 Results |
SANTANDER
Preferred Current Account
| 5% up to £2,500
0% £2,501+ | 0% | Yes |  |  |  |
| 5.00% for 12 months on balances up to £2,500. | No arranged O/D usage fee for 12 months. | No acc charges. | 
Details |
Info: Min investment £1.00, max £2m. £1,000 monthly deposit required. Our opinion: Receive up to £300 cashback when you switch your main account to Santander. |
SANTANDER
Santander Zero Current Account
| 5% up to £2,500
0% £2,501+ | 12.9% | Yes | | | |
| 5.00% applies for 12 months. | No fees for O/D facilities. | No account charges. | Details |
Info: £1,000 monthly deposit required. Our opinion: Only available to those with a Santander mortgage or investment product or those who hold a minimum of £10,000 in savings with Santander. |
BANK OF SCOTLAND
Classic Account with Vantage
| 1.5% up to £999
3% £3,000+ | 19.28% | Yes | | | |
| Earn 3.00% AER on balance of £3k-£5k. | £10 interest and fee free overdraft buffer. | No account charges. | Details |
|
|
LLOYDS TSB BANK PLC
Classic Account with Vantage
| 1.5% up to £999
3% £3,000+ | 19.28% | Yes | | | |
| Earn 3.00% AER on balance of £3k-£5k. | £10 interest and fee free overdraft buffer. | No acc charges. | Details |
Info: Min investment £1.00. £1,000 per month must be paid into the account. |
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. |
BANK OF CYPRUS UK
Online Personal Current Account
| 0.25% | negotiable | Yes | | | |
| Earn 0.25% on all credit balances. | Subject to personal circumstances. | No acc charges. | Details |
|
|
NORTHERN BANK LIMITED
Northern 24/7
| 0.25% | 9.37% | Yes | | | |
| Earn 0.25% on all credit balances. | Subject to status. | No account charges. | Details |
|
|
SMILE
Current Account
| 0.12% | 15.9% | Yes | | | |
| Earn 0.12% on credit balances. | £500 fee free O/D. | No acc charges. | Details |
Info: 24 hour account access. |
CITIBANK
Citigold Current Account
| 0.1% | 9.9% | No | | | |
| Earn 0.10% on credit balances. | £500 interest free overdraft. | £25 per month. |
Details |
Info: A range of benefits are available. |
CUMBERLAND BS
Cumberland Plus
| 0.1% | 9.99% | Yes | | | |
| Earn 0.10% on balances from £1.00. | Subject to status. | No account charges. | Details |
Info: Only available to open in branch. £750 minimum monthly funding required. |
NORTHERN BANK LIMITED
Northern Choice
| 0.1% | 10.46% | Yes | | | |
| Earn 0.10% on all credit balances. | No fee up to £7,500. | No account charges. | Details |
Info: 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: Only available to open in branch or by post. No arrangement fees for overdrafts. |
ULSTER BANK (NI) LTD
Current Plus Account
| 0.01% | 13.84% | 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% | Yes | | | |
| No interest earned. | Subject to status. | No account charges. |
Details |
Info: A range of benefits are available. |
CITIBANK
Citibank Plus Current Account
| 0% | 16.9% | No | | | |
| No interest earned. | £500 interest free overdraft. | £8.00 per month. |
Details |
|
|
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: Receive £100 cashback when you switch to first direct. |
HSBC BANK PLC
Bank Account
| 0% | 19.9% | Yes | | | |
| No interest earned. | "Fair Fees Policy" applies. | No acc charges. |
Details |
Info: A range of benefits are available. |
NATIONWIDE BS
FlexAccount
| 0% | 18.9% | Yes | | | |
| No interest earned. | No fees for O/D facilities. | No acc charges. |
Details |
Info: An account transfer service is available. |
NATWEST BANK PLC
Select Account
| 0% | 19.89% | Yes | | | |
| No interest earned. | £100 interest free O/D. | No acc charges. |
Details |
Info: Min investment is £1.00. 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 19.89%. There is a UK-based customer call centre, open 24 hours a day. |
SANTANDER
Everyday Current Account
| 0% | 0% | Yes | | | |
| No interest earned. | No arranged O/D usage fee for 4 months. | No account charges. |
Details |
Info: 24 hour account access. |
THE CO-OPERATIVE BANK PLC
Current Account Plus
| 0% | 15.9% | Yes | | | |
| No interest earned. | £200 fee free O/D. | No account charges. |
Details |
Info: Minimum monthly funding £800. |
THE ROYAL BANK OF SCOTLAND PLC
Select Account
| 0% | 19.89% | Yes | | | |
| No interest earned. | £100 interest free O/D. | No acc charges. |
Details |
Info: Min investment £1.00. No arrangement fees for overdrafts up to £15,000. |
BANK OF CHINA (UK) LIMITED
Current Account
| 0% | n/a | Yes | | | |
| No interest earned. | Negotiable. | No account charges. | Details |
Info: Only available to open in branch. Available in different currencies. |
BANK OF IRELAND UK
Clear Account - Level 1
| 0% | 8.5% | Yes | | | |
| No interest earned. | Subject to status. | No acc charges. | Details |
Info: Min investment £1.00. Min monthly funding £1,500. |
BANK OF IRELAND UK
Clear Account - Level 2
| 0% | 13% | Yes | | | |
| No interest earned. | Subject to status. | No acc charges. | Details |
Info: Min investment £1.00. Min monthly funding £500. |
BANK OF IRELAND UK
Clear Account - Level 3
| 0% | 14.5% | Yes | | | |
| No interest earned. | Subject to status. | No acc charges. | Details |
Info: Min investment £1.00. Up to £500 monthly funding required. |
BANK OF SCOTLAND
Classic Account
| 0% | 19.28% | Yes | | | |
| No interest earned. | £10 interest and fee free overdraft buffer. | No account charges. | Details |
|
|
CLYDESDALE BANK PLC
Current Account Plus
| 0% | 18.85% | Yes | | | |
| No interest earned. | No arrangement fees. | No account charges. | Details |
Info: Only available to open in branch or by phone. Access to Savings Account Plus. |
CUMBERLAND BS
Cumberland Day2Day
| 0% | n/a | Yes | | | |
| No interest earned. | No overdraft facility available. | No account charges. | Details |
Info: Only available to open in branch. £200 minimum monthly funding required for customers aged 24+. |
FIRST TRUST BANK (NI)
Classic Account
| 0% | negotiable | Yes | | | |
| No interest earned. | Agreed rate. | Subject to terms. | Details |
Info: Only available to open in branch. Min investment £1.00. |
|
|
|
|
