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NATWEST BANK PLC
Current Plus
Sponsored Link | 0.1% | 19.24% | Yes |  |  |  |
| Earn 0.10% on balances from £1.00. | £100 interest free O/D. | No acc charges. | 
Details |
Info: Min investment is £1.00. Upgrade to Advantage Blue for £6.95 per month. Our opinion: One of the most popular current accounts, customers receive a £100 interest-free buffer if they go overdrawn. If you need to borrow more than that the authorised overdraft rate is high at 19.24%. There is a UK-based customer call centre, open 24 hours a day. |
ABBEY
The Abbey Account (Preferred In-credit Rate)
| 6% up to £2,500
0.1% £2,501+ | 19.9% | Yes | | | |
| 6.00% applies for 12 months. | No fees for O/D facilities. | No acc charges. |
Details |
Info: Min investment £1.00, max £2m. £1,000 monthly deposit required. Our opinion: Leading rate on balances up to £2,500, although it drops to 1.00% after a year. At least £1,000 must be paid into the account each month. |
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ALLIANCE & LEICESTER PLC
Premier Direct Current Account
| 6% up to £2,500
0.1% £2,501+ | 0% | Yes | | | |
| 6.00% AER (fixed) for 1 year, then 1.00% AER. | Interest free O/D 12 mnths. | Subject to terms. |
Details |
Info: Min investment £1.00. A range of benefits are available. Our opinion: Market-leading rate of 6.00% AER on balances up to £2,500, fixed for the first year. Based on the average balance of £1,740, this could earn you an extra £104 in interest. |
ABBEY
The Abbey Account (Preferred In-credit Rate)
| 6% up to £2,500
0.1% £2,501+ | 19.9% | Yes | | | |
| 6.00% applies for 12 months. | No fees for O/D facilities. | No acc charges. |
Details |
Info: Min investment £1.00, max £2m. £1,000 monthly deposit required. Our opinion: Leading rate on balances up to £2,500, although it drops to 1.00% after a year. At least £1,000 must be paid into the account each month. |
LLOYDS TSB BANK PLC
Classic Plus Current Account
| 2.5% up to £2,500
0.1% £2,501+ | 18.9% | Yes | | | |
| £1,000 min monthly funding. | No arrangement fees. | No acc charges. |
Details |
Info: Min investment £1.00. Account text alert service is available. |
CAHOOT
Current Account
| 1.1% up to £249,999
0.1% £250,000+ | 11.8% | Yes | | | |
| Tiered rates from £1.00. | £100 interest free O/D. | No acc charges. | Details |
Info: Min investment £1.00. Account alerts via email and mobile text messaging. |
COVENTRY BS
Coventry First
| 1.1% | n/a | Yes | | | |
| Includes a 0.85% bonus payable for the first year. | £250 interest free buffer. | No account charges. | Details |
Info: No min investment, max £250,000. £1,000 must be deposited monthly. |
ALLIANCE & LEICESTER PLC
Premier Current Account
| 0.5% up to £2,500
0.1% £2,501+ | 0% | Yes | | | |
| Tiered rates from £1.00. | Interest free O/D 12 mnths. | No acc charges. |
Details |
Info: Min investment £1.00. £500 per month must be paid into the account. Our opinion: Includes free European travel insurance and free overdraft for first year. At least £500 a month must be paid into the account. |
BANK OF CYPRUS UK
Current Account
| 0.25% | negotiable | Yes | | | |
| Earn 0.25% on all credit balances. | Subject to personal circumstances. | No acc charges. | Details |
Info: Min investment £10. Easy to understand and simple to manage. |
SMILE
Current Account
| 0.12% | 15.9% | Yes | | | |
| Earn 0.12% on balances from £1.00. | £500 fee free O/D. | No acc charges. | Details |
Info: Min investment £1.00. Min £1,000 paid in monthly. |
LLOYDS TSB BANK PLC
Classic Account with Vantage
| 0.1% up to £999
4% £5,000+ | 19.3% | Yes | | | |
| Earn 4.00% on balance of £5k-£7k. | No arrangement fees. | No acc charges. |
Details |
Info: Min investment £1.00. £1,000 per month must be paid into the account. |
NATWEST BANK PLC
Current Plus
| 0.1% | 19.24% | Yes | | | |
| Earn 0.10% on balances from £1.00. | £100 interest free O/D. | No acc charges. |
Details |
Info: Min investment is £1.00. Upgrade to Advantage Blue for £6.95 per month. Our opinion: One of the most popular current accounts, customers receive a £100 interest-free buffer if they go overdrawn. If you need to borrow more than that the authorised overdraft rate is high at 19.24%. There is a UK-based customer call centre, open 24 hours a day. |
BANK OF IRELAND (NI)
Clear Account - Level 3
| 0.1% | 15.25% | Yes | | | |
