This comparison simply includes all savings accounts.
Premier Bank Accounts
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: 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: £175 cash to switch and earn cashback every month on selected household bills and essential spend*. 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. *Switch incentive available when you use Current Account Switch Service. For £175 cash you'll have to complete a full switch to a Santander Edge current account, set up 2 active Direct Debits and pay in £1,500 within 60 days. T&Cs apply
