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
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Based on £1
Overdraft
features ?
Benefits Apply
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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.

SantanderPreferred In-Credit Rate A/c

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

£100 Cashback We’ll give you £100 cashback when you switch your main current account to Santander using our dedicated switching service and pay in at least £1,000 a month. You’ll earn the impressive 5% AER (fixed) for the first 12 months from account opening, on balances up to £2,500 when you pay in £1,000 per month.

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 we will add £100 to your account.

Lloyds TSBClassic Plus

Lloyds TSB
2.5%18.9% EARNone

If you pay in £1000 a month or more, you can add Vantage or Plus to your Classic Plus 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.

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

Switch to Santander and get a 0% EAR overdraft for 12 months depending on your circumstances. After 12 months the rate reverts back to 12.9% EAR variable. All these benefits are available when you switch your account using our dedicated Account Transfer Service.

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.

NatWestCurrent Plus

NatWest
0.1%19.9% 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.

HalifaxCurrent Account

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

If you’re looking for a really straightforward current account that’s ideal for day-to-day banking, the Halifax Current Account is simplicity itself. We’ve made overdrafts simple too, by charging straightforward daily fees that are easy to understand.

Lloyds TSBStudent

Lloyds TSB
0.1%8.2% EARNone

Student Account Up to £1,500 tiered interest-free planned overdraft, mobile banking, Lloyds TSB Visa debit card, internet and phone banking with extra discounts and offers.

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.