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This comparison simply includes all savings accounts.

NatWest
Select Current Account Natwest
Open With £0
Account Type Current Account
Features £100 to Switch and Another £50 to Stay

Why we like it: Fee Free Account. 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). No monthly fee. Defaqto 5* rated. Must be 18 or older and UK resident. Representative example: If you use an arranged overdraft of £1,200 you’ll be charged interest at 39.49% EAR variable. To get the £100, use the Current Account Switch Service to close your account held elsewhere and switch by 5pm on 2nd December 2021. Then pay in at least £1,500 in total and log into Online or Mobile Banking by 13th January 2022. To get a further £50 you have to make at least 10 eligible debit or credit transactions each month between 1st January 2022 and 30th September 2022. Offer T&Cs apply. Account eligibility criteria apply. Apply online only

NatWest
Reward Current Account Natwest
Open With £1250
Account Type Current Account
Features £100 to Switch and Another £50 to Stay

Why we like it: Earn £4 a month back in Rewards by making a minimum of 2 direct debit payments of at least £2 each, or earn £1 a month in rewards with 1 mobile app login. 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). 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. £2 monthly fee. Representative example: If you use an arranged overdraft of £1,200 you’ll be charged interest at 39.49% EAR variable. To get the £100, use the Current Account Switch Service to close your account held elsewhere and switch by 5pm on 2nd December 2021. Then pay in at least £1,500 in total and log into Online or Mobile Banking by 13th January 2022. To get a further £50 you have to make at least 10 eligible debit or credit transactions each month between 1st January 2022 and 30th September 2022. Offer T&Cs apply. Account eligibility criteria apply. Apply online only

Santander
Everyday Current Account Santander
Open With £1
Account Type Current Account
Features £130 Cashback when you Switch

Why we like it: No minimum monthly funding or monthly fee to maintain the account. Earn up to 15% cashback with Retailer Offers. 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. Bank is registered with the Financial Services Compensation Scheme (FSCS), so any money you keep will be fully protected, up to £85,000. £130 cashback when you complete a full switch to a Santander Everyday Current Account within 60 days, set up 2 Direct Debits, pay in £1,000 and log into Online or Mobile Banking. T&Cs apply.

First Direct
1st Account First Direct
Open With £1
Account Type Current Account
Features Get £100 when you Switch

Why we like it: SPECIAL OFFER - £100 for SWITCHING to a First Direct 1st Account. Access to Regular Saver Account paying 1.00% AER/Gross fixed for 12 months 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. Mobile banking app. UK based contact centre. To qualify, switch using the Current Account Switch Service, deposit £1000 within 3 months of account opening. New customers only that have not opened a HSBC account on or after 1 Jan 2018

HSBC
Advance Current Account HSBC
Open With £1750
Account Type Current Account
Features Get £110 when you Switch

Why we like it: SPECIAL OFFER - Get £110 + £30 Uber Eats voucher or The Dining Out Gift Card when you switch to an HSBC Advance Bank Account. Earn 1.00% AER/gross when you save between £25 and £250 per month. Arranged overdraft limit of at least £1,000 on account opening. Money banking app. No monthly account fee. Easy switching with the Current Account Switch Service. Must be 18 or older and be UK resident. Must pay in £1,750 per month or £10,500 over 6 months. Must be approved for an arranged overdraft of £1,000+. Get the £110 when switching to an HSBC Advance Account as a new customer using the Current Account Switch Service within 30 days of account opening, with at least 2 Direct Debits or standing orders. Eligibility criteria and T&C's apply. Offer may be withdrawn anytime. Offer isn’t available to customers who have held a HSBC current account, or opened a first direct account since 1 January 2018. Offer ends 31st October 2021

Santander
123 Current Account Santander
Open With £500
Account Type Current Account
Features £130 Cashback when you Switch

