Bank Accounts

Why we like it: No minimum monthly funding or monthly fee to maintain the account. Get cashback, vouchers, prize draws and other offers personalised to you when you use Santander Boosts (you must have a personal Santander debit or credit card, be 18 years or over and be registered for Online and Mobile Banking). Stress-free account switching in 7 days with the Current Account Switch Service. £300 ATM withdrawal per day, Arranged Overdraft facility (subject to status). Online and Mobile Banking with text and email alerts. Must be 18 or older and live in the UK permanently. 39.94% EAR overdraft charge.

Why we like it: Get access to a 7% AER/gross fixed for 12 months Regular Saver Account if saving between £25 and £300 a month (up to £3,600 per year). £250 interest-free overdraft (subject to status). No minimum monthly funding and no monthly account fee. No first direct fees for when spending abroad, withdrawing cash from the UK or when making a debit card payment in a foreign currency in the UK. Mobile banking app. UK based contact centre

Why we like it: An everyday current account. Great money management tools with our mobile banking app. ‘Criteria Apply’. Multiple ways to pay: Apple Pay, Google Pay™ and Contactless Visa Debit Card. Limits apply. Arranged overdraft available (subject to eligibility and lending criteria). No monthly fee. Defaqto 5* rated. Must be 18 or older and UK resident. Representative example: Effective Annual Rate: 39.49% EAR (variable). Representative APR: 39.49% (variable). Assumed credit limit: £1,200. The monthly cap on unarranged overdraft charges for our standard adult current accounts is £18.80. What’s the cost of borrowing of £500: Zero days (you’ve not yet used your overdraft) - you’d pay in total £0.00. One day - you’d pay in total £0.46. Five days - you’d pay in total £2.31. Seven days - you’d pay in total £3.24. Thirty days – you’d pay in total £13.87

Why we like it: An everyday current account. Great money management tools with our mobile banking app. ‘Criteria Apply’. Multiple ways to pay: Apple Pay, Google Pay™ and Contactless Visa Debit Card. Limits apply. Arranged overdraft available (subject to eligibility and lending criteria). No monthly fee. Defaqto 5* rated. Must be 18 or older and UK resident. Representative example: Effective Annual Rate: 39.49% EAR (variable). Representative APR: 39.49% (variable). Assumed credit limit: £1,200. The monthly cap on unarranged overdraft charges for our standard adult current accounts is £18.80. What’s the cost of borrowing of £500: Zero days (you’ve not yet used your overdraft) - you’d pay in total £0.00. One day - you’d pay in total £0.46. Five days - you’d pay in total £2.31. Seven days - you’d pay in total £3.24. Thirty days – you’d pay in total £13.87

Why we like it: 5.00% AER fixed (4.89% gross pa) in-credit interest on balances up to £1,500 for the first 12 months. No monthly account fee. Interest-free arranged overdraft for 12 months. Access to mobile banking secure app. Manage all your Nationwide accounts in one place. View and search your transactions. Freeze and unfreeze your Visa Debit card. Report your card lost or stolen and order a new card. Manage your account online, by phone or in branch. Access to other Nationwide products by becoming a member of Nationwide. Current account members get access to exclusive savings accounts Must be 18 or older and a UK resident. Must pay a minimum of £1,000 into the account each month, from an external source (i.e. not another Nationwide account). After the first 12 months, interest rate drops to 1% AER (0.99% gross a year) variable. After 12 months, an interest rate of 39.9% a year compounded (variable) will apply to your arranged overdraft.

Why we like it: Earn 1% cashback every month on selected household bills paid by Direct Debit, capped at up to £10 each month and 1% cashback every month on supermarket and travel spend when you use your debit card, capped at £10 each month. Access to Santander Edge Saver with 7.00% AER / 6.78% gross (variable) interest up to £4,000 with 2.50% AER / 2.47% gross (variable) bonus rate for the 12 months from opening. Get cashback, vouchers, prize draws and other personalised offers when you use Santander Boosts (must have a personal Santander debit or credit card, be 18 years or over and be registered for Online and Mobile Banking). No fees or charges for international payments or CHAPS payments. Arranged overdraft interest rate of 39.94% APR/EAR (variable). For cashback offer you must pay a minimum of £500 into your account each month, have 2 active Direct Debits, be over 18 and live in the UK permanently. Paper-free account. £3 monthly fee

Why we like it: Earn up to £5 per month back: £4 in Rewards for 2 or more Direct Debits (2 of the Direct Debits need to be +£2 each) and £1 with 1 mobile app log in. £2 monthly fee applies. Earn Rewards that you can redeem as cash back, gift cards or e-codes with our retail partners. Great money management tools with our mobile banking app. ‘Criteria Apply’. Arranged overdraft available (subject to eligibility and lending criteria). Multiple ways to pay: Apple Pay, Google Pay™ and Contactless Visa Debit. Must be 18 or older and UK resident. Customers need to pay at least £1,250 into any eligible personal current account every month (excludes transfers between your own accounts). Must not currently hold 2 Reward accounts. Representative example: Effective Annual Rate: 39.49% EAR (variable). Representative APR: 39.49% (variable). Assumed credit limit:  £1,200. The monthly cap on unarranged overdraft charges for our standard adult current accounts is £18.80. What’s the cost of borrowing of £500: Zero days (you’ve not yet used your overdraft) - you’d pay in total £0.00. One day - you’d pay in total £0.46. Five days - you’d pay in total £2.31. Seven days - you’d pay in total £3.24. Thirty days – you’d pay in total £13.87

