Current Accounts

Compare accounts from major providers, including:

12 products

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TSB Spend & Save Account

Protected
Monthly Fee

Free

Interest Rate

0%

Arranged Overdraft Rate

39.9%

Minimum Monthly Credit

None

See Deal
Representative Example: If you use an arranged overdraft of £1,200, you'll be charged the equivalent annual rate of 39.9% EAR (variable). Representative APR 39.9% (variable).
Product Features

Earn up to £30 cashback if you’re a new customer. £5 per month for 6 months, with 20 debit card payments per calendar month
Get 2.72% AER variable interest on balances up to £25k across 5 Savings Pots. Includes fixed introductory bonus of 1.52% AER for the first 12 months. After 12 months variable interest without bonus will apply. Interest paid monthly
Access to a Monthly Saver paying 6.00% Gross/AER fixed for a year. Save £25 to £250 per month by standing order from your TSB current account. Interest is paid on maturity
Eligibility / Restrictions

Eligible for Cashback if you open a new Spend & Save account, including changing from an existing TSB current account, other than from a Classic. Direct debits and withdrawals not included
UK residents only, 18+
Assumed arranged overdraft of £1200: 39.9% APR representative variable. Subject to application, approval & repayable on demand
More info
TSB Spend & Save Plus Account

Protected
Monthly Fee

£3

Interest Rate

0%

Arranged Overdraft Rate

39.9%

Minimum Monthly Credit

None

See Deal
Representative Example: If you use an arranged overdraft of £1,200, you’ll be charged the equivalent annual rate of 39.9% EAR (variable). Representative APR 40.1% (variable).
Product Features

Earn up to £60 annually, on-going £5 cashback every month, with 20 debit card payments per calendar month
Zero TSB card charges abroad. ATM operators/foreign banks may charge & sellers may apply a currency conversion fee on purchases
Get 2.72% AER variable interest on balances up to £25k across 5 Savings Pots. Includes fixed introductory bonus of 1.52% AER for the first 12 months. After 12 months variable interest without bonus will apply. Interest paid monthly
Eligibility / Restrictions

Eligible for Cashback, if you open a new Spend & Save Plus account, including changing from an existing TSB account (Direct Debits and withdrawals not included)
Up to £100 interest-free arranged overdraft available subject to status
UK residents, 18+ only
More info
Santander Edge current account

Protected
Monthly Fee

£3

Interest Rate

0%

Arranged Overdraft Rate

39.94%

Minimum Monthly Credit

£500

See Deal
Representative Example: If you use an arranged overdraft of £1,200, you'll be charged the equivalent annual rate of 39.94% EAR (variable). Representative APR 39.94% (variable).
Product Features

Earn 1% cashback (up to £10 a month) on selected household bills when you pay by Direct Debit
Earn 1% cashback (up to £10 a month) at supermarkets and on travel costs when you use your debit card (exclusions apply)
Access to Santander Edge Saver with 6.00% AER / 5.84% gross (variable) interest on balances up to £4,000 (includes 2.00% AER / 1.98% gross (variable) bonus rate for the first 12 months from opening)
Make international payments with no extra fees (the bank receiving the payment may still apply charges). Plus no charges for making CHAPS payments from this account
No Santander fees for using your Santander Edge debit card to withdraw cash and make payments outside the UK in the local currency
Get cashback, vouchers, prize draws and other offers personalised for you with Santander Boosts
Eligibility / Restrictions

You must be over 18 and live in the UK permanently to open the account
There is a £3 monthly fee for maintaining the account that will automatically be taken from your account each month
To earn cashback and interest, you must pay in £500 each month and have 2 active Direct Debits
You may only hold a maximum of two Santander Edge current accounts, one in your own name and one in joint names
You accept that this is a paper-free account, so documents, statements and some letters will be sent to your secure inbox in Online Banking
To be eligible for Santander Boosts, you must have a personal Santander debit or credit card, be 18 years or over and be registered for Online and Mobile Banking
More info
Santander Edge Up current account

