New Current Accounts

This comparison simply includes all savings accounts.

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 or Reward account and open a Digital Regular Saver. 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: Apply Pay and Google Pay TM and contactless Visa Debit Card. Limits apply. Access to Digital Regular Saver – deposit £ 1 - £150 pm. 5.50% / 5.37% AER/Gross p.a. (variable) on first £5k. 1.15% / 1.14% AER/Gross p.a (variable) above £5k. Arranged overdraft available (subject to eligibility and lending criteria). Representative Example: Effective Annual Rate: 39.49% EAR (variable). Representative APR: 39.49% APR (variable). Assumed credit limit: £1,200. How does our overdraft compare? A good way to compare the costs of borrowing products is by using the APR, which shows the cost of borrowing over a year. The monthly cap on unarranged overdraft charges for our standard adult current accounts is £18.80. What’s the cost of borrowing £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. Offer T&Cs: For £125 use the Current Account Switch Service to close your current account held elsewhere and switch to NatWest. Pay in at least £1250 and log into the NatWest app within 60 days. For an additional £50, open a new Digital Regular Saver account within 60 days of switching. If you’ve previously received a switching incentive from NatWest Group you aren’t eligible. Limited availability offers. T&Cs and restrictions apply. Specific account eligibility criteria and 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 or Reward account and open a Digital Regular Saver. 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: Apply Pay and Google Pay TM and contactless Visa Debit Card. Limits apply. Access to Digital Regular Saver – deposit £ 1 - £150 pm. 5.50% / 5.37% AER/Gross p.a. (variable) on first £5k. 1.15% / 1.14% AER/Gross p.a (variable) above £5k. Arranged overdraft available (subject to eligibility and lending criteria). Representative Example: Effective Annual Rate: 39.49% EAR (variable). Representative APR: 39.49% APR (variable). Assumed credit limit: £1,200. How does our overdraft compare? A good way to compare the costs of borrowing products is by using the APR, which shows the cost of borrowing over a year. The monthly cap on unarranged overdraft charges for our standard adult current accounts is £18.80. What’s the cost of borrowing £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. Offer T&Cs: For £125 use the Current Account Switch Service to close your current account held elsewhere and switch to Royal Bank of Scotland. Pay in at least £1250 and log into the Royal Bank of Scotland app within 60 days. For an additional £50, open a new Digital Regular Saver account within 60 days of switching. If you’ve previously received a switching incentive from NatWest Group you aren’t eligible. Limited availability offers. T&Cs and restrictions apply. Specific account eligibility criteria and conditions apply.

Details

Type of Account	Everyday
Minimum Age	18
UK Resident	Yes

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

Everyday Current Account Santander

Open With £1

Account Type Current Account

Features Fee FREE Account every day banking needs

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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. 39.94% EAR overdraft charge. *Switch incentive available when you use Current Account Switch Service. For £180 cash you'll have to complete the full switch, set up 2 active household Direct Debits and pay in £1,500 within 60 days. T&Cs 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 Select or Reward account and open a Digital Regular Saver. 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). Must not currently hold a Reward account. 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: Apply Pay and Google Pay TM and contactless Visa Debit Card. Limits apply. Access to Digital Regular Saver – deposit £ 1 - £150 pm. 5.50% / 5.37% AER/Gross p.a. (variable) on first £5k. 1.15% / 1.14% AER/Gross p.a (variable) above £5k. Arranged overdraft available (subject to eligibility and lending criteria). Representative Example: Effective Annual Rate: 39.49% EAR (variable). Representative APR: 39.49% APR (variable). Assumed credit limit: £1,200. How does our overdraft compare? A good way to compare the costs of borrowing products is by using the APR, which shows the cost of borrowing over a year. The monthly cap on unarranged overdraft charges for our standard adult current accounts is £18.80. What’s the cost of borrowing £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. Offer T&Cs: For £125 use the Current Account Switch Service to close your current account held elsewhere and switch to NatWest. Pay in at least £1250 and log into the NatWest app within 60 days. For an additional £50, open a new Digital Regular Saver account within 60 days of switching. If you’ve previously received a switching incentive from NatWest Group you aren’t eligible. Limited availability offers. T&Cs and restrictions apply. Specific account eligibility criteria and conditions apply.