Why we like it: Earn up to £5 per month back: £4 in Rewards for 2 or more Direct Debits (2 of the Direct Debits need to be +£2 each) and £1 with 1 mobile app log in. £2 monthly fee applies. Earn Rewards that you can redeem as cash back, gift cards or e-codes with our retail partners. Great money management tools with our mobile banking app. ‘Criteria Apply’. Arranged overdraft available (subject to eligibility and lending criteria). Multiple ways to pay: Apple Pay, Google Pay™ and Contactless Visa Debit. Must be 18 or older and UK resident. Customers need to pay at least £1,250 into any eligible personal current account every month (excludes transfers between your own accounts). Must not currently hold 2 Reward accounts. Representative example: Effective Annual Rate: 39.49% EAR (variable). Representative APR: 39.49% (variable). Assumed credit limit:  £1,200. The monthly cap on unarranged overdraft charges for our standard adult current accounts is £18.80. What’s the cost of borrowing of £500: Zero days (you’ve not yet used your overdraft) - you’d pay in total £0.00. One day - you’d pay in total £0.46. Five days - you’d pay in total £2.31. Seven days - you’d pay in total £3.24. Thirty days – you’d pay in total £13.87

Why we like it: 3.50% AER/3.45% gross (variable) on balances up to £25,000. 1% cashback (up to £15 a month) on selected household bills when you pay by Direct Debit. 1% cashback (up to £15 a month) at supermarkets and on travel costs when you use your debit card (exclusions apply). Make international payments with no extra fees (the bank receiving the payment may still apply charges). There's also no charge for making CHAPS payments from this account. No fees for using Santander Edge Up debit card to withdraw cash and make payments outside the UK in the local currency. Get cashback, vouchers, prize draws and personalised offers with Santander Boosts , free rewards service. Online and Mobile Banking available with text and email alerts. Must be 18 or older and live in the UK permanently. £5 monthly fee for maintaining the account that will automatically be taken from the account each month. Must pay a minimum of £1,500 into the account each month. Must have 2 active Direct Debits. Arranged overdraft facility (subject to status). If you use an arranged overdraft you’ll be charged an interest rate of 39.94% APR / EAR (variable). Online and Mobile Banking available with text and email alerts

Why we like it: Everyday current account. No monthly account fee. Access to mobile banking secure app. Manage all your Nationwide accounts in one place. View and search your transactions. Freeze and unfreeze your Visa Debit card. Report your card lost or stolen and order a new card. Access to other Nationwide products by becoming a member of Nationwide. Current account members get access to exclusive savings accounts. Must be 18 or older and a UK resident. 0% interest on any balance. 39.9% EAR overdraft charge.

Why we like it: Earn 1% cashback on your everyday debit card including contactless spending. Available for your first 12 months for new customers. Max £15 per month. Cashback exceptions apply. Access to a Chase saver account paying 4.1% AER (4.02% gross) variable. Interest earned daily and paid monthly. Easy access to your money with no minimum opening balance. 5% interest on a round up account- choose to round up your spending to the nearest £1 and you'll get 5% AER (4.89% gross) variable interest on your round up account, paid monthly. Zero fees from Chase when you use your Chase debit card, both at home and away. No ATM fees applied by Chase. Open extra current accounts in seconds, for free. Use them to spend from, pay bills with Direct Debits, budget, and set aside money in the way that works best for you. Must be 18+, be a UK resident and have a smart phone and UK mobile number. No account opening fees and no monthly fee. No minimum monthly funding. In-app card control - you decide how and where your card works. You can stop it from making contactless or gambling payments, from working abroad, or from making cash withdrawals. Numberless card - your card details are stored in the app, so no one can see them but you. 24/7 customer support- either over the phone or by in app messaging

Why we like it: Vehicle breakdown cover in the UK and the rest of Europe. Whether you’re driving or a passenger in a vehicle, you’re covered by the AA. With no excess to pay and unlimited callouts. Travel insurance for your family, worldwide. Worldwide family travel insurance, including winter sports, golf, weddings and business cover from U K Insurance Limited. Mobile phone insurance for the whole family. Your phone and those belonging to your partner and dependent children are covered for loss, theft, damage and faults by Lifestyle Services Group Limited. Access to mobile banking secure app. Manage all your Nationwide accounts in one place. View and search your transactions. Freeze and unfreeze your Visa Debit card. Report your card lost or stolen and order a new card. Access to other Nationwide products by becoming a member of Nationwide. Current account members get access to exclusive savings accounts. Must be 18 or older and a UK resident. £13 monthly account fee. 39.9% EAR overdraft charge.