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Compare our best current accounts

See if you could switch to a better current account by comparing features, fees and interest rates from our panel of current account deals available right now.

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13 results found, sorted by most popular. How we order our comparisons.
Get £175 when you switch to a first direct 1st Account current account. T&Cs apply.

first direct 1st current account

Account fee & requirements
No monthly fee
Arranged overdraft
£250 interest free, then 39.9% EAR variable
Interest rate
0% AER
Joint account available
Yes
Complete a full switch using the Current Account Switch Service, including at least 2 Direct Debits or standing orders. Then deposit £1,000, make 5+ debit card payments, and log on to digital banking, all within 45 days of your account opening.
New customers only, who haven’t previously held a first direct product, or opened an HSBC current account on or after January 2018. T&Cs apply.
Representative example: £250 interest and fee free overdraft, subject to status. If you then use an arranged overdraft of £1,200 you will be charged 39.9% EAR variable. Representative APR: 30.5%. How does this overdraft compare? Representative APRs help you compare the cost of different credit products.
More Information
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£10%0%0%0%
Eligibility
Maximum AgeUnlimited
Maximum InvestmentUnlimited
Minimum Age18 years
Permanent UK Resident
£175 offer when you switch to a NatWest Select account. T&Cs apply

NatWest Select Account

Account fee & requirements
No monthly fee
Arranged overdraft
39.49% EAR variable
Interest rate
0% AER
Joint account available
Yes
Representative example: If you use an arranged overdraft of £1,200 you will be charged 39.49% APR Representative/EAR variable. Subject to financial status. How does this overdraft compare? Representative APRs help you compare the cost of different credit products.
More Information
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£10%0%0%0%
Eligibility
Maximum AgeUnlimited
Maximum InvestmentUnlimited
Minimum Age18 years
Earn up to £180 when you switch to TSB. T&Cs apply.

TSB Spend & Save

Account fee & requirements
No monthly fee
Arranged overdraft
39.9% EAR variable
Interest rate
0% AER
Joint account available
Yes
Earn up to £180 by switching your bank account to TSB. £150 welcome bonus and up to £30 in extra cashback. T&Cs and eligibility criteria apply.
Representative example: If you use an arranged overdraft of £1,200 you will be charged 39.9% APR Representative/EAR variable. Subject to financial status. How does this overdraft compare? Representative APRs help you compare the cost of different credit products.
More Information
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£10%0%0%0%
Eligibility
Maximum AgeUnlimited
Maximum InvestmentUnlimited
Minimum Age18 years
£100 Amazon.co.uk gift card when you open a Santander current account. T&Cs apply

Santander Everyday Current Account

Account fee & requirements
No monthly fee
Arranged overdraft
39.94% EAR variable
Interest rate
0% AER
Joint account available
Yes
Representative example: If you use an arranged overdraft of £1,200 you will be charged 39.94% APR Representative/EAR variable. Subject to financial status. How does this overdraft compare? Representative APRs help you compare the cost of different credit products.
More Information
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£10%0%0%0%
Eligibility
Maximum AgeUnlimited
Maximum Investment£2,000,000
Minimum Age18 years

Chase Current Account

Account fee & requirements
No monthly fee
Arranged overdraft
-
Interest rate
0% AER
Joint account available
No
18+, UK residents. Eligibility applies. 1% cashback on debit card spending on groceries, everyday transport & fuel for your first year. Max £15 per month. Exceptions apply. May be changed or withdrawn.
Access to round-up account with 5% AER (4.89% gross) variable interest rate, paid monthly. Round-up balance transfers to elected Chase account on anniversary of account opening. T&Cs apply.
Representative example: N/A - no credit facility offered.
More Information
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£10%0%0%0%
Eligibility
Maximum AgeUnlimited
Maximum InvestmentUnlimited
Minimum Age18 years
Permanent UK Resident
Which? Recommended Provider 2025

Starling Current Account

Account fee & requirements
No monthly fee
Arranged overdraft
15% EAR variable
Interest rate
0% AER
Joint account available
Yes
Representative example: If you use an arranged overdraft of £1,200 you will be charged 15% APR Representative/EAR variable. Subject to financial status. How does this overdraft compare? Representative APRs help you compare the cost of different credit products.
More Information
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£10%0%0%0%
Eligibility
Maximum AgeUnlimited
Maximum InvestmentUnlimited
Minimum Age18 years
Get £200 when you switch in the app and join Barclays Blue Rewards*

Barclays Bank Account

Account fee & requirements
No monthly fee
Arranged overdraft
35% EAR variable
Interest rate
0% AER
Joint account available
Yes
*To be eligible you must open a sole Barclays Bank Account, join Blue Rewards (eligibility & £5/month fee apply) and initiate a full switch via the Barclays app by 27/11/2025. Other T&Cs and eligibility apply. New Customers, 18+ & UK residents only
Representative example: Assumed arranged overdraft of £1,200: 35.0% EAR (variable), 35.0% APR Representative (variable). Subject to application, financial circumstances and borrowing history. How does this overdraft compare? Representative APRs help you compare the cost of different credit products.
More Information
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£10%0%0%0%
Eligibility
Maximum AgeUnlimited
Maximum InvestmentUnlimited
Minimum Age18 years
Permanent UK Resident
£175 offer when you switch to a NatWest Reward account. T&Cs apply

