£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.
£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.
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
£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.
£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
Minimum Deposit for Offer
Reward
Minimum Age
18
UK Resident
Yes
FlexDirect Current Account
Features5% Interest AER on balances up to £1,500Up to £60 cashback on debit card purchases for 12 months
Open With £1000
Account TypeCurrent Account
FlexDirect Current AccountNationwide
Open With £1000
Account TypeCurrent Account
Features5% Interest AER on balances up to £1,500Up to £60 cashback on debit card purchases for 12 months
£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
Yorkshire Bank have a number of different current accounts aimed at different types of customers, designed to help you manage your everyday banking whatever your needs.
What to look for when switching current accounts
To ensure you get a current account that is well matched to your everyday banking needs, make sure to consider how important each of the following factors is to you:
Interest rates– You will generally be offered different interest rates on your savings and overdraft (if you need one) so which of these is most important to you will tend to rely on how you normally use your account. If you are more of a saver, the rate you earn on your credit will be more important; whereas if you are more of a spender, your overdraft rate will be more significant.
Switching incentives – Several of the top current accounts across the market offer switching incentives to help entice you into transferring your banking to them. These often include cash upfront as well as introductory interest rates and other bonuses.
Compare current accounts
When choosing a new current account, make sure to spend some time researching the various options and what they offer before making a final decision. The more research you can do, the more chance there is of you ending up with an account that fits your needs long term.
Take a look at the range ofbank accounts presently on offer from all the leading providers across the market right now to see which offers the best deal for you.