Protected
Monthly Fee

£5

Interest Rate

3.00%

Arranged Overdraft Rate

39.94%

Minimum Monthly Credit

£1,500

See Deal
Representative Example: If you use an arranged overdraft of £1,200 you'll be charged the equivalent annual rate of 39.94% EAR (variable). Representative APR 39.94% (variable).
Product Features

Earn 1% cashback (up to £15 a month) on selected household bills when you pay by Direct Debit
Earn 1% cashback (up to £15 a month) at supermarkets and on travel costs when you use your debit card (exclusions apply)
Monthly interest of 3.00% AER / 2.96% gross (variable) on balances up to £25,000
You can make international payments with no extra fees (the bank receiving the payment may still apply charges). There's also no charge for making CHAPS payments from this account
No Santander fees for using your Santander Edge Up debit card to withdraw cash and make payments outside the UK in the local currency
Get cashback, vouchers, prize draws and other offers personalised for you with Santander Boosts
Online and Mobile Banking available with text and email alerts
Eligibility / Restrictions

You must be over 18 and live in the UK permanently to open the account
There is a £5 monthly fee for maintaining the account that will automatically be taken from your account each month
To earn cashback and interest, you must pay in £1,500 each month and have 2 active Direct Debits
You can’t have more than two Santander Edge Up current accounts or Private current accounts, one in your own name and one in joint names
To be eligible for Santander Boosts, you must have a personal Santander debit or credit card, be 18 years or over and be registered for Online and Mobile Banking
More info
Offer

3.35% AER (variable) included in Instant Access Savings Pots*
Monzo Current Account

Protected
Monthly Fee

Free

Interest Rate

0%

Arranged Overdraft Rate

39.0%

Minimum Monthly Credit

None

See Deal
*No minimum deposit for Instant Access Savings, maximum deposit £500k. Interest paid monthly. You must have a Monzo current account to get an Instant Access Savings Pot. T&Cs apply

Representative Example: If you use an arranged overdraft of £1,200 for 30 days, with 39.0% EAR/APR (variable), it would cost you £32.94. 39.0% APR representative (variable)
Product Features

Instant Access Savings Pots at 3.35% AER (variable). Access your savings instantly, any time you need. Interest paid monthly. No minimum deposit & maximum deposit £500,000
Pay abroad with no fees. Monzo pass Mastercard's exchange directly on to you, without fees or extra charges
Eligibility / Restrictions

UK Residents only
Must be aged 16+
No minimum deposit for Instant Access Savings, maximum deposit £500k. Interest paid monthly. You must have a Monzo account to get an Instant Access Savings Pot
Credit/overdraft borrowing, eligibility and T&Cs apply
More info
Offer

Get your £20 welcome bonus*
Revolut Current Account - Standard Plan
Monthly Fee

Free

Interest Rate

up to 4% AER (variable)**

Arranged Overdraft Rate

No overdraft

Minimum Monthly Credit

None

See Deal
*Spend at least £20 within 1 month of opening your account to receive your £20 welcome reward. 18+, new customers in eligible countries only. Promotion T&Cs apply

Representative Example: No credit facilities on this account
Product Features

To access the featured interest rate, please open an Instant Access Savings account from within the app - available to all Revolut current account customers. Begin saving immediately, with interest rates paid daily. T&Cs apply
App-based UK current account and Euro IBAN account
Send and receive money in 30+ currencies
From restaurant tabs to rent, split bills with anyone, even if they’re not on Revolut
Eligibility / Restrictions

Must be 18 years or older
No cheque facilities on this account
Revolut isn't a bank, so offers savings accounts via its regulated partner banks. As such eligible deposits are protected by the FSCS up to £85,000 per bank
More info
Offer