Details

Type of Account	Reward
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 when you switch to an Edge Current 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 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 6.00% AER / 5.84% gross (variable) interest up to £4,000 with 2.00% AER /1.98% 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. *Switch incentive available when you use Current Account Switch Service. For £180 cash you'll have to complete the full switch, set up 2 active household Direct Debits and pay in £1,500 within 60 days. T&Cs apply

Details

Type of Account	Interest Paying
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*

View deal

£175 when you switch to a Royal Bank of Scotland Select or Reward account and open a Digital Regular Saver. 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). Must not currently hold a Reward account. 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: Apply Pay and Google Pay TM and contactless Visa Debit Card. Limits apply. Access to Digital Regular Saver – deposit £ 1 - £150 pm. 5.50% / 5.37% AER/Gross p.a. (variable) on first £5k. 1.15% / 1.14% AER/Gross p.a (variable) above £5k. Arranged overdraft available (subject to eligibility and lending criteria). Representative Example: Effective Annual Rate: 39.49% EAR (variable). Representative APR: 39.49% APR (variable). Assumed credit limit: £1,200. How does our overdraft compare? A good way to compare the costs of borrowing products is by using the APR, which shows the cost of borrowing over a year. The monthly cap on unarranged overdraft charges for our standard adult current accounts is £18.80. What’s the cost of borrowing £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. Offer T&Cs: For £125 use the Current Account Switch Service to close your current account held elsewhere and switch to Royal Bank of Scotland. Pay in at least £1250 and log into the Royal Bank of Scotland app within 60 days. For an additional £50, open a new Digital Regular Saver account within 60 days of switching. If you’ve previously received a switching incentive from NatWest Group you aren’t eligible. Limited availability offers. T&Cs and restrictions apply. Specific account eligibility criteria and conditions apply.

Details

Type of Account	Reward
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 when you switch to an Edge Up Current Account*

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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. 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. £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. *Switch incentive available when you use Current Account Switch Service. For £180 cash you'll have to complete the full switch, set up 2 active household Direct Debits and pay in £1,500 within 60 days. T&Cs apply

Details

Type of Account	Interest Paying
Minimum Age	18
UK Resident	Yes

FlexDirect Current Account Nationwide

Open With £1000

Account Type Current Account

Features 5% Interest AER on balances up to £1,500 Up to £60 cashback on debit card purchases for 12 months

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£200 current account switch offer for Nationwide members

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. Up to £60 cashback on debit card purchases for 12 months- Earn 1% monthly cashback (up to £5 a month) when you spend on your debit card - whether online, over the phone or in store. 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 and by app. Access to other Nationwide products by becoming a member of Nationwide. Current account members get access to exclusive savings accounts. 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 on balances over £50

Details

Type of Account	Interest Paying
Minimum Age	18
UK Resident	Yes

FlexAccount Current Account Nationwide

Open With £1

Account Type Current Account

Features Everyday current account with no monthly fee

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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. 0% interest on any balance. £50 interest-free on an arranged overdraft. 39.9% EAR overdraft charge on balances over £50

Details

Type of Account	Everyday
Minimum Age	18
UK Resident	Yes

FlexPlus Current Account Nationwide

Open With £1

Account Type Current Account

Features Breakdown, Travel and Mobile Phone Insurance Included

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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 for trips up to 31 days. Worldwide family travel insurance, including winter sports, travel disruptions and more from Aviva Insurance. 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 Assurant. 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. £18 monthly account fee. £50 interest-free on an arranged overdraft. 39.9% EAR overdraft charge on balances over £50

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

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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