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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18 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.
More Information
Rate Tiers
| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £1 | 0% | 0% | 0% | 0% |
Eligibility
| Maximum Age | Unlimited |
| Maximum Investment | Unlimited |
| Minimum Age | 18 years |
| Permanent UK Resident |
£200 cash when you switch. T&Cs and eligibility 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
Earn £200 cash when you switch. Offers may be withdrawn at any time. T&Cs and eligibility apply.
More Information
Rate Tiers
| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £1 | 0% | 0% | 0% | 0% |
Eligibility
| Maximum Age | Unlimited |
| Maximum Investment | £2,000,000 |
| Minimum Age | 18 years |
Barclays Bank Account
Account fee & requirements
No monthly fee
Arranged overdraft
35% EAR variable
Interest rate
0% AER
Joint account available
Yes
Join Barclays Blue Rewards* and get access to an Apple TV+ subscription, our highest instant-access savings rates and cashback on your everyday spend. *T&Cs and eligibility apply. 18+ and UK only. Join Blue Rewards (£5 monthly fee applies) in the Barclays app.
More Information
Rate Tiers
| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £1 | 0% | 0% | 0% | 0% |
Eligibility
| Maximum Age | Unlimited |
| Maximum Investment | Unlimited |
| Minimum Age | 18 years |
| Permanent UK Resident |
NatWest Select Account
Account fee & requirements
No monthly fee
Arranged overdraft
39.49% EAR variable
Interest rate
0% AER
Joint account available
Yes
More Information
Rate Tiers
| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £1 | 0% | 0% | 0% | 0% |
Eligibility
| Maximum Age | Unlimited |
| Maximum Investment | Unlimited |
| Minimum Age | 18 years |
£200 cash when you switch. T&Cs and eligibility apply.
Santander Edge® Up current account
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
Earn £200 cash when you switch. Offers may be withdrawn at any time. T&Cs and eligibility apply.
More Information
Rate Tiers
| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £1 | 2.47% | 2.47% | 2.5% | 2.5% |
| £25,001 | 0% | 0% | 0% | 0% |
Eligibility
| Maximum Age | Unlimited |
| Maximum Investment | Unlimited |
| Minimum Age | 18 years |
| Minimum Monthly Credit | £1,500 |
| 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
More Information
Rate Tiers
| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £1 | 0% | 0% | 0% | 0% |
Eligibility
| Maximum Age | Unlimited |
| Maximum Investment | Unlimited |
| Minimum Age | 18 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.
More Information
Rate Tiers
| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £1 | 0% | 0% | 0% | 0% |
Eligibility
| Maximum Age | Unlimited |
| Maximum Investment | Unlimited |
| Minimum Age | 18 years |
| Permanent UK Resident |
£200 cash when you switch. T&Cs and eligibility apply.
Santander Edge® current account
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
Earn £200 cash when you switch. Offers may be withdrawn at any time. T&Cs and eligibility apply.
More Information
Rate Tiers
| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £1 | 0% | 0% | 0% | 0% |
Eligibility
| Maximum Age | Unlimited |
| Maximum Investment | Unlimited |
| Minimum Age | 18 years |
| Minimum Monthly Credit | £500 |
| Permanent UK Resident |
£200 cash when you switch. T&Cs and eligibility apply.
Santander Edge® Explorer current account
Account fee & requirements
£17 per month
Arranged overdraft
39.94% EAR variable
Interest rate
0% AER
Joint account available
Yes
Earn £200 cash when you switch. Offers may be withdrawn at any time. T&Cs and eligibility apply.
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.
More Information
Rate Tiers
| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £1 | 0% | 0% | 0% | 0% |
Eligibility
| Maximum Age | 73 years |
| Maximum Investment | Unlimited |
| Minimum Age | 18 years |
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
More Information
Rate Tiers
| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £1 | 0% | 0% | 0% | 0% |
Eligibility
| Maximum Age | Unlimited |
| Maximum Investment | Unlimited |
| Minimum Age | 18 years |
| Minimum Monthly Credit | £1,250 |
Up to £30 cashback, 1.70% AER Saving Pots & 5.0% AER Monthly Saver
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 £30 cashback - £5 per month for 6 months, making 20 debit card payments per calendar month (excludes cash withdrawals). Eligible if you open a new Spend & Save account, including changing from an existing TSB, other than from a Classic
Savings Pots available to TSB Spend and Save account holders. Earn 1.70% AER variable interest. Get access to a Monthly Saver paying 5.00% Gross/AER fixed for 12 months.
More Information
Rate Tiers
| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £1 | 0% | 0% | 0% | 0% |
Eligibility
| Maximum Age | Unlimited |
| Maximum Investment | Unlimited |
| Minimum Age | 18 years |
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.
More Information
Rate Tiers
| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £1 | 0% | 0% | 0% | 0% |
Eligibility
| Maximum Age | Unlimited |
| Maximum Investment | Unlimited |
| Minimum Age | 18 years |
| Permanent UK Resident |
3% AER with Instant Access Savings. Get £20 when you sign up to Revolut! T&Cs apply
Revolut Standard
Account fee & requirements
No monthly fee
Arranged overdraft
-
Interest rate
0% AER
Joint account available
Yes
Access to savings account with 3% AER (variable), paid daily; exchange 35+ currencies with no extra fees up to £1000/mo; easy bill splitting; instant and free money transfers; get salary paid a work day early. Trusted by 65M+ people worldwide.
