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:
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	Basic Bank Accounts
	Student & Young Person Accounts
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	Please enter your typical balance (e.g. 500, -500)	£
	Compare Current Account Overdrafts

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
ALLIANCE & LEICESTER PLC	Premier Current Account	New customers could receive £100.	0.5%	£1
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	6%	£1	0.00%	n/a
SANTANDER	The Santander Account (Preferred In-credit Rate)	6%	£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.
THE CO-OPERATIVE BANK PLC	Privilege Account	0%	£1	£9.50 per month.

Ethical Accounts

Lender	Product	Interest (AER)	O/D Rate	O/D Buffer
THE CO-OPERATIVE BANK PLC	Current Account Plus	0%	15.90%	n/a

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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There are many different Current Accounts available in today’s market. From specialist young person’s bank accounts to Current Accounts (with overdraft), Cheque Accounts, Basic Bank Accounts, Student Accounts, Graduate Accounts, Foreign Currency Accounts and Current Accounts with special offers. Our Current Account guide will help you compare bank accounts and you choose the best current account for your needs.

Reclaiming Bank Charges

Tens of thousands of bank customers are successfully reclaiming unfair and excessive bank charges, including overdraft charges levied on their current accounts as long as six years ago. Read our guide to reclaiming bank charges - complete with template letters you can download and use immediately - to understand how YOU could claim back thousands of pounds.

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