Exclusive current accounts

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Current accounts with best customer service score - Ordered by Money Saving Expert Customer Service Scores

  1. £100 Cashback

    £100 cashback received if you switch to a 1st Account

    Great for
    Earn a market leading 6% interest from first direct's regular saver - open to first direct banking customers only
    Satisfaction guarantee - receive an additional £100 if you leave within 12 months
    But be aware that
    Minimum monthly funding of £1,000
    No interest paid on balances in credit
  2. Market leading

    Best rate for balances between £3,000 and £20,000

    Great for
    Cashback on your household bills
    2014 Best Current Account provider of MoneySuperMarket.com Supers Awards for the second year running
    But be aware that
    £2 monthly account fee
    Minimum monthly funding of £500
  3. Great for
    £100 cash back when you switch using The Co-operative Bank switching service
    The Co-operative Bank will also donate £25 to charity
    But be aware that
    Minimum monthly funding £800
    Terms apply for the £100 offer. See 'more details' page or visit providers site for full details

    Representative Example:

    The advance of credit of £200 at an interest rate of 18.9% EAR variable.
    Debit interest of 18.9% per annum is charged on the total overdrawn balance. For overdrafts over £200 a £20 fee is payable on set up, when The Co-operative Bank agree new limits and upon each annual renewal of the overdraft. Subject to status.

    • Provider/Product name FlexDirect

      FlexDirect

    • Customer Service Rating
      Great
      69%
      OK
      25%
      Poor
      6%
    • Overdraft Rate (EAR) 0% 1st 12 months
    • Interest Rate (AER) 5.00% on balances between £1 and £2500
    • Go to site

      Phone

      More details

    Market leading

    This is the best rate for balances up to £2,500

    Great for
    Highly commended provider 2014 MoneySuperMarket.com Supers Awards
    Dedicated switching service to personally manage your account opening
    But be aware that
    Minimum monthly funding of £1,000
    After 12 months the interest rate lowers to 1% AER
  4. £100 M&S Gift Card

    £100 M&S Gift Card reward when you switch using the Current Account Switching Service

    Great for
    Earning M&S points for debit card spending - One point for every £1 spent, 100 points equate to £1 in M&S vouchers
    £100 overdraft buffer if you dip into the red
    But be aware that
    To qualify for the £100 gift card you must use the Current Account Switch Service

    Representative Example:

    0% EAR variable on the first £100. 15.9% EAR variable thereafter.

  5. Market leading

    Earn up to £160 in the first year!

    Great for
    Earn up to £160 reward in the first year - made up of £100 for switching. Your switch is covered by the Current Account Switch Guarantee
    and 12 x £5 reward each month you pay in £750+, pay two different Direct Debits and stay in credit
    But be aware that
    To qualify for £100, use the Current Account Switch Service to transfer and close your old account held elsewhere. Excludes anyone who's had £100 for switching since Jan 2012
    Account terms and conditions apply

    Representative Example:

    If you use a planned overdraft of £1,200, then Halifax will charge you £1 a day when you use it. Overdrafts are subject to status.

    • Provider/Product name Classic Plus

      Classic Plus

    • Customer Service Rating
      Great
      52%
      OK
      36%
      Poor
      12%
    • Overdraft Rate (EAR) 19.94%
    • Interest Rate (AER) 5.00% on balances up to £2000
    • Go to site

      Phone

      More details

    Great for
    In credit interest of 5% AER for balances from £0 – £2,000. T&C’s apply
    £25 interest and fee free planned overdraft
    But be aware that
    Subject to application and approval
    To earn 5% AER you must credit your account with £500 each month, register for internet banking, paperless statements and correspondence
  6. Great for
    Earn up to 4% AER / 3.93% Gross variable interest on your balance up to £5,000
    Get exclusive access to a range of great banking offers
    But be aware that
    For the monthly £5 fee to be waived, a minimum of £1,500 must be paid into your account each month
    To qualify for credit interest you need to pay two different Direct Debits from your Club Lloyds current account each calendar month

    Representative Example:

    Up to £100 interest and fee free overdraft, subject to application and approval. If you use a Planned Overdraft of £1,200 on the Club Lloyds Account the overdraft interest rate Lloyds charge on the first £100 will be 0% EAR variable. The overdraft interest rate on the next £1,100 will be 19.94% EAR variable and a Monthly Overdraft Usage Fee of £6 will apply. You will not pay any fees or interest on an unplanned overdraft if you are overdrawn by £10 or less. EAR is the Equivalent Annual Rate. This is the actual annual rate of an overdraft. It doesn't take into account other fees and charges.

  7. £150 Cashback

    £150 cashback when you switch using the Current Account Switching Service

    Great for
    2% AER in credit interest. Use for end of month balances or savings
    9.9% EAR Overdraft rate – great option for overdraft occasional users
    But be aware that
    Minimum monthly funding £1,000
    Account must be opened on the phone or in branch
  8. Great for
    Earn a minimum of 1% cashback at selected retailers and an additional 1% cashback on contactless purchases
    Award winning mobile banking - pay your contacts anytime
  9. £150 Cashback

    £150 cashback when you switch using the Current Account Switching Service

    Great for
    2% AER in credit interest. Use for end of month balances or savings
    9.9% EAR Overdraft rate – great option for overdraft occasional users
    But be aware that
    Minimum monthly funding £1,000
    Account must be opened on the phone or in branch

Cashback current accounts - Ordered by the amount of Cashback/Reward received

  1. Market leading

    Best rate for balances between £3,000 and £20,000

    Great for
    Cashback on your household bills
    2014 Best Current Account provider of MoneySuperMarket.com Supers Awards for the second year running
    But be aware that
    £2 monthly account fee
    Minimum monthly funding of £500

Overdraft current accounts - Order based on scenario of 15 days overdrawn by £500 over a 24 month period. Based on first 24 months of account opening

  1. 2014 SUPERS

    Highly Commended provider of 2014

    Great for
    Free Multi-trip travel insurance
    Dedicated switching service to personally manage your account opening
    But be aware that
    Minimum monthly funding of £750
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