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Compare Best Bank Accounts
BEST BANK ACCOUNT - See out top 5 bank accounts table and check out the latest deals offering the highest interest rates and fantastic features and benefits. Apply online
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Editors Choice - NatWest Select Account
Pay no monthly account fee and get award-winning online banking including mobile banking apps for iPhone, iPad & smartphones
Top 5 Bank Accounts
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Provider |
Account |
Minimum Balance |
O/D Rate |
O/D Buffer |
Apply |
|
|---|---|---|---|---|---|---|
| View Full Table > | ||||||
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Get up to 3% AER on balances £3k - £20k & Get Cash Back on your Bills - 1% cashback on water and council tax, 2% cashback on electricity and gas, 3% cashback on mobile, home phone, broadband and paid for TV packages.
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3%
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£500
|
No Offer
N/A
|
No Offer
|
|
 |
Debit Card included. You must be age 18+. Also 0% £100 Overdraft, Any other borrowing @ 19.24% (subject to eligibility)
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0%
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£1
|
No Offer
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£100
|
|
 |
£200 interest free overdraft. You need to be 18+ & pay in £800+ p.m
|
0.50%
|
£1
|
0%
for life
|
£200
|
|
 |
Get £5 each month you pay in £1,000, whether you're in credit or overdrawn.
|
£5p.m FREE
|
£1
|
0%
|
£2,500
|
|
 |
Get a Debit Card & access to a network of over 1,700 branches. You must be age 18+
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0%
|
£1
|
0%
N/A
|
No Offer
|
|
Santander 123 Current Account
- The New 123 Current Account pays cashback on household direct debits
- 1% cashback on water and council tax
- 2% cashback on electricity and gas
- 3% cashback on mobile, home phone, broadband and paid for TV packages
- New 123 Current Account pays also pays in-credit interest
- 1% AER on the entire balance, once the customer’s balance is £1,000 or over
- 2% AER on the entire balance, once the customer’s balance is £2,000 or over
- 3% AER on the entire balance, once the customer’s balance is £3,000 or over (up to £20,000)
- You are required to pay £2 a month (equates to 6p per day)
- Your overdraft fee will be 19.9% EAR plus an unauthorised fee of £1 per day.
- Get a cheque book and a Visa Debit card. You can use your Visa Debit card in shops wherever you see the Visa symbol and at virtually every cash machine in the UK and many worldwide. It also acts as a £100 cheque guarantee card
- Access to your money 24 hours a day 7 days a week through our e-banking service, 750+ branches, 24-hour telephone banking service, LINK cash machine network or even by post
- You must setup a minimum of 2 active direct debits
- You must deposit at least £500 per month
- This account is open to NEW and EXISTING Santander customers aged 18 and above (must be UK resident)
Natwest Select
- Free day-to-day banking without subscription charges
- Overdraft available subject to eligibility, giving your finances some breathing space
- Chequebook available subject to eligibility; handy when cash or cards aren't convenient
- Monthly statements with all your transactions and your balance - by post or online. Or pick up a mini-statement from our cash machines
The Co-operative Current Account Plus
- ***You must deposit at least £800 per month***
- Interest on all balances tracks at 0.5% below the Bank of England Base Rate, guaranteed for the life of your Current Account.
- UK call centres open 24/7, 365 days a year
- Fee-free £200 overdraft facility
- Dedicated switching service
Halifax Reward Current A/c
- Halifax will give you £5 each month you pay in £1,000, whether you're in credit or overdrawn.
- This account offers a flexible 0% Overdraft facility:
- - £1 per day - if you use an 'Arranged' overdraft up to and including £2,500
- - £2 per day - if you use an 'Arranged' overdraft up to and including £2,500
- - £5 per day - if you use an 'Un-Arranged' overdraft
- A Halifax Visa debit card
- Access to the extensive branch Network
- 24/7 Online Banking Access
- The Halifax Ultimate Reward Current Account (URCA) product has been awarded a Defaqto 5* award for the Mobile Phone Insurance aspect of its reward offering. - Defaqto are completely independent, ensuring an unbiased product view.
Barclays Bank Account
- A carbon neutral debit card (subject to status).
- Online Banking – do your banking from home (subject to registration).
- Telephone Banking – pay bills and more (subject to registration).
- A network of over 1,700 branches.
- Draw on cheques paid in before they clear (subject to status and limit).
- An overdraft: 19.3% interest per annum (variable).
- Representative Example: Up to £5,000 19.3% interest p.a. (variable)
- Subject to status and application. So the amount offered may be different to that shown on the example. Overdrafts are repayable on demand.
- Barclays £2,500 Personal Reserve Option:
- - One Reserve Usage Fee of £22 for each five consecutive working day period from the day you start using your Reserve.
- - No interest payments on your Reserve balance.
- - Representative Example: 0% interest per annum (variable). Reserve Limit £2,500. One reserve usage fee of £22 for each five consecutive working day period from the day you start using your reserve. Personal reserve is subject to status and application and repayable on demand.
- - The Reserve is repayable on demand. The maximum Reserve is £2500, subject to status.
- - One Returned Transaction Fee of £8 for each returned transaction where you exceed your Reserve.
