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

SantanderPreferred In-Credit Rate A/c

Santander
5.00% AER (Variable) on balances up to £2,50019.9% EARNone

Credit interest rate changes to 1% gross/AER (variable) after 12 months on balances up to £2,500. Rate changes to 0.10% gross/AER (variable) on balances over £2,500 and for any month where the minimum of £1,000 paid into the account.

Alliance & LeicesterPremier Direct Current A/c

Alliance & Leicester
5.00% AER (Variable) on balances up to £2,5000% 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

Lloyds TSBClassic with Vantage

Lloyds TSB
0.1%18.9% EARNone

If you pay in £1000 a month or more, you can add Vantage or Plus to your Classic Account for free. With Vantage you get up to 4.00% AER (3.93% Gross) for balances from £5,000 up to £7,000 paid monthly to supplement your income. All you need to do is, stay in credit during the month, and pay in at least £1,000 each month.

Alliance & LeicesterPremier 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

Earn 0.50% AER (variable) on balances up to £2,500 and 0.10% AER (variable) on balances over that amount. 0% EAR typical overdraft. No usage fees on arranged overdrafts for 12 months from when you open the account (new customers only). A usage fee of 50p a day (up to £5 a month) applies after that. Maximum overdraft limit is £2,000. Exclusive access to a linked PlusSaver account and the Santander Zero Credit Card (depending on your 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.

SantanderPreferred Overdraft Rate A/c

Santander
0.1%12.9% EARNone

0% EAR Advance Overdraft for the first 12 months from the date you open the account (depending on your circumstances). After 12 months, the rate changes to our standard rate typical 12.9% EAR (variable). We'll match your previous overdraft up to £5,000 (dependant on circumstances). All these benefits are available when you switch your account using our dedicated Account Transfer Team.

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.

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.

NatWestCurrent Plus

NatWest
0.1%19.2% EARInterest Free Buffer: Yes

As an existing NatWest current account customer you would also be eligible to apply for a Natwest Platinum Credit Card currently offering 0% on balance transfers for 15 months and 0% on purchases – for three months from account opening.

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.

Royal Bank of ScotlandIPCA

Royal Bank of Scotland
0.1%19.2% EARInterest Free Buffer: Yes

As an existing RBS current account customer you would also be eligible to apply for an RBS Platinum Credit Card currently offering 0% on balance transfers for 15 months and 0% on purchases – for three months from account opening.

NatWestAdvantage Gold

NatWest
0.25%18.5% EARInterest Free Buffer: Yes

Benefits worth up to £704 for just £12.95 a month. 5 star travel insurance - even for winter sports, Mobile phone insurance - even for iPhones, Car breakdown cover - even on your driveway.

Royal Bank of ScotlandRoyalties Gold

Royal Bank of Scotland
0.15%17.0% EARInterest Free Buffer: Yes

The monthly subscription for the Royalties Gold current account is £12.95. Benefits that could save you money and hassle including 5 star Defaqto rated worldwide multi-trip family travel insurance and holiday discounts. Protection - mobile phone insurance, car breakdown cover, identity theft protection, home emergency cover, extended warranty and great home and car insurance discounts and much more.

Royal Bank of ScotlandRoyalties

Royal Bank of Scotland
0.15%18.2% EARInterest Free Buffer: Yes

The monthly fee for the Royalties current account is £6.95. Valuable cover, savings and much more. Protection - register for Mobile Phone insurance and you're covered for one mobile phone and SIM card against accidental or malicious damage, loss and theft up to a value of £300. Travel Service - save 10% on flights, holidays and more when you book through Royalties Membership Services. Entertainment - 25% discount on up to 2 tickets per event for concert and theatre tickets when you book through Royalties Membership Services.

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.