Why we like it: SPECIAL OFFER - £130 cashback when you switch to a Santander 123 Current Account. Earn 0.30% AER (variable) interest on balances up to a maximum of £20,000. Up to 3% cashback on household bills - 1% on council tax bills, Mobile and home phone bills, broadband and paid-for TV packages, and Santander monthly mortgage payments. 2% on Gas and electricity bills, Santander Home Insurance premiums and Santander Life Insurance premiums, and 3% on water bills. Monthly fee of £4. Cashback capped at £5 for each cashback tier each month. Must pay in £500 pm. Bank is registered with the Financial Services Compensation Scheme (FSCS), so any money you keep will be fully protected, up to £85,000. £130 cashback when you complete a full switch to a Santander 123 Current Account within 60 days, set up 2 Direct Debits, pay in £1,000 and log into Online or Mobile Banking. T&Cs apply.

Starling Bank
Mobile App Bank Account Starling Bank
Open With £0
Account Type Mobile Bank Account
Features Fee FREE Account Pays 0.05% AER

Why we like it: Free current account. Pays 0.05% AER interest on balances up to £85,000. Get set up in minutes. Send money abroad: Fast and secure money transfers to bank accounts in 38 countries worldwide. No fees when you pay with your card abroad or withdraw money. Get a spotlight on your spending: See what you’ve spent instantly with real-time payment notifications. 3 month interest holiday on the first £500 of an arranged overdraft. Best British Bank and Best Current Account in 2020 at the British Bank Awards. Awarded 5 stars by Defaqto. Bank is registered with the Financial Services Compensation Scheme (FSCS), so any money you keep will be fully protected, up to £85,000

Santander
123 Lite Current Account Santander
Open With £500
Account Type Current Account
Features £130 Cashback when you Switch

Why we like it: Up to 3% cashback on selected household bills, capped at £5 for each cashback tier each month. Earn up to 15% cashback with Retailer Offers. Easy to manage online or on mobile app. Get access to a range of 123 offers. Arranged Overdraft facility (subject to status) - 39.94% APR / EAR (variable). Must be 18 or older and UK resident. Customers must pay a minimum of £500 into account each month, have 2 active Direct Debits, log onto Online or Mobile Banking at least once every 3 months. Must not currently hold 2 Reward accounts. £2 monthly fee. £130 cashback when you complete a full switch to a Santander 1|2|3 Lite Current Account within 60 days, set up 2 Direct Debits, pay in £1,000 and log into Online or Mobile Banking. T&Cs apply

Santander
123 Mini Current Account Santander
Open With £0
Account Type Childrens Current Account
Features Children 17 or under 3% AER Interest (T&Cs)

Why we like it: Can be opened by or on behalf of any child up to the age of 17. Debit or cash card available for those aged between 13 and 17. Monthly interest. No monthly fee. For children under age 13, the account must be opened in trust and managed by an adult (trustee). If you’re aged between 13 and 17 years old and live permanently in the UK you can apply online by telephone or in branch. No overdraft facility. 1% interest on the entire balance once the balance is £100, 2.00% AER/1.98% gross (variable) on the entire balance once the balance is £1,500, 3.00% AER/2.96% gross (variable) on the entire balance once the balance is £1,500 or over (up to a maximum of £2,000). Bank is registered with the Financial Services Compensation Scheme (FSCS), so any money you keep will be fully protected, up to £85,000

Cashplus
Personal Current Account Cashplus
Open With £0
Account Type Current Account
Features No Credit Checks Online App

Why we like it: A bank account that can build credit history. No credit check during sign up. Apply straight from your mobile. Instant online decision. Get your Contactless Debit Mastercard within 3-5 working days. Add Creditbuilder onto your account and it could help build your credit rating at no extra cost. Deposit cash into your account at any Post Office UK branch. Money is available in your account immediately. Manage your account 24/7 from any device with the banking app - get real time balance information, statements, add payees send payments and apply for extras. Automatic payment alerts. UK based Customer Services Team. Your money is protected up to £85,000 by the FSCS (Financial Services Compensation Scheme)

