New Current Accounts

This comparison simply includes all savings accounts.

1st Account first direct

Open With £1

Account Type Current Account

Features £175 welcome bonus when you switch

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SPECIAL OFFER - Switch to a 1st Account and get £175*. Requires credit check. New customers only and T&Cs apply.

Why we like it

Get access to a Regular Saver Account - Put away between £25 and £300 for a fixed 12 month term. If you save £300 every month for 12 months and qualify for the 7.00% AER/gross p.a. interest rate, you'll earn approximately £136.50 interest (gross). Interest is calculated daily and paid 12 months after you opened the account. AER stands for Annual Equivalent Rate. This shows you what the rate would be if interest were paid and compounded each year. Gross is the rate of interest if interest were paid and not compounded each year. No partial withdrawals allowed. Early closure will result in interest being paid at the standard account variable rate. £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. Representative Example: How does our overdraft compare? The representative APR shows the cost of borrowing over a year, so you can use it to compare the cost of our overdraft against other overdrafts and ways of borrowing. 0% EAR variable on the first £250, 39.9% EAR variable thereafter, giving a representative rate of 30.5% APR variable (assumed arranged overdraft £1,200). For customers with an offset mortgage linked to a 1st Account, the interest-free limit will not apply. *Within 45 days of your account opening you need to: switch to first direct using the Current Account Switch Service (including at least 2 Direct Debits or standing orders), deposit £1,000, make 5+ debit card payments, and log on to digital banking. New customers only, who haven’t previously held a first direct product. first direct also can’t offer this to people who have opened an HSBC current account on or after 1 January 2018. Offer can be withdrawn at any time. Subject to status. UK residents only

Details

Type of Account	Interest Paying
Minimum Age	18
UK Resident	Yes

Select Account NatWest

Open With £0

Account Type Current Account

Features £175 Switch Offer T&Cs Apply*

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£175 when you switch to a NatWest Select account . T&Cs apply, limited availability offer

Why we like it

An everyday current account. To apply you need to be 18+ and a UK resident. No monthly fee. Great money management tools with our mobile banking app. Multiple ways to pay: Apple Pay and Google Pay TM and contactless Visa Debit Card. Limits apply. Access to Digital Regular Saver - Earn 5.50% AER / 5.37% Gross p.a. (variable) on 1st £5k, 1.06% AER / 1.05% Gross p.a. (variable) above £5k. Assumed arranged overdraft of £1,200, 39.49% variable p.a. representative 39.49% APR variable. To apply, you need to be 18+ and a UK resident. For £175, use the Current Account Switch Service to switch your account held elsewhere to NatWest. Pay in £1,250 & log into the app within 60 days. If you've received a switching incentive from NatWest Group before, you aren't eligible. Limited availability offer. T&Cs, restrictions, account eligibility criteria & conditions apply.

Details

Type of Account	Everyday
Minimum Age	18
UK Resident	Yes

Select Account Royal Bank of Scotland

Open With £0

Account Type Current Account

Features £175 Switch Offer T&Cs Apply*

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£175 when you switch to a Royal Bank of Scotland Select account . T&Cs apply, limited availability offer

Why we like it

An everyday current account. To apply you need to be 18+ and a UK resident. No monthly fee. Great money management tools with our mobile banking app. Multiple ways to pay: Apple Pay and Google Pay TM and contactless Visa Debit Card. Limits apply. Access to Digital Regular Saver - Earn 5.50% AER / 5.37% Gross p.a. (variable) on 1st £5k, 1.06% AER / 1.05% Gross p.a. (variable) above £5k. Assumed arranged overdraft of £1,200, 39.49% variable p.a. representative 39.49% APR variable. To apply, you need to be 18+ and a UK resident. For £175, use the Current Account Switch Service to switch your account held elsewhere to Royal Bank of Scotland. Pay in £1,250 & log into the app within 60 days. If you've received a switching incentive from NatWest Group before, you aren't eligible. Limited availability offer. T&Cs, restrictions, account eligibility criteria & conditions apply.