Get your £20 welcome bonus*
Revolut Plus Current Account
Monthly Fee

£3.99

Interest Rate

up to 4% AER (variable)**

Arranged Overdraft Rate

No overdraft

Minimum Monthly Credit

None

See Deal
*Spend at least £20 within 1 month of opening your account to receive your £20 welcome reward. 18+, new customers in eligible countries only. Promotion T&Cs apply

Representative Example: No credit facilities on this account
Product Features

To access the featured interest rate, please open an Instant Access Savings account from within the app - available to all Revolut current account customers. Begin saving immediately, with interest rates paid daily. T&Cs apply
1 RevPoint per £10 spent, up to 4% AER on savings and everyday insurance included. RevPoints T&Cs apply
Free card personalisation
Link up to two under 18 accounts, for ages 6-17, and a co-parent
Eligibility / Restrictions

Must be 18 years or older
No cheque facilities on this account
Revolut isn't a bank, so offers savings accounts via its regulated partner banks. As such eligible deposits are protected by the FSCS up to £85,000 per bank
More info
Offer

Get your £20 welcome bonus*
Revolut Premium Current Account
Monthly Fee

£7.99

Interest Rate

up to 4.25% AER (variable)**

Arranged Overdraft Rate

No overdraft

Minimum Monthly Credit

None

See Deal
*Spend at least £20 within 1 month of opening your account to receive your £20 welcome reward. 18+, new customers in eligible countries only. Promotion T&Cs apply

Representative Example: No credit facilities on this account
Product Features

To access the featured interest rate, please open an Instant Access Savings account from within the app - available to all Revolut current account customers. Begin saving immediately, with interest rates paid daily. T&Cs apply
1 RevPoint per £4 spent, up to 4.25% AER on savings and discounted international transfer fees. RevPoints T&Cs apply
Partner subscriptions with FT, NordVPN etc
No additional fees on currency exchange Monday to Friday (weekend mark-ups apply)
Eligibility / Restrictions

Must be 18 years or older
No cheque facilities on this account
Revolut isn't a bank, so offers savings accounts via its regulated partner banks. As such eligible deposits are protected by the FSCS up to £85,000 per bank
More info
Offer

Get your £20 welcome bonus*
Revolut Metal Current Account
Monthly Fee

£14.99

Interest Rate

up to 4.5% AER (variable)**

Arranged Overdraft Rate

No overdraft

Minimum Monthly Credit

None

See Deal
*Spend at least £20 within 1 month of opening your account to receive your £20 welcome reward. 18+, new customers in eligible countries only. Promotion T&Cs apply

Representative Example: No credit facilities on this account
Product Features

To access the featured interest rate, please open an Instant Access Savings account from within the app - available to all Revolut current account customers. Begin saving immediately, with interest rates paid daily. T&Cs apply
1 RevPoint per £2 spent (RevPoints T&Cs apply), up to 4.5% AER on savings and insurance for emergency medical care abroad, winter sports, delayed flights and more (insurance policy T&Cs inc. exclusions apply)
Free personalised metal card, partner subscriptions and discounted airport lounge access
Link up to five under 18 accounts, for ages 6-17, and a co-parent.
Eligibility / Restrictions

Must be 18 years or older
No cheque facilities on this account
Revolut isn't a bank, so offers savings accounts via its regulated partner banks. As such eligible deposits are protected by the FSCS up to £85,000 per bank
More info
Offer

Get your £20 welcome bonus*
Revolut Ultra Current Account
Monthly Fee

£45**

Interest Rate

5% AER (variable)***

Arranged Overdraft Rate

No overdraft

Minimum Monthly Credit

None

See Deal
*Spend at least £20 within 1 month of opening your account to receive your £20 welcome reward. 18+, new customers in eligible countries only. Promotion T&Cs apply

Representative Example: No credit facilities on this account
Product Features

To access the featured interest rate, please open an Instant Access Savings account from within the app - available to all Revolut current account customers. Begin saving immediately, with interest rates paid daily. T&Cs apply
1 RevPoint per £1 spent, up to 5% AER on savings. RevPoints T&Cs apply
3GB monthly global data in 100+ countries and unlimited airport lounge access (1,000+ airport lounges worldwide)
Access a curated selection of subscriptions, worth £4,255 annually. Trip & event cancellation insurance (insurance policy T&Cs inc. exclusion apply), and a platinum-plated card
Eligibility / Restrictions

Must be 18 years or older
No cheque facilities on this account
Revolut isn't a bank, so offers savings accounts via its regulated partner banks. As such eligible deposits are protected by the FSCS up to £85,000 per bank
More info
Barclays Bank Account

Protected
Monthly Fee

Free

Interest Rate

0%

Arranged Overdraft Rate

35.0%

Minimum Monthly Credit

None

See Deal
Representative Example: If you use an arranged overdraft of £1,200, you'll be charged the equivalent annual rate of 35.0% EAR (variable). Representative APR 35.0% (variable). Subject to application, financial circumstance and borrowing history.
Product Features

Optional arranged overdrafts. Subject to application, financial circumstances and borrowing history
Manage your money with the Barclays app, Online Banking and more. You must be 18 or over to access this product in the app. T&Cs apply
Join Barclays Blue Rewards* for £5 a month and get access to an Apple TV+ subscription, enhanced savings rates and cashback on your everyday spend. *Eligibility, conditions and a £5 monthly fee apply
Eligibility / Restrictions

Must be aged 18 or over
Must be a UK resident
More info
Offer

Switch to a 1st Account and get £175. Requires credit check. New customers only and T&Cs apply*
first direct 1st Account

Protected
Monthly Fee

Free

Interest Rate

0%

Arranged Overdraft Rate

0%

Minimum Monthly Credit

None

See Deal
*To qualify, open an account between 9th September and the offer's withdrawal. Switch your banking via CASS, deposit £1,000, complete a full CASS switch with two Direct Debits or Standing Orders, register for digital banking, and use your debit card five times—all within 45 days. This offer is for new customers who haven’t held a first direct or HSBC current account since 1st January 2018.

Representative Example: If you use an arranged overdraft of £1,200, you'll be charged the equivalent annual rate of 39.9% EAR (variable). Representative APR 30.5% (variable). 0% EAR variable on the first £250. For customers with an offset mortgage linked to a 1st Account, the interest-free limit will not apply.
Product Features

£250 interest-free overdraft (subject to status)
24/7, 365 banking - Online, Phone and on Mobile
No first direct debit card fees when spending abroad (T&C’s apply. See first direct website before applying)
Eligibility / Restrictions

Customers must pass a credit check
Must be a UK resident aged 18+ with a phone number and email address
No bankruptcy or IVAs in the last 6 years
Pay in cash and cheques at HSBC branches and the Post Office
More info

Please note: Our comparison service features a selection of providers from whom we receive commission. This table is initially ordered according to our commercial arrangements. You can use the options above the table to order it according to various criteria.

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Last updated on 02 July 2024.

What is a current account?

A current account is a bank account for day-to-day transactions, allowing people to both receive and pay money. It may also be known as a personal bank account or a standard account.

The way it works is simple – just choose your provider and open your account. You’ll receive a debit card you can use to withdraw your cash. Any incoming payments – salary, wage, or benefits – will likely be paid into your current account, and you can also set up regular outgoing payments such as standing orders or direct debits.

Read more information from our Nerds who have provided useful information to help you learn about your options and pick a personal current account.

Current Accounts

TSB Spend & Save Account

TSB Spend & Save Plus Account

Santander Edge current account

Santander Edge Up current account

Monzo Current Account

Revolut Current Account - Standard Plan

Revolut Plus Current Account

Revolut Premium Current Account

Revolut Metal Current Account

Revolut Ultra Current Account

Barclays Bank Account

first direct 1st Account

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What is a current account?

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