NatWest
Reward Current Account Natwest
Open With £1250
Account Type Current Account
Features Earn Up to £5 in Rewards a month

Why we like it: Earn £4 a month back in Rewards by making a minimum of 2 direct debit payments of at least £2 each. Plus earn an extra £1 a month in rewards with 1 mobile app login. 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). 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. £2 monthly fee. Representative example: If you use an arranged overdraft of £1,200 you’ll be charged interest at 39.49% EAR variable

NatWest
Select Current Account Natwest
Open With £0
Account Type Current Account
Features Fee FREE Everyday Account

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). No monthly fee. Defaqto 5* rated. Must be 18 or older and UK resident. Representative example: If you use an arranged overdraft of £1,200 you’ll be charged interest at 39.49% EAR variable

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Compare Halifax Current Accounts

Halifax Current Accounts have some great features. They offer a £100 switching bonus (subject to conditions) paid into your account before your switch is complete. Most accounts with cash incentives will make you wait up to a few months before paying the money in to your account.

There is also the bonus of monthly rewards if you qualify for their Reward Current Account. You can also earn as you spend with their cashback extras once you have activated your offers in Online and Mobile Banking.

Halifax Provide, as standard:

  • Easy access to your account with 24 hour Online, Mobile and Telephone Banking. And access to any of our branches.
  • A VISA debit card with contactless payments.
  • £10 overdraft buffer, so you won’t get any daily overdraft fees if you are in debit by £10 or less.
  • Access to Control - For £10 a month, you can add this feature to help you by stopping your account from going into an unplanned overdraft.

Rewards Options:

If you are able to pay £750 or more in to your account, pay out at least two different Direct Debits and stay in credit each month, you could earn £5 each month with their Reward Current Account.

Also, if in any month you miss out on the £3 reward, you can still have it in future months too, when you are able to meet the qualifying requirements.

Combine this option with the Switch Reward and you could earn £136 in a year. This is one of the few accounts that pay both a switching bonus and an ongoing reward. 

They also offer the Ultimate Reward Current Account at £15 a month which can be lowered to £10 if you meet certain requirements which include:

  • Paying in £750 or more every month
  • Having two Direct Debits going out of the account 
  • Not going overdrawn during the month

For this extra fee you gain access to several insurance benefits such as: worldwide travel insurance, mobile phone insurance, home emergency cover, and AA breakdown cover. A great way to save if you currently take out these policies.

Other Useful Information

  • You won't be able to get the bonus if you have received any incentive for switching to Halifax since January 2012, or if you are switching from a Bank of Scotland account.
  • Halifax shares its £75,000 UK savings safety guarantee with the rest of the HBOS group, so keep this in mind if you intend to hold more than £75,000 across the group
  • To qualify for the £100 switching offer you must use the ‘Current Account Switch Service’ and meet the following conditions:
    • Use the 'Current Account Switch Service' to switch into a new or existing, Reward Current Account, Ultimate Reward Current Account (£15 monthly fee) or Halifax Current Account
    • Use the ‘Current Account Switch Service’ to transfer all the active credits and debits from the bank account that you hold with another bank and close this account. You'll get the bonus within three working days once your switch has completed.

While the £10 overdraft buffer and Access to Control will help stop any unwanted bank charges, the fees for the Halifax Current Account can quickly add up.

The fees at the moment are:

  • A planned overdraft up to and including £1,999.99 - £1 a day
  • A planned overdraft of between £2,000 and £2,999.99 - £2 a day
  • A planned overdraft of £3,000 and over - £3 a day
  • An unplanned overdraft - £5 a day or £1 a day with Control

Latest news

Top 3 picks for current accounts in 2021

Over 5.1 million UK bank and building society customers have switched their bank accounts using the free (and guaranteed) current account switching service which simplifies the process for customers. Read More »

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Simplysavingsaccounts.co.uk is a trading style of Fair Investment Company Ltd.

We've been comparing savings and current accounts for many years so you can trust you're in good hands.