Details

Type of Account	Everyday
Minimum Age	18
UK Resident	Yes

Reward Account NatWest

Open With £1250

Account Type Current Account

Features £175 Switch Offer T&Cs Apply*

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£175 when you switch to a NatWest Reward account . T&Cs apply, limited availability offer

Why we like it

Must be 18 or older and a UK resident. £2 monthly fee applies. Customers need to pay at least £1250 into any eligible personal current account every month (excludes transfers between your own accounts.) 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. Earn Rewards that you can redeem as cash back, gift cards or e-codes with our retail partners or gift to selected charities. Great money management tools with our mobile banking app. Multiple ways to pay: Apple Pay and Google Pay TM and contactless Visa Debit Card. Limits apply. Access to Digital Regular Saver - Earn 5.50% AER / 5.37% Gross p.a. (variable) on 1st £5k, 1.06% AER / 1.05% Gross p.a. (variable) above £5k. Assumed arranged overdraft of £1,200, 39.49% variable p.a. representative 39.49% APR variable. To apply, you need to be 18+ and a UK resident. For £175, use the Current Account Switch Service to switch your account held elsewhere to NatWest. Pay in £1,250 & log into the app within 60 days. If you've received a switching incentive from NatWest Group before, you aren't eligible. Limited availability offer. T&Cs, restrictions, account eligibility criteria & conditions apply.

Details

Type of Account	Reward
Minimum Age	18
UK Resident	Yes

Reward Account Royal Bank of Scotland

Open With £1250

Account Type Current Account

Features £175 Switch Offer T&Cs Apply*

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£175 when you switch to a Royal Bank of Scotland Reward account . T&Cs apply, limited availability offer

Why we like it

Must be 18 or older and a UK resident. £2 monthly fee applies. Customers need to pay at least £1250 into any eligible personal current account every month (excludes transfers between your own accounts.) 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. Earn Rewards that you can redeem as cash back, gift cards or e-codes with our retail partners or gift to selected charities. Great money management tools with our mobile banking app. Multiple ways to pay: Apple Pay and Google Pay TM and contactless Visa Debit Card. Limits apply. Access to Digital Regular Saver - Earn 5.50% AER / 5.37% Gross p.a. (variable) on 1st £5k, 1.06% AER / 1.05% Gross p.a. (variable) above £5k. Assumed arranged overdraft of £1,200, 39.49% variable p.a. representative 39.49% APR variable. To apply, you need to be 18+ and a UK resident. For £175, use the Current Account Switch Service to switch your account held elsewhere to Royal Bank of Scotland. Pay in £1,250 & log into the app within 60 days. If you've received a switching incentive from NatWest Group before, you aren't eligible. Limited availability offer. T&Cs, restrictions, account eligibility criteria & conditions apply.

Details

Type of Account	Reward
Minimum Age	18
UK Resident	Yes

Everyday Current Account Santander

Open With £1

Account Type Current Account

Features Fee FREE Everyday Account with access to 5.00% AER Regular Saver Account for 12 months

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Why we like it

No minimum monthly funding or monthly fee to maintain the account. Access to Santander Regular Saver with 5.00% AER/Gross (fixed) for 12 months. Save up to £200 per month. 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. 39.94% EAR overdraft charge.

Details

Type of Account	Everyday
Minimum Age	18
UK Resident	Yes

Edge Current Account Santander

Open With £500

Account Type Current Account

Features Get 1% Cashback on selected houshold bills and access to a 6.00% AER saver account

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Why we like it

Earn 1% cashback every month on selected household bills paid by Direct Debit, capped at up to £10 each month. Access to Santander Edge saver with 6.00% AER/ 5.84% Gross (variable) interests on balances up to £4000 (includes 2.50% AER/ 2.47% Gross (variable) bonus rates for the first 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.

Details

Type of Account	Interest Paying
Minimum Age	18
UK Resident	Yes

Edge Up Current Account Santander

Open With £1500

Account Type Current Account

Features 2.50% AER Interest on balances up to £25,000 and get 1% Cashback on selected houshold bills

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Why we like it

2.50% AER/2.47% 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. Access to Santander Regular Saver with 5.00% AER/Gross (fixed) for 12 months. Save up to £200 per month. 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. £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.

