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Current Accounts

"At least Dick Turpin wore a mask" said one respondent to our Annual Banking and Credit Card survey, when talking about bank charges. Another said of the highest rated bank, "I can’t believe how much easier my life has become since I changed banks."

There's a World of difference in the customer service that different banks offer to their customers. Yet far too many of us stick with our original choice, soldier on, and then moan about them.

If you think that the definition of a banker is someone who is happy to lend you an umbrella, but wants it back when it starts to rain, then change banks and change your life.

The moving process is now all streamlined and a lot easier than it ever has been.

If you know your credit rating, select it by hovering your mouse over the panel to the right and clicking on the appropriate rating. If you don’t know your credit rating, click the button to calculate it for free. This will match up your rating with lender appetite to give you the best chance of success with your application.

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Santander 123 Current Account - 1% AER

APPLY TODAY
Find out more & apply online now
  • Bank in branch or using the internet
  • UK Call Centres
  • Arranged overdraft interest and charges - Representative 39.94% APR/EAR (variable) Unarranged overdraft interest and charges - Representative 1% APR/EAR (variable)
  • £10 returned direct debit charge
  • £6 unapproved borrowing charge
  • Recommended by 83% of customers surveyed

Santander’s customers are attracted by the interest rates it offers on current balances – which are tiered depending on how much you keep on account – and are comparable to the best savings account rates around. After a £5 per month fee, it also offers cashback on direct debit payments – 3% on mobile phone bills, TV subscriptions and broadband, 2% on gas and electricity bills, and 1% on water and council tax bills (and on Santander mortgage payments too) capped at £5 for each cashback tier each month. This is a market leading reward package - see terms for full details. In our most recent Annual Banking and Credit Card Survey Santander moved up fast, close behind First Direct. Its online service is good and its overall offer now makes First Direct look stale and dated. Santander is a good choice for those wanting to make their money work for them and earn decent returns.

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First Direct Current Account - 0% AER

APPLY TODAY
Find out more & apply online now
  • Bank online, no branch banking
  • UK Call Centres
  • Automatic £250 interest-free overdraft
  • £10 returned direct debit charge
  • £25 unapproved borrowing charge
  • Recommended by 83% of customers surveyed

The no 1 reason for moving to First Direct is the outstanding customer service it provides from its UK call centre. First Direct is rated no 1 for customer service in our Annual Banking and Credit Card Survey and has achieved that position every year bar one. You’ll also get £100 for transferring your account across. So what’s not to like? Their online banking system is antiquated and basic – NatWest is miles ahead here. The built-in overdraft facility of £250 is set very low indeed. Getting an increase in the overdraft limit puts you through the third degree – you’ll understand why payday lenders have become so popular if you put yourself through this. There’s no interest paid on credit balances and no cashback or reward schemes – Santander knocks First Direct out with that side of things. Indeed Santander's current offer makes First Direct look very dated. But if you just want a basic, online only bank account with great customer service, First Direct is a good choice.

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NatWest Select Current Account - 0% AER

APPLY TODAY
Find out more & apply online now
  • Bank in branch or using the internet
  • UK Call Centres
  • Overdraft is subject to acceptance, 19.89% EAR.
  • £6 returned direct debit charge
  • £6 unapproved borrowing charge
  • Recommended by 80% of customers surveyed

A basic account with no monthly fees that gives you a contactless Visa debit card allowing you to make payments under £30 with one tap, online banking and an overdraft (subject to eligibility). Pay your way - use Apple Pay and Google Pay™ for payments with your phone, and Paym, to send money securely with just a telephone number and our mobile banking app

Representative example (based on £1200 limit): 19.89% EAR variable. £6 arranged Overdraft fee and no account fee applies. Applicants must be 18+ and be a UK resident.

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NatWest Reward Current Account - 0% AER

APPLY TODAY
Find out more & apply online now
  • Bank in branch or using the internet
  • UK Call Centres
  • Overdraft subject to acceptance, 19.89% EAR
  • £6 returned direct debit charge
  • £6 unapproved borrowing charge
  • Recommended by 80% of customers surveyed

Although the account comes with a £2 monthly account fee, you can easily earn this back and more by just using your account. You'll earn £4 a month back in Rewards for 2 or more Direct Debits - 2 of those Direct Debits need to be at least £2 each month. Plus, earn an extra £1 a month back in Rewards with 1 mobile app log in. Plus you can earn at least 1% back in Rewards when you spend at their partner retailers. Customers need to pay at least £1,250 into any eligible personal current account every month (excludes transfers between your own accounts).

