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Current Accounts

Compare Current Accounts

Comparison and guide covering basic, packaged and interest paying accounts.

About this table and the listed packages:

Current accounts are notoriously difficult to compare but we've done our best to help with this comparison table: listed here are standard as well as interest paying current accounts and any promotions the providers are currently running for those willing to switch.

If you need more help with comparing between providers take a look at our current account customer service guide to find the providers most likely to keep you smiling even when things go wrong or our online banking guide for the services that will make managing money easier, and safer, no matter where you are.

	Credit Interest AER	Overdraft Detail	Monthly Fee	Applicant Criteria
123 Current Account	1% AER (variable) on balances from £1000 2% AER (variable) on balances from £2000 3% AER (variable) on balances from £3000 (up to £20,000)	£1 per day (capped at 20 days) Fee-free arranged overdrafts for 4 months if you switch	£2.00	18 yrs+ Deposit £500/mth
Additional Information: Cashback on household bills: 1% Cashback on water and council tax bills 2% Cashback on gas and electricity bills 3% Cashback on mobile, home phone, broadband and paid for TV packages
Representative Example: 0% EAR (variable) Arranged Overdraft. No Daily Arranged Overdraft Fee for the first four months. Then £1 each day capped at 20 days in each monthly statement period. Assumed Arranged Overdraft credit limit £1,200. Actual amount may differ. If you don't switch using the dedicated switcher service, the Daily Arranged Overdraft Fee will apply from account opening. Santander UK plc. Registered Office: 2 Triton Square, Regent's Place, London NW1 3AN, United Kingdom.
Advantage Gold	None	19.49% AER Fee-free arranged overdrafts up to £100	£12.95	18 yrs+
Additional Information: Mobile phone insurance Green flag car breakdown cover Annual worldwide family travel insurance Identity theft protection
Representative Example: Overdraft limit: £1,200. Arrangement Fee: £0. Interest Rates 19.49% p.a. (variable). Account Monthly fee: £12.95 National Westminster Bank PLC. Registered Office: 135 Bishopsgate, London, EC2M 3UR.
Everyday Account	None	£1 a day (capped at 20 days) Fee-free arranged overdrafts for the first 4 months if you switch.	None	18 yrs+
Additional Information: Visa debit card Overdraft matching service Fee-free arranged overdrafts for 4 months if you switch
Representative Example: 0% EAR (variable) Arranged Overdraft. No Daily Arranged Overdraft Fee for the first 4 months. Then £1 a day capped at 20 days each monthly statement period applies thereafter. Assumed Arranged Overdraft credit limit: £1,200. Actual amount may differ. If you don't switch the Daily Arranged Overdraft Fee will apply from account opening. Santander UK plc. Registered Office: 2 Triton Square, Regent's Place, London NW1 3AN, United Kingdom.
Royalties Gold	None	19.24% EAR Fee-free arranged overdrafts up to £250	£12.95	18 yrs+
Additional Information: Mobile phone insurance Green Flag car breakdown cover Annual worldwide travel insurance - including winter sports Extended warranties on electrical appliances
Representative Example: Overdraft limit: £1,200. Arrangement Fee: £0. Interest Rates 19.24% p.a. (variable). Account Monthly fee: £12.95 The Royal Bank of Scotland plc, Registered in Scotland No 90312. Registered Office: 36 St Andrew Square, Edinburgh EH2 2YB.
Select Account	None	19.89% EAR Fee-free arranged overdrafts up to £100	None	18 yrs+
Additional Information: Visa debit card
Representative Example: Overdraft limit: £1,200. Arrangement Fee: £0. Interest Rates 19.89% p.a. (variable). The Royal Bank of Scotland plc, Registered in Scotland No 90312. Registered Office: 36 St Andrew Square, Edinburgh EH2 2YB.

Please read the following notice:

We aim to provide free reviews and comparisons of consumer products. To keep the site free, we are paid by some providers when new customers take products after they've clicked on our links. We don't allow our editorial content to be affected by those links, however we may not include all of the products available in the market.

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