Interest earned is liable to the applicable taxes. Instant Access Savings T&Cs apply. Currency exchange in 35+ currencies with Revolut exchange rate. Fees and T&Cs apply. Early salary for UK customers receiving BACS payments only.
More Information
Rate Tiers
| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £1 | 0% | 0% | 0% | 0% |
Eligibility
| Maximum Age | Unlimited |
| Maximum Investment | Unlimited |
| Minimum Age | 16 years |
| Permanent UK Resident |
Up to £60 cashback, 1.80% AER Saving Pots & 5.0% AER Monthly Saver
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 £5 per month making 20 debit card payments per calendar month (excludes cash withdrawals). Eligible if you open a new Spend & Save account, including changing from an existing TSB, other than from a Classic
Savings Pots available to TSB Spend and Save Plus account holders. Earn 1.80% AER variable interest.
More Information
Rate Tiers
| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £1 | 0% | 0% | 0% | 0% |
Eligibility
| Maximum Age | Unlimited |
| Maximum Investment | Unlimited |
| Minimum Age | 18 years |
3.51% AER with Instant Access Savings. Get £20 when you sign up to Revolut! T&Cs apply
Revolut Metal
Account fee & requirements
£14.99 per month
Arranged overdraft
-
Interest rate
0% AER
Joint account available
Yes
Access to savings account with 3.51% AER (variable), paid daily; £2000+ worth of app subscriptions; access to 1,000+ airport lounges; iconic Metal card; get salary paid a work day early; exchange of 35+ currencies with no extra fees.. Trusted by 65M+ people worldwide.
Interest earned is liable to the applicable taxes. Instant Access Savings T&Cs apply. Currency exchange in 35+ currencies with Revolut exchange rate. Fees and T&Cs apply. Early salary for UK customers receiving BACS payments only.
More Information
Rate Tiers
| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £1 | 0% | 0% | 0% | 0% |
Eligibility
| Maximum Age | Unlimited |
| Maximum Investment | Unlimited |
| Minimum Age | 18 years |
| Permanent UK Resident |
4% AER with Instant Access Savings. Get £20 when you sign up to Revolut! T&Cs apply
Revolut Ultra
Account fee & requirements
£55 per month
Arranged overdraft
-
Interest rate
0% AER
Joint account available
Yes
Access to savings account with 4.00% AER (variable) on balances up to £200,000; 3.51% AER (variable) for balances above £200,000; includes everything available on the other plans plus unlimited access to 1,000+ airport lounges, 3GB global data/mo; £4000+ worth of app subscriptions, exclusive Platinum card.
Interest earned is liable to the applicable taxes. Instant Access Savings T&Cs apply. Currency exchange in 35+ currencies with Revolut exchange rate. Fees and T&Cs apply. Early salary for UK customers receiving BACS payments only.
More Information
Rate Tiers
| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £1 | 0% | 0% | 0% | 0% |
Eligibility
| Maximum Age | Unlimited |
| Maximum Investment | Unlimited |
| Minimum Age | 18 years |
| Permanent UK Resident |
3.25% AER with Instant Access Savings. Get £20 when you sign up to Revolut! T&Cs apply
Revolut Premium
Account fee & requirements
£7.99 per month
Arranged overdraft
-
Interest rate
0% AER
Joint account available
Yes
Access to savings account with up to 3.25% AER (variable), paid daily; premium app subscriptions; exchange 35+ currencies with no extra fees; get your salary paid a work day early; discounted airport lounge access. Trusted by 65M+ people worldwide.
Interest earned is liable to the applicable taxes. Instant Access Savings T&Cs apply. Currency exchange in 35+ currencies with Revolut exchange rate. Fees and T&Cs apply. Early salary for UK customers receiving BACS payments only.
More Information
Rate Tiers
| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £1 | 0% | 0% | 0% | 0% |
Eligibility
| Maximum Age | Unlimited |
| Maximum Investment | Unlimited |
| Minimum Age | 18 years |
| Permanent UK Resident |
3% AER with Instant Access Savings. Get £20 when you sign up to Revolut! T&Cs apply
Revolut Plus
Account fee & requirements
£3.99 per month
Arranged overdraft
-
Interest rate
0% AER
Joint account available
Yes
Access to savings account with up to 3% AER (variable), paid daily; priority support; exchange 35+ currencies with no extra fees up to £3000/mo; get your salary paid a work day early; easy bill splitting. Trusted by 65M+ people worldwide.
Interest earned is liable to the applicable taxes. Instant Access Savings T&Cs apply. Currency exchange in 35+ currencies with Revolut exchange rate. Fees and T&Cs apply. Early salary for UK customers receiving BACS payments only.
More Information
Rate Tiers
| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £1 | 0% | 0% | 0% | 0% |
Eligibility
| Maximum Age | Unlimited |
| Maximum Investment | Unlimited |
| Minimum Age | 18 years |
| Permanent UK Resident |
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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.