Exclusive current accounts

Britain's No. 1 comparison site, offering you free, independent and whole of market comparison for all current accounts, plus exclusive offers you can't find elsewhere.

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

    • Provider/Product name 1st Account

      1st Account

    • Customer Service Rating
      Great
      92%
      OK
      6%
      Poor
      2%
    • Overdraft Rate (EAR) Interest free on the first £250
    • Interest Rate (AER) 0.00%
    • Go to site

      Phone

      More details

    Exclusive

    Exclusive £125 cashback when you switch to first direct through MoneySuperMarket.com by 31st May!

    Great for
    Receive £125 cashback when you switch to first direct by 31st May
    Earn a market leading 6% interest from first direct's regular saver and access preferential mortgage rates - open to first direct banking customers only
    But be aware that
    Minimum monthly funding of £1,000
    No interest paid on balances in credit
  1. 2015 SUPERS

    Winner of the best overall current account provider

    Great for
    Cashback on your household bills
    But be aware that
    £2 monthly account fee
    Minimum monthly funding of £500
  2. Great for
    £100 cashback 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. 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
    In credit interest of 5% AER on balances from £1 to £2,500. Conditions apply
    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
  3. Switching Gift Card!

    £100 M&S gift card if you switch your main bank account using the current account switching service

    Great for
    Access to the 6% high interest rate M&S Monthly Saver account
    First £100 overdraft is interest free with a £50 buffer if you go over the agreed overdraft limit
    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.

  4. Up to £185 reward

    Receive £125 reward when you switch to this account plus an additional £5 per month - see T&Cs

    Great for
    Earn up to £185 reward in the first year - made up of £125 for switching & 12x £5 reward each month you pay in £750+, pay out two different Direct Debits and stay in credit
    Your switch is covered by the Current Account Switch Guarantee
    But be aware that
    Start your switch by 31st May to get £125, when you use the Current Account Switch Service & close your old account held elsewhere. If you've had cashback for switching since January 2012, we're sorry but you don't qualify
    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 paperless correspondence
  5. Great for
    Earn 3.00% AER/2.96% Gross variable credit interest on balances up to £3,000
    Collect extra Clubcard points in and out of Tesco with your debit card1
    But be aware that
    £5 monthly account fee - which you don’t pay if you deposit £750 a month

    Representative Example:

    If you use an arranged overdraft limit of £1,200 at a rate of 18.90% EAR (variable) interest, you would be expected to pay £0.62 interest each day.
    1 One point for every £4 spent in Tesco and one point for every £8 spent out of Tesco in each card purchase transaction. Exclusions apply.

  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
    Preferential rates and benefits across a range of products
    No monthly account fee
    But be aware that
    Available to customers paying in £1,750 or more each month (or an equivalent amount every six months), not including money transferred from another sole or joint personal account held with HSBC Bank
  9. 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
  10. £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. 2015 SUPERS

    Winner of the best overall current account provider

    Great for
    Cashback on your household bills
    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

    • Provider/Product name FlexAccount

      FlexAccount

    • Overdraft Rate (EAR) 0% 1st 3 months
    • Overdraft Buffer 3 months interest free
    • Customer Service Rating
      Great
      69%
      OK
      25%
      Poor
      6%
    • Go to site

      Phone

      More details

    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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