Details

Type of Account	Interest Paying
Minimum Age	18
UK Resident	Yes

Edge Explorer Current Account Santander

Open With £0

Account Type Current Account

Features Earn cashback, worldwide travel insurance, breakdown cover and phone insurance, plus access to 6% AER savings account

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Why we like it

1% cashback on selected household bills (up to £10 a month). Plus 1% cashback at supermarkets and on travel costs (up to £10 a month). Worldwide travel insurance (excluding Cuba) for you and your family including winter sports. 24/7 remote access to a GP in the UK for you and your family. UK and European breakdown cover - whether you're the driver or passenger. Mobile phone insurance - cover for you and your family. Access to Santander Edge® Saver with 6.00% AER / 5.84% gross (variable) interest on balances up to £4,000 (includes 2.00% AER / 1.98% gross (variable) bonus rate for the first 12 months from opening). International payments with no extra fees (the bank receiving the payment might still apply charges). No charge for making CHAPS payments from this account. No Santander fees for using your Santander Edge® Explorer debit card to withdraw cash and make payments outside the UK in the local currency. Get cashback, vouchers, prize draws, and other offers personalised for you with 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). 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). £17 monthly fee. To open an account, you must be 18-73 years old and live in the UK permanently. If it's a joint account, you must both live at the same UK address. Once you're 75 years old, you are no longer eligible for the travel insurance benefits. You can only have 1 Santander Edge® Explorer account at a time.

Details

Type of Account	Reward
Minimum Age	18
UK Resident	Yes

Personal Account Suits Me

Open With £0

Account Type Current Account

Features Apply without a credit check or proof of address

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Why we like it

An alternative banking solution, offering banking services to people who find it hard to open a regular bank account because of their low credit score. Open an account in 10 minutes without a credit check or proof of address. Get your contactless Mastercard® debit card in 3-5 working days. Choose from three account options: ‘Essential’, ‘Premium’ and ‘Premium Plus'. You can manage your account on the go using the online banking app. Make transfer payments from your e-money account whenever, wherever. You can also set up and manage your Direct Debits and Standing Orders. Get access to exclusive partner deals. Shop and earn with your Suits Me card in-store, online or over the phone you can earn cashback rewards, with no limit. Access to a dedicated Customer Account Manager so you have someone who understands your account and your needs. Your money is protected up to £85,000 by the FSCS. Monthly account fee ranges from free to £9.97 depending on account chosen. Refer your friends to apply and use their Suits Me card, and earn £50 per friend. No limit on the number of friends you refer

Details

Type of Account	Adverse Credit
Minimum Age	18
UK Resident	Yes

123 Mini Current Account Santander

Open With £0

Account Type Childrens Current Account

Features Children 17 or under 3% AER Interest (T&Cs)

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Why we like it

Children's current account. Can be opened by or on behalf of any child up to the age of 17. 1% interest on the entire balance once the balance up to £999.99. 2.00% AER/1.98% gross (variable) on the entire balance once the balance is £1,000 to £1,499.99. 3.00% AER/2.96% gross (variable) on the entire balance once the balance is £1,500 to £2,000. 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) T&C's apply. 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

Details

Type of Account	Child Bank AccountAccount
Minimum Age	17
UK Resident	Yes

Edge Student Current Account Santander

Funding required (each academic term) £500

Account Type Student Bank Account

Features Free 4-year Railcard worth £100

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Why we like it

A free 4-year Santander 16-25 Railcard worth £100 plus a total average saving of £768 (average saving of £192 per year). An interest-free and fee-free Arranged Overdraft, up to £1,500 in years 1-3, then up to £2,000 if you stay on to year 5 (Subject to status). 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). No monthly account fee. Must be studying or are about to begin an undergraduate course that is at least 2 years in length, or level 4 to 7 apprenticeship. If you’re about to begin your course, you must have an ‘unconditional’ or ‘confirmed conditional’ offer (i.e. you have your exam results) before you apply. You must pay in at least £500 every 4 months and must not already have an existing Santander current account. If you do, you’ll need to transfer it

Details

Type of Account	Student
Minimum Age	18
UK Resident	Yes

New Current Accounts

New accounts appear often as banks try and attract new customers.

New Current Accounts

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New Current Accounts

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