Switching current accounts can be a daunting prospect, but the rewards of better interest rates and additional features easily outweighs the downsides.
If moving seems arduous, look out for free switching services that will handle the switch for you.
Compare current accounts by cost simply by using the form opposite - just enter your average monthly balance and / or average monthly overdraft.
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Credit Interest AER
|
|
Overdraft
 |
|
Minimum Criteria |
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Monthly Fee |
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Account Features |
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|
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Alliance & Leicester Premier 50 |
|
 |
6% AER
up to £2500
then 0.1% AER
|
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0% EAR
|
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50 years
|
|
£10
|
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- Worldwide annual multi-trip travel insurance up to age 79.
- Premier 50 Health Benefits.
- £50,000 Identity Protection Cover & Free Alerts.
- Emergency card & cash replacement.
|
|
|
Alliance & Leicester Premier Direct |
|
|
6% AER
up to £2500
then 0.1% AER
|
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0% EAR
|
|
21 years
& pay in £500 a month
|
|
None
|
|
- Free switching service.
- Prize draw to win 2010 Italian Formula 1 Grand Prix tickets.
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|
|
|
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6% AER
up to £2500
then 0.1% AER
|
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0% EAR
|
|
18 years
& pay in £1000 a month
|
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None
|
|
- Preferential rates for credit balances.
|
|
|
Alliance & Leicester Premier 21 |
|
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5% AER
up to £1000
then 0.1% AER
|
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0% EAR
|
|
16 years
|
|
None
|
|
- Free switching service.
- Visa debit card.
- Available to people aged 16 to 20.
|
|
|
Alliance & Leicester Premier |
|
|
0.5% AER
up to £2500
then 0.1% AER
|
|
0% EAR
|
|
21 years
& pay in £500 a month
|
|
None
|
|
- £100 cash back when you use the free switching service and deposit at least £500 from a non-Alliance & Leicester account within 11 weeks.
- Free annual multi-trip European travel insurance.
- Prize draw to win 2010 Italian Formula 1 Grand Prix tickets.
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|
|
|
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0.1% AER
|
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0% EAR
up to £100, then 19.24% EAR
|
|
18 years
|
|
None
|
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- Free everyday banking.
- Overdraft & chequebook available.
|
|
|
|
|
0.1% AER
|
|
0% EAR
|
|
18 years
& pay in £1000 a month
|
|
None
|
|
- Preferential rates on overdrafts.
|
|
|
|
|
0.1% AER
|
|
0% EAR
up to £100, then 19.24% EAR
|
|
18 years
|
|
None
|
|
- Free everyday banking
- Offset mortgage available
|
|
|
|
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None
|
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19.3% EAR
|
|
18 years
|
|
None
|
|
- Barclays debit card.
- Personal reserve for emergencies.
- Online and telephone banking.
|
|
|
Barclays Bank Additions Active |
|
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None
|
|
0% EAR
up to £300, then 14.9% EAR
|
|
18 years
|
|
£15
|
|
- Worldwide Multi-trip Travel Insurance for you and your family
- RAC Breakdown Cover
- Mobile phone insurance
- Cardholder protection insurance
|
|
|
Barclays Bank Current Account Plus |
|
|
None
|
|
0% EAR
up to £300, then 16.9% EAR
|
|
18 years
|
|
£5
|
|
- Mobile Phone Insurance
- Extended Warranties on domestic appliances
- Cardholder Protection Insurance
- Emergency personal reserve.
|
|
|
|
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None
|
|
0% EAR
up to £1000, then 12.9% EAR
|
|
18 years
|
|
£25
|
|
- Worldwide Multi-trip Travel Insurance
- RAC Breakdown Cover in the UK & Europe
- Worldwide Concierge Service
- Airport Lounge Access
|
|
|
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None
|
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17.9% EAR
|
|
18 years
|
|
£12.95
|
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- £6 for the first 6 months.
- Worldwide travel insurance
- Roadside Breakdown assistance
- £3000 life insurance cover
|
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None
|
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19.9% EAR
|
|
18 years
& pay in £500 a month
|
|
None
|
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- £50 cashback if you switch before 14th February 2010
- Identity Theft Assistance
- Preferential rate with HSBC Regular Saver account
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