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NatWest Reward Silver Current Account - 0% AER

APPLY TODAY
Find out more & apply online now
  • Bank in branch or using the internet
  • UK Call Centres
  • Overdraft subject to acceptance, 19.89% EAR
  • £6 returned direct debit charge
  • £6 unapproved borrowing charge
  • Recommended by 80% of customers surveyed

A current account packed full of benefits for only £10 per month. You'll be pleased to know however that you can earn half of this amount back by just using your account. Earn £4 back in Rewards when you pay 2 or more Direct Debits from your Reward account (2 of those Direct Debits need to be at least £2 each). You will also earn a further £1 back in Rewards every calendar month you log into our mobile banking app and earn at least 1% back in Rewards when you spend at our partner retailers. Other perks include European travel insurance, mobile phone insurance, Tastecard membership, Discounts on cinema tickets, fee-free debit card purchases abroad and preferential rates on travel money.

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NatWest Reward Platinum Current Account - 0% AER

APPLY TODAY
Find out more & apply online now
  • Bank in branch or using the internet
  • UK Call Centres
  • Overdraft subject to acceptance, 19.89% EAR
  • £6 returned direct debit charge
  • £6 unapproved borrowing charge
  • Recommended by 80% of customers surveyed

NatWest's Reward Platinum account is their most expensive charged at £20 per month but is loaded with benefits. With this account you can get mobile phone insurance, worldwide travel insurance and much more. You can also earn up to £5 a month by just using your account. Earn £4 back in Rewards when you pay 2 or more Direct Debits from your Reward account (2 of those Direct Debits need to be at least £2 each) and a further £1 back in Rewards every calendar month you log into your mobile banking app. As like all NatWest Reward accounts you will earn at least 1% back in Rewards when you spend at their partner retailers.

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Royal bank of scotland reward silver - 0% AER

APPLY TODAY
Find out more & apply online now
  • Bank in branch or using the internet
  • UK Call Centres
  • Overdraft subject to acceptance, 19.89% EAR
  • £6 returned direct debit charge
  • £6 unapproved borrowing charge
  • Recommended by 46% of customers surveyed

A current account packed full of benefits for only £10 per month. You'll be pleased to know however that you can earn half of this amount back by just using your account. Earn £4 back in Rewards when you pay 2 or more Direct Debits from your Reward account (2 of those Direct Debits need to be at least £2 each). You will also earn a further £1 back in Rewards every calendar month you log into our mobile banking app and earn at least 1% back in Rewards when you spend at our partner retailers. Other perks include European travel insurance, mobile phone insurance, Tastecard membership, Discounts on cinema tickets, fee-free debit card purchases abroad and preferential rates on travel money.

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Royal Bank of Scotland Reward Platinum - 0% AER

APPLY TODAY
Find out more & apply online now
  • Bank in branch or using the internet
  • UK Call Centres
  • Overdraft subject to acceptance, 19.89% EAR
  • £6 returned direct debit charge
  • £6 unapproved borrowing charge
  • Recommended by 46% of customers surveyed

The Royal Bank of Scotland's Reward Platinum account is their most expensive charged at £20 per month but is loaded with benefits. With this account you can get mobile phone insurance, worldwide travel insurance and much more. You can also earn up to £5 a month by just using your account. Earn £4 back in Rewards when you pay 2 or more Direct Debits from your Reward account (2 of those Direct Debits need to be at least £2 each) and a further £1 back in Rewards every calendar month you log into your mobile banking app. As like all Royal Bank of Scotland Reward accounts you will earn at least 1% back in Rewards when you spend at their partner retailers.

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Royal Bank of Scotland Reward - 0% AER

APPLY TODAY
Find out more & apply online now
  • Bank in branch or using the internet
  • UK Call Centres
  • Overdraft subject to acceptance, 19.89% EAR
  • £6 returned direct debit charge
  • £6 unapproved borrowing charge
  • Recommended by 46% of customers surveyed

Although the account comes with a £2 monthly account fee, you can easily earn this back and more by just using your account. You'll earn £4 a month back in Rewards for 2 or more Direct Debits - 2 of those Direct Debits need to be at least £2 each month. Plus, earn an extra £1 a month back in Rewards with 1 mobile app log in. Plus you can earn at least 1% back in Rewards when you spend at their partner retailers. Customers need to pay at least £1,250 into any eligible personal current account every month (excludes transfers between your own accounts).

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