to keep on top of your finances for free and with no headaches is much more important.