| Earn 0.10% on balances from £1.00. | No arrangement fee. | No acc charges. | Details |
Info: Min investment £1.00. Up to £500 monthly funding required. |
CITIBANK
Citibank Access Account
| 0.1% | 13.9% | Yes | | | |
| Earn 0.10% on balances from £1.00. | No arrangement fees. | No acc charges. | Details |
Info: Min investment £1.00. Mobile banking with email and text alerts. |
LLOYDS TSB BANK PLC
Classic Account
| 0.1% | 19.3% | Yes | | | |
| Earn 0.10% on balances from £1.00. | No arrangement fees. | No acc charges. | Details |
Info: Min investment £1.00. Account text alert service is available. |
NORTHERN BANK LIMITED
Northern Choice
| 0.1% | 9.37% | Yes | | | |
| Earn 0.10% on balances from £1.00. | No fee up to £7,500. | No acc charges. | Details |
Info: Min investment £1.00. Receive account alerts via text & email. |
NORTHERN ROCK
Current Account
| 0.1% | 11.9% | Yes | | | |
| Earn 0.10% on balances from £1.00. | Usage fee applies. | No acc charges. | Details |
Info: Min investment £1.00, max £2 million. No arrangement fees for overdrafts. |
THE ROYAL BANK OF SCOTLAND PLC
Interest Paying Current Account
| 0.1% | 19.24% | Yes | | | |
| Earn 0.10% on balances from £1.00. | £100 interest free O/D. | No acc charges. | Details |
Info: Min investment £1.00. No arrangement fees for overdrafts up to £15,000. |
ULSTER BANK (NI) LTD
Current Plus Account
| 0.01% | 13.6% | Yes | | | |
| Earn 0.01% on balances from £1.00. | See Details. | No acc charges. | Details |
Info: Min investment £1.00. |
BARCLAYS BANK PLC
Bank Account
| 0% | 19.3% | No | | | |
| No interest earned. | Not available. | No acc charges. |
Details |
Info: Min investment £1.00. A range of benefits are available. |
HSBC BANK PLC
Bank Account
| 0% | 19.9% | Yes | | | |
| No interest earned. | "Fair Fees Policy" applies. | No acc charges. |
Details |
Info: Min investment £1.00. A range of benefits are available. Our opinion: No interest is paid on balances in credit but this is one of the world’s largest banks and customers have access to 24-hour customer service – for some these will be more important factors than the interest rate. |
THE CO-OPERATIVE BANK PLC
Current Account Plus
| 0% | 15.9% | Yes | | | |
| No interest earned. | £200 fee free O/D. | No acc charges. |
Details |
Info: Min investment £1.00. Min monthly funding £800. Our opinion: No interest is paid on balances in credit however 24 hour telephone banking and internet banking available and you can withdraw up to £250 a day. |
FIRST DIRECT
1st Account
| 0% | 15.9% | No | | | |
| 0% AER credit interest rate will be applied. | £250 fee free OD | £10 per month.* |
Details |
Info: No £10 mthly charge if £1.5k paid into acc per mnth or average mthly balance is £1.5k … Our opinion: Earn £100 by switching your current account to First Direct. To qualify your salary must be paid into the account. Note, a £10 monthly fee is charged if less than £1,500 is deposited each month. |
BANK OF IRELAND (NI)
Clear Account - Level 1
| 0% | 8.5% | Yes | | | |
| No interest earned. | £200 fee free O/D. | No acc charges. | Details |
Info: Min investment £1.00. Min monthly funding £1,500. |
BANK OF IRELAND (NI)
Clear Account - Level 2
| 0% | 13% | Yes | | | |
| No interest earned. | No arrangement fee. | No acc charges. | Details |
Info: Min investment £1.00. Min monthly funding £500. |
BANK OF SCOTLAND
Private Banking Flexible Current Account
| 0% | negotiable | Yes | | | |
| No interest earned. | 5.6% Typical APR (variable). | No acc charges. | Details |
Info: Min investment £1.00. Applicants must earn £75,000 per annum or over. |
CLYDESDALE BANK PLC
Current Account Plus
| 0% | 18.85% | Yes | | | |
| No interest earned. | No arrangement fees. | No acc charges. | Details |
Info: Min investment £1.00. Access to Savings Account Plus. |
CUMBERLAND BS
Current Account
| 0% up to £4,999
0% £25,000+ | 12.73% | Yes | | | |
| £500 min monthly funding. | Not available. | No acc charges. | Details |
Info: Min investment £1.00. £500 min monthly funding. |
FIRST TRUST BANK (NI)
Classic Account
| 0% | negotiable | Yes | | | |
| No interest earned. | Agreed rate. | Subject to terms. | Details |
Info: Min investment £1.00. |
HSBC BANK PLC
Amanah Bank Account
| 0% | n/a | Yes | | | |
| No interest earned. | Not available. | No acc charges. | Details |
Info: Min investment £1.00. Amanah is compliant with Shariah (Islamic law). |
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