Compare current accounts

Search the whole market for the best current accounts

The best UK current accounts are online current accounts. Check out The Motley Fool's range of online current accounts and find your best current account. Search, compare, and apply online.

In order to run your finances properly you need to get the right sort of current account. There are many different types of current accounts available. Some banks will offer you high interest on your credit balance, while others might offer cheap overdraft facility. Some current accounts even offer you cash back against what you spend.

We have more than 300 different current accounts for you to choose from, from traditional high street banks to newer and increasingly popular internet banks. Either way you need to make sure you have got the one that suits your needs best.

At a glance: Fool.co.uk’s top current accounts

Provider & account nameCredit rate (AER)?
Based on £1		 Overdraft
rate ?
Based on £1		 Overdraft
features ?		Benefits Apply
now

Alliance & Leicester Premier Current A/c

Alliance & Leicester
0.5%†0% for 12 months then 50p per day (capped at £5.00)Introductory Fee Free Buffer: Yes
Fee Free Buffer: Yes

£100 cashback when you switch your current account to Alliance & Leicester. To qualify for this offer you must switch all your direct debits and pay at least £500 from a non-Alliance & Leicester account into your account within 11 weeks of opening the account.

HalifaxReward Current Account

Halifax
0.0%0%Fee Free Buffer: Yes
Max Transferred Fee Free Buffer: Yes

The Reward Current Account gives you £5 each month you pay in £1,000, whether you're in credit or overdrawn. You'll pay daily overdraft fees rather than monthly interest, making it easy to manage your money. You can keep track of your money with a free mobile alerting service plus you'll get a Halifax Visa debit card and access to any of the branches, as well as 24-hour telephone and online banking service.

Alliance & Leicester Premier Direct Current A/c

Alliance & Leicester
6.00% AER (Variable) on balances up to £2,500†0% for 12 months then 50p per day (capped at £5.00)Introductory Fee Free Buffer: Yes
Fee Free Buffer: Yes

Credit interest rate fixed for 1 year. A dedicated team will move your existing direct debits, standing orders and salary to your new account and look to match your overdraft limit. Exclusive access to a linked PlusSaver account and the Santander Zero Credit Card dependant on circumstances

The Co-operative BankCurrent Account Plus

The Co-operative Bank
N/A15.9% EARFee Free Buffer: Yes

It’s subscription free and offers a fee-free overdraft facility. It also comes with a linked Savings Plus account that tracks 0.5%† below the Bank of England Base Rate and is guaranteed for the life of your Current Account Plus. To open and maintain a Current Account Plus all you need to do is pay in a minimum of £800 per month.

HalifaxUltimate Reward Current A/c

Halifax
0.0%0%Max Transferred Fee Free Buffer: Yes
Fee Free Buffer: Yes

With the Ultimate Reward Current Account you get all the features you'd expect, plus plenty of other great benefits for just £12.50 a month. £5 reward payment each calendar month you pay in £1,000, worldwide multi-trip, family travel insurance, RAC car breakdown cover and mobile phone insurance and exclusive offers.

Bank of ScotlandReward Current Account

Bank of Scotland
0.0%0%Fee Free Buffer: Yes
Max Transferred Fee Free Buffer: Yes

The Reward Current Account gives you £5 each month you pay in £1,000, whether you're in credit or overdrawn. You'll pay daily overdraft fees rather than monthly interest, making it easy to manage your money. You can keep track of your money with a free mobile alerting service plus you'll get a Bank of Scotland Visa debit card and access to any of the branches, as well as 24-hour telephone and online banking service.

Some important information about this page

† Denotes a tiered rate.

This current accounts comparison service (the “Service”) is provided by lovemoney.com, a third party. By using the Service, you acknowledge that the Service is administered solely by lovemoney.com and not The Motley Fool. If you have any questions about the Service or any data displayed, please contact lovemoney.com.

The Motley Fool does not provide personalised financial advice.

Please note that the services and products featured are those made available from advertisers and may not necessarily be the best offers on the market. For more information, please see our current accounts advertising disclosure.