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Switching current account to Clydesdale Bank
Why we like it: Discounts available when you shop at certain major high street stores and supermarkets, as well as some holidays, cinema, concert tickets and events. All year round family travel insurance, UK breakdown cover, mobile phone and gadget insurance
Why we like it: All year round travel insurance , UK breakdown cover, mobile phone and gadget insurance, and certain discounts available to account holders for some major stores and supermarkets, cinema tickets, holidays, events and concerts.
Why we like it: INNOVATIVE NEW BANKING SERVICE powered by Clydesdale and Yorkshire Banks. Get your current account and instant access savings account working together. Earn 0.50% AER on ALL instant access credit balances and 0.25% AER on current account balances up to £2,000. Fee free
Why we like it: BEST SELLING CASHBACK CURRENT ACCOUNT. Earn 3.00% AER (variable) interest on balances from £3,000 up to a maximum of £20,000. Up to 3% CASHBACK on various household bills. Monthly fee of £5. Must pay in £500 pm.
Why we like it: £100 for switching into account. £250 interest free overdraft. Free banking if paying over £1,000 per month. £100 if not satisfied after 6 months
Why we like it: Top 20% of Reward Customers earn on average £217 - You can earn Rewards on Direct Debits from your current account for: • Council tax • Gas, electricity and water supply • Home and mobile phone, TV package and broadband fees
Disclaimer: To apply for this account you must be aged 18 or over. UK resident. Not been declared bankrupt in last 6 years.
Why we like it: Earn rewards of up to £180 a year when you bank with Barclays - Get an annual loyalty reward of £84 plus £60 on your Barclays residential mortgage and £36 on your Barclays home and contents insurance. Start earning rewards with a monthly £3 fee based on £800 paid into your account and 2 direct debits paid out every month
Clydesdale Bank current account review
Clydesdale Bank is a Scottish bank which offers a number of different current accounts aimed at different types of customers.
Clydesdale’s current account are:
Current Account Plus – This basic current account comes with an optional overdraft and access to Savings Account Plus. This means you can earn interest on all of your savings, while making is fast and easy to transfer money quickly back and forth from your current account to your savings account.
B Current – A combined current account, instant savings account and app, this offers a forward-thinking, convenient way to manage your spending and saving. The account comes with no monthly fee.
Signature Current Account – A current account for those who want a wide range of benefits with their banking. For an account fee of £13.50 a month, you get family travel insurance, UK breakdown cover, mobile phone and gadget insurance, ID defender and discounts from a range of high street shops.
Readycash Account – This current account is aimed at customers aged 16+ and those who are otherwise not eligible for a standard Yorkshire Bank current account, including those with previous financial issues. It offers basic banking facilities to help you get started with managing your finance or get back on your feet.
Private Current Account – If you earn over £75,000 a year, have a joint income of over £100,000 or more or own in excess of £100,000 in investable assets, you may qualify for this elite current account. You will get a dedicated relationship manager and various other benefits in exchange for £25 per month account fee.
Current Account Control – This accounts offer to stop any payments which would result in you paying unplanned borrowing fees for an account fee of £7.50 per month.
Things to consider when switching current account
There are various reasons to choose a current account and which factors matter most to you will depend on your banking needs a personal circumstances. The following are some of the key points to consider:
Switching incentives – A number of leading current accounts offer incentives, including cash bonuses, to encourage you to switch your banking to them. To qualify, you will normally have to use the Current Account Switch Service and move you every day banking to your new provider.
Interest rates – There are two interest rates to think about when opening a bank account – the one who will earn on your savings and the one you will pay on your overdraft. Which of these is most significant to you will depend on whether you are more of a saver or a spender.
Cashback – Many current accounts now offer cashback, which can generally be earned monthly. For example, the TSB Classic Plus account allows you to earn up to £120 cashback a year for having active monthly direct debits and using your debit card regularly. Alternatively, Santander 1|2|3 Current Account offers cashback on household bills paid through the account which can quickly add up.
Additional benefits – Current account often offer extra benefits, either as standard or as add-ons. Free insurance is common, as are other freebies, such as internet security software.
Compare current accounts
Take a look at the range of current accounts presently on offer from all the leading providers across the market right now to see which offers the best deal for you.