NatWest Reward

Account fee & requirements
£2 per month, pay in £1,250+ per month
Arranged overdraft
39.49% EAR variable
Interest rate
0% AER
Joint account available
Yes
Representative example: If you use an arranged overdraft of £1,200 you will be charged 39.49% APR Representative/EAR variable. Subject to financial status. How does this overdraft compare? Representative APRs help you compare the cost of different credit products.
More Information
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£10%0%0%0%
Eligibility
Maximum AgeUnlimited
Maximum InvestmentUnlimited
Minimum Age18 years
Minimum Monthly Credit£1,250
£100 Amazon.co.uk gift card when you open a Santander current account. T&Cs apply

Santander Edge Up

Account fee & requirements
£5 per month, pay in £1,500+ per month
Arranged overdraft
39.94% EAR variable
Interest rate
2.5% AER (on up to £25,000)
Joint account available
Yes
Access to Santander Regular Saver. 5% AER / Gross (fixed) for 12 months. Save up to £200 per month.
Representative example: If you use an arranged overdraft of £1,200 you will be charged 39.94% APR Representative/EAR variable. Subject to financial status. How does this overdraft compare? Representative APRs help you compare the cost of different credit products.
More Information
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£12.47%2.47%2.5%2.5%
£25,0010%0%0%0%
Eligibility
Maximum AgeUnlimited
Maximum InvestmentUnlimited
Minimum Age18 years
Minimum Monthly Credit£1,500
Permanent UK Resident

Monzo Current Account

Account fee & requirements
No monthly fee
Arranged overdraft
39% EAR variable
Interest rate
0% AER
Joint account available
Yes
Instant Access Savings Pots 3% (variable). No minimum deposit & maximum deposit £500k. You must have a Monzo account to get an Instant Access Savings Pot. T&Cs apply. Interest Paid Monthly. Spend abroad with no fees.
We pass Mastercard’s exchange rate directly onto you with no extra charges.
Representative example: If you use an arranged overdraft of £1,200 you will be charged 39% APR Representative/EAR variable. Subject to financial status. How does this overdraft compare? Representative APRs help you compare the cost of different credit products.
More Information
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£10%0%0%0%
Eligibility
Maximum AgeUnlimited
Maximum InvestmentUnlimited
Minimum Age18 years
Permanent UK Resident
Earn up to £180 when you switch to TSB. T&Cs apply.

TSB Spend & Save Plus

Account fee & requirements
£3 per month
Arranged overdraft
£100 interest free, then 39.9% EAR variable
Interest rate
0% AER
Joint account available
Yes
Earn up to £180 by switching your bank account to TSB. £150 welcome bonus and up to £30 in extra cashback. T&Cs and eligibility criteria on application.
Representative example: Assumed arranged overdraft of £1,200. 0% EAR variable on the first £100. Annual interest rate 39.9% EAR variable, 40.1% APR representative (variable). How does this overdraft compare? Representative Annual Percentage Rates (APRs) help you compare the cost of using your overdraft.
More Information
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£10%0%0%0%
Eligibility
Maximum AgeUnlimited
Maximum InvestmentUnlimited
Minimum Age18 years
£100 Amazon.co.uk gift card when you open a Santander current account. T&Cs apply

Santander Edge

Account fee & requirements
£3 per month, pay in £500+ per month
Arranged overdraft
39.94% EAR variable
Interest rate
0% AER
Joint account available
Yes
Access to Santander Edge Saver with 6.00% AER / 5.84% gross (variable) interest on balances up to £4,000 (includes 2.50% AER / 2.47% gross (variable) bonus rate for the first 12 months from opening).
Representative example: If you use an arranged overdraft of £1,200 you will be charged 39.94% APR Representative/EAR variable. Subject to financial status. How does this overdraft compare? Representative APRs help you compare the cost of different credit products.
More Information
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£10%0%0%0%
Eligibility
Maximum AgeUnlimited
Maximum InvestmentUnlimited
Minimum Age18 years
Minimum Monthly Credit£500
Permanent UK Resident
£100 Amazon.co.uk gift card when you open a Santander current account. T&Cs apply

Santander Edge Explorer

Account fee & requirements
£17 per month
Arranged overdraft
39.94% EAR variable
Interest rate
0% AER
Joint account available
Yes
Earn cashback plus get breakdown cover, mobile phone insurance and travel insurance. T&Cs (including exclusions) apply. 24/7 remote access to a GP in the UK. Access to Santander Edge Saver.
Once you're 75 years old, you are no longer eligible for the travel insurance benefits. If you have other insurance, you won't be able to make the same claim twice. You can only have 1 Santander Edge® Explorer current account.
Representative example: If you use an arranged overdraft of £1,200 you will be charged 39.94% APR Representative/EAR variable. Subject to financial status. How does this overdraft compare? Representative APRs help you compare the cost of different credit products.
More Information
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£10%0%0%0%
Eligibility
Maximum Age73 years
Maximum InvestmentUnlimited
Minimum Age18 years

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Our services are provided at no cost to you. We may receive a commission from the companies we refer you to, but this does not affect what you will pay for the product you choose.