SPECIAL OFFER - Switch to a 1st Account and get £175*. Requires credit check. New customers only and T&Cs 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 Offer can be withdrawn at any time.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
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
SPECIAL OFFER - Switch to a 1st Account and get £175*. Requires credit check. New customers only and T&Cs 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
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
NatWest Select Account - an everyday current account. Great money management tools with NatWest’s mobile banking app. Criteria Apply. No monthly fee. You need to be 18+ and a UK resident. How does NatWest’s 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. Representative Example: Effective Annual Rate: 39.49% EAR (variable). Representative APR: 39.49% APR (variable). Assumed credit limit: £1,200. Access to Digital Regular Saver – Deposit £1-£150p per month. Earn 5.25% / 5.13% AER/Gross p.a. (variable) interest on the first £5k saved and 1.00%/1.00% AER/Gross p.a. (variable) on anything over £5k. Other Savings products are available with a NatWest Current Account. Interest paid monthly. Eligibility criteria apply.
NatWest Select Account - an everyday current account. Great money management tools with NatWest’s mobile banking app. Criteria Apply. No monthly fee. You need to be 18+ and a UK resident. How does NatWest’s 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. Representative Example: Effective Annual Rate: 39.49% EAR (variable). Representative APR: 39.49% APR (variable). Assumed credit limit: £1,200. Access to Digital Regular Saver – Deposit £1-£150p per month. Earn 5.25% / 5.13% AER/Gross p.a. (variable) interest on the first £5k saved and 1.00%/1.00% AER/Gross p.a. (variable) on anything over £5k. Other Savings products are available with a NatWest Current Account. Interest paid monthly. Eligibility criteria apply.
Royal Bank of Scotland Select Account - an everyday current account. Great money management tools with Royal Bank of Scotland's mobile banking app. Criteria Apply. No monthly fee. You need to be 18+ and a UK resident. How does NatWest’s 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. Representative Example: Effective Annual Rate: 39.49% EAR (variable). Representative APR: 39.49% APR (variable). Assumed credit limit: £1,200. Access to Digital Regular Saver – Deposit £1-£150p per month. Earn 5.25% / 5.13% AER/Gross p.a. (variable) interest on the first £5k saved and 1.00%/1.00% AER/Gross p.a. (variable) on anything over £5k. Other Savings products are available with a Royal Bank of Scotland Current Account. Interest paid monthly. Eligibility criteria apply.
Royal Bank of Scotland Select Account - an everyday current account. Great money management tools with Royal Bank of Scotland's mobile banking app. Criteria Apply. No monthly fee. You need to be 18+ and a UK resident. How does NatWest’s 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. Representative Example: Effective Annual Rate: 39.49% EAR (variable). Representative APR: 39.49% APR (variable). Assumed credit limit: £1,200. Access to Digital Regular Saver – Deposit £1-£150p per month. Earn 5.25% / 5.13% AER/Gross p.a. (variable) interest on the first £5k saved and 1.00%/1.00% AER/Gross p.a. (variable) on anything over £5k. Other Savings products are available with a Royal Bank of Scotland Current Account. Interest paid monthly. Eligibility criteria apply.
Details
Type of Account
Everyday
Minimum Age
18
UK Resident
Yes
Everyday Current Account
FeaturesGet £200 when you switch to a Santander Everyday Current Account*
Open With £1
Account TypeCurrent Account
Everyday Current AccountSantander
Open With £1
Account TypeCurrent Account
FeaturesGet £200 when you switch to a Santander Everyday Current Account*
Get a £200 welcome when you switch your current account using the Current Account Switch Service*
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. *For switch offer, open a Santander Everyday current account, request a switch before Santander remove the offer. Make sure the details you give are correct and match those at your old bank. Complete the switch within 60 days of your request, have at least 2 active selected household Direct Debits and pay in £1,500. Not available if you held a Santander current account on 1 January 2025. Or if you have received a Santander switcher incentive before. Offer may end at any time. Terms and conditions apply
Details
Type of Account
Everyday
Minimum Age
18
UK Resident
Yes
Everyday Current Account
FeaturesGet £200 when you switch to a Santander Everyday Current Account*
Open With £1
Account TypeCurrent Account
Everyday Current AccountSantander
Open With £1
Account TypeCurrent Account
FeaturesGet £200 when you switch to a Santander Everyday Current Account*
Get a £200 welcome when you switch your current account using the Current Account Switch Service*
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. *For switch offer, open a Santander Everyday current account, request a switch before Santander remove the offer. Make sure the details you give are correct and match those at your old bank. Complete the switch within 60 days of your request, have at least 2 active selected household Direct Debits and pay in £1,500. Not available if you held a Santander current account on 1 January 2025. Or if you have received a Santander switcher incentive before. Offer may end at any time. Terms and conditions apply
NatWest Reward Account. Earn from 1% back when you spend with selected partners, plus up to £5/month back in Rewards. T&Cs and eligibility criteria apply. £2/ month. You must be 18+ and a UK resident. You must pay in £1,250 each month. Earn £5/month back in Rewards: £2 for 2 direct debits of +£2 each, and £1 for monthly app log in. Earn 1% back in Rewards when you spend with selected partners. How does NatWest’s 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. Representative Example: Effective Annual Rate: 39.49% EAR (variable). Representative APR: 39.49% APR (variable). Assumed credit limit: £1,200. Access to Digital Regular Saver – Deposit £1-£150p per month. Earn 5.25% / 5.13% AER/Gross p.a. (variable) interest on the first £5k saved and 1.00%/1.00% AER/Gross p.a. (variable) on anything over £5k. Other Savings products are available with a NatