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

Santander123 Current Account

Santander
0.0%†0% plus £1.00 per day usage feeFee Free Buffer: Yes
Max Transferred Fee Free Buffer: Yes

The new current account that gives you cashback & interest in one, for just £2 a month.

Representative Example: 0% EAR (variable) Arranged Overdraft. No Daily Arranged Overdraft Fee for the first four months. Then £1 each day capped at 20 days in each monthly statement period. Assumed Arranged Overdraft credit limit £1,200. Actual amount may differ.

If you don't switch, the daily arranged overdraft fee will apply from account opening.

 

first direct1st Account

first direct
N/A15.9% EARInterest Free Buffer: Yes

£100 when you switch your banking. Just transfer your salary/income of at least £1,500 per month within three months and £100 will be added to your account. This offer is only available to new first direct customers.

 

HalifaxReward Current Account

Halifax
N/A0% plus £2.00 per day usage feeFee Free Buffer: Yes
Max Transferred Fee Free Buffer: Yes

£5 in your pocket month in, month out with our Reward Current Account. Just pay in £1,000 each month, whether you're in credit or overdrawn. Simple overdraft fees rather than monthly interest, making it easier to manage your money.

Representative Example: So, if you use a planned overdraft of £1,200, then we’ll charge you £1 a day when you use it.

 

NatWestSelect Account

NatWest
N/A19.9% EARFee Free Buffer: Yes
Interest Free Buffer: Yes

All the essentials to make everyday banking easy for you. Visa debit card, overdraft (subject to eligibility), UK-only call centres, Award-winning online banking, no monthly fee.

 

SantanderEveryday Current Account

Santander
N/A0% plus £1.00 per day usage feeFee Free Buffer: Yes
Max Transferred Fee Free Buffer: Yes

A simple and straightforward current account that helps make managing your money easy and convenient. A free arranged overdraft, overdraft matching service, dedicated Switcher Service.

Representative example: 0% EAR (variable) arranged overdraft. No Daily arranged overdraft fee for the first 4 months. Then £1 per day capped at 20 days for each monthly statement period applies thereafter. Assumed arranged overdraft credit limit: £1,200. Actual amount may differ.

If you don't switch, the daily arranged overdraft fee will apply from account opening.

 

Barclays BankCurrent Account Plus

Barclays Bank
N/A18.3% EARFee Free Buffer: Yes
Interest Free Buffer: Yes

Includes a range of benefits including mobile phone insurance & an interest-free overdraft up to £300 for a £6.50 monthly fee*

Representative example: Up to £300 – 0% interest pa (variable) Over £300 and up to £5,000 – 18.3% interest pa (variable). *Terms, conditions and exclusions apply

 

Royal Bank of ScotlandSelect Silver Account

Royal Bank of Scotland
N/A19.9% EARFee Free Buffer: Yes
Interest Free Buffer: Yes

Save money on the things you may already spend on. European travel insurance, mobile phone insurance, five music downloads every month from hmvdigital, three DVD rentals and up to 2 hours online streaming every month from LOVEFiLM. Get access to these benefits for just £8 per month.

 

Barclays BankAdditions Active

Barclays Bank
N/A18.3% EARFee Free Buffer: Yes
Interest Free Buffer: Yes

Benefits include mobile phone insurance, travel insurance* & an interest-free overdraft for £15/month**

Representative example: Up to £300 – 0% interest pa (variable) Over £300 and up to £5,000 – 18.3% interest pa (variable). *Max 70 age limit applies. **Ts&Cs & exclusions apply

 

NationwideFlexAccount

Nationwide
0.0%18.9% EARFee Free Buffer: Yes
Max Transferred Fee Free Buffer: Yes

The Nationwide FlexAccount gives you access to a range of exclusive offers, including free European travel insurance, discounted personal loans and special mortgage deals - all with no monthly account fee.

 

NatWestSelect Silver Account

NatWest
N/A19.9% EARFee Free Buffer: Yes
Interest Free Buffer: Yes

Save money on the things you may already spend on. European travel insurance, mobile phone insurance, five music downloads every month from hmvdigital, three DVD rentals and up to 2 hours online streaming every month from LOVEFiLM. Get access to these benefits for just £8 per month.

 

The Co-operative BankCurrent Account Plus

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

Subscription Free Everything you’d expect from our standard current account when you credit £800 or more, fee-free overdraft, secure online banking, cheque book, debit card, linked savings account.

 

HalifaxUltimate Reward Current A/C

Halifax
N/A0% plus £2.00 per day usage feeFee Free Buffer: Yes
Max Transferred Fee Free Buffer: Yes

Worldwide multi-trip family travel insurance, Mobile phone insurance, AA Breakdown Cover, Home emergency cover, Card protection all this for just £10 a month

Representative Example: So, if you use a planned overdraft of £1,200, then we’ll charge you £1 a day when you use it.

 

The Co-operative BankPrivilege Premier

The Co-operative Bank
N/A9.9% EARInterest Free Buffer: Yes
Fee Free Buffer: Yes

All these benefits for just £13 a month. Worldwide family travel insurance, mobile phone insurance for four handsets, exclusive mortgage deals, an automatic £300 interest AND fee-free overdraft and much more.

 

HSBCBank Account

HSBC
N/A19.9% EARFee Free Buffer: Yes

Easy switching, handy extras. Get all the benefits you'd expect from a bank account and more, including access to one of our highest-earning savings accounts.

 

The Co-operative BankPrivilege

The Co-operative Bank
N/A12.9% EARInterest Free Buffer: Yes
Fee Free Buffer: Yes

Get all these benefits for just £9.50 a month. Worldwide family travel insurance, mobile phone insurance for four handsets, 20% off the 1st years home insurance premium from The Co-operative Insurance, interest AND fee-free £200 overdraft and more.

 

Royal Bank of ScotlandSelect Account

Royal Bank of Scotland
N/A19.9% EARFee Free Buffer: Yes
Interest Free Buffer: Yes

All the essentials to make everyday banking easy for you. Visa debit card, overdraft (subject to eligibility), UK-only call centres, no monthly fee.

 

Barclays BankBank Account

Barclays Bank
N/A19.3% EARNone

A current account with no monthly fee that gives you a contactless debit card & access to online, in branch and phone banking.

Representative Example: Up to £300 – 0% interest pa (variable) Over £300 and up to £5,000 – 18.3% interest pa (variable). *Terms, conditions and exclusions apply.

 

NatWestAdvantage Gold

NatWest
N/A19.5% EARInterest Free Buffer: Yes
Fee Free Buffer: Yes

Bringing a host of great benefits together for you. Mobile phone insurance, Green flag car breakdown cover, annual world wide travel insurance. Monthly fee is £12.95

 

Royal Bank of ScotlandRoyalties Gold

Royal Bank of Scotland
N/A19.2% EARInterest Free Buffer: Yes
Fee Free Buffer: Yes

Bringing a host of great benefits together for you. Mobile phone insurance, Green flag car breakdown cover, annual world wide travel insurance. Monthly fee is £12.95

 

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.