Current Accounts

Compare over 300 Banking Accounts

Current Accounts: These accounts combine accounts with an overdraft facility and accounts with no overdraft facility. Basic Bank Accounts: Basic Bank Accounts are no-frills current accounts aimed at those people with no credit history or those that have previously been unbanked. Student & Young Person Accounts: These accounts are designed to assist young people and students to become prudent with their personal finances. Most of the Student Accounts have interest free overdraft facilities, free banking and a ‘student advisor’ service to help students with their money management problems. They may also offer a credit card facility. Both types of accounts offer incentives to encourage consumers to open an account, which include: cash payments, mobile phones or gift vouchers; discounts on CD’s, DVD’s, computer games, concert tickets, books and entrance to night clubs. Some accounts will pay interest on credit balances. Graduate Accounts: These accounts aim to assist graduates with their money and debt management for time periods of up to 3 years after graduation. Foreign Currency Accounts: Foreign Currency Accounts can be managed like standard current accounts, but consumers can generally choose to run them using Sterling, Euros or US Dollars. Typical Balance: The typical balance of your account after any direct debits/ standing orders or other regular payments have been made. Compare Current Accounts: Compare your Current Account overdraft with other overdraft rates and see how much you could save by switching. Packaged Account: These accounts offer a wide range of additional benefits. I wish to compare bank accounts:
	Bank Accounts
	Current Accounts
	Packaged Accounts
	Basic Bank Accounts
	Student & Young Person Accounts
	Graduate Accounts
	Foreign Currency Accounts
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	Compare Current Account Overdrafts
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Best Sellers are products you can apply for through moneysupermarket.com. To compare all current accounts please use the search tool above.

Switching Incentive

Lender	Product	Incentive	Interest (AER)	Min Balance
FIRST DIRECT	1st Account	Switch to first direct and get £100*	0%	£1

Reward Paying Accounts

Lender	Account	Incentives
HALIFAX	Reward Current Account	Pay in £1,000 each month and receive £5 reward each month
BANK OF SCOTLAND	Reward Current Account	Pay in £1,000 each month and receive £5 reward each month

Best Rate

Lender	Product	Interest (AER)	Min Balance	O/D Rate	O/D Buffer
ALLIANCE & LEICESTER PLC	Premier Direct Current Account	5%	£1	0.00%	n/a
SANTANDER	The Santander Account (Preferred In-credit Rate)	5%	£1	19.90%	n/a
NATWEST BANK PLC	Current Plus	0.1%	£1	19.24%	£100
THE ROYAL BANK OF SCOTLAND PLC	Interest Paying Current Account	0.1%	£1	19.24%	£100

Best Overdraft

Lender	Product	Overdraft Notes	Interest (AER)
SANTANDER	The Santander Account (Preferred Overdraft Rate)	0% for 1st 12 mths, then 12.9% EAR	0.1%
FIRST DIRECT	1st Account	£250 Interest Free, then 15.9% EAR over £250	0%

Best Packaged Accounts

Lender	Product	Interest (AER)	Min Balance	Service Charge
HALIFAX	Ultimate Reward Current Account	0%	£0.01	£12.50 per month.
NATWEST BANK PLC	Advantage Gold	0.25%	£1	£12.95 per month.

Basic Banking

Lender	Product	Interest (AER)	Min Balance	Service Charge
THINK BANKING LTD 0800 074 4333	Think Banking Managed Account	0%	£1	£12.50 per month.

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