- - One Guaranteed Transaction Fee of £8 for each guaranteed payment made where you exceed your Reserve.
RBS Select
- Free everyday banking - no monthly subscription charges.
- No arrangement or renewal fees - on overdrafts up to £15,000. And pay no interest on agreed overdrafts of up to £100.
- Save on your mortgage - use your Interest Paying Current Account balance to save money with our Offset Service.
- Easy access to your money - your debit card gives you access to almost every cash machine in the UK. You can also pay for goods and services wherever you see the logo shown on your card.
- Online banking - manage your money 24 hours a day, 365 days a year with our telephone and internet banking services. (Except for short periods of essential maintenance.)
- Overseas money - get money in local currency at cash machines and buy goods wherever you see the logo shown on your card.
- Statements - monthly statements list all transactions and your current balance. You can also get mini-statements from any cash machine.
Natwest Advantage Gold
- Pay £12.50 per month and get the following benefits:
- Green Flag car breakdown cover - even on your driveway
- Mobile phone insurance – including all smartphones
- Annual worldwide travel insurance - Members and their partners aged 70 years and over must pay an additional annual premium of £50
- Travel benefits – discounts on holidays, flights and hotels
Nationwide Current Account
- VISA debit card with every account
- Free travel insurance: multi-trip European cover worth up to £70* (conditions apply)
- Manage your account online with an excellent internet banking service.
- Three-month interest-free overdraft when you switch to FlexAccount
- Free day to day banking
- Voted Best Overall Online Provider 2009 by Your Money
Card One Banking Guaranteed Bank Account
- CardOneBanking offers the following:
- Guaranteed Acceptance
- Sortcode & Account Number
- Have your salary deposited into this account
- Pay money in at any Post Office or high street branch
- Prepaid MasterCard card
- Create Standing Orders but you can not set up Direct Debits with this account.
- 24 hour account management by Phone, Text and Online Banking
- Dedicated Account Manager
- NO OPENING FEE
- NO OVERDRAFT FACILITY – No risk of going overdrawn
- NO EXTRA CHARGES – No charges for bounced standing orders
- NO CREDIT CHECKS! – Guaranteed to be accepted, regardless of your past credit
- YOU must be 18+ and UK resident
- £12.50 monthly management fee
Think Money Guaranteed Bank Account
- Think Banking offers the following:
- Guaranteed Acceptance
- Sortcode & Account Number
- Have your salary deposited into this account
- Pay money in at any Post Office or high street branch
- Prepaid MasterCard card
- Create Standing Orders but you can not set up Direct Debits with this account.
- 24 hour account management by Phone, Text and Online Banking
- Dedicated Account Manager
- Opening fee of £25 (£30 for a joint account)
- NO OVERDRAFT FACILITY – No risk of going overdrawn
- NO EXTRA CHARGES – No charges for bounced standing orders
- NO CREDIT CHECKS! – Guaranteed to be accepted, regardless of your past credit
- YOU must be 18+ and UK resident
- £14.50 monthly management fee (£19.50 for joint account customers)
Latest Current Account News 
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Students looking for an extra cash incentive ahead of the summer could earn £50 by switching their student current account to Santander. ...Mon 16th Apr, 2012 -
The new Santander 123 Current Account launches on Monday 5th March, offering a rare and preferential combination of cashback and interest. ...Sat 3rd Mar, 2012 -
Changes to how personal current accounts operate will help millions of bank customers to manage their finances and deduce whether they are ...Mon 21st Nov, 2011 -
The Financial Services Authority (FSA) wants to tighten controls on accounts with monthly fees. Packaged bank accounts tend to include add-ons ...Mon 31st Oct, 2011 -
RBS and the Post Office have revealed an agreement that will allow people to withdraw cash more easily. RBS current account holders are set to ...Fri 23rd Sep, 2011 -
Santander has created a new bank account text alert service. Consumers with a Santander current account may benefit from a new service created by ...Mon 19th Sep, 2011
Compare Best Bank Accounts
Bank accounts provide consumers with a safe place to manage their static funds, as well as offering a range of features and benefits designed to make banking easy. The best bank account deals can usually be found online, as banks can minimise overheads through online applications.
Nowadays, most bank accounts are free to open and maintain, providing customers with a debit card giving instant access to funds via a number of different channels, including cash machines, retail outlets and shopping online in the UK and abroad.
You might wonder how banks can provide this service without making any profit. The answer is through cross-selling, making you aware of other financial products available from the bank, such as fixed term bonds, business credit cards, and loans, as well as interest paid on overdrafts.
At Which4u, we make it easy to compare accounts side-by-side to find the best bank account, that's right for you.
Nowadays, most bank accounts are free to open and maintain, providing customers with a debit card giving instant access to funds via a number of different channels, including cash machines, retail outlets and shopping online in the UK and abroad.
You might wonder how banks can provide this service without making any profit. The answer is through cross-selling, making you aware of other financial products available from the bank, such as fixed term bonds, business credit cards, and loans, as well as interest paid on overdrafts.
At Which4u, we make it easy to compare accounts side-by-side to find the best bank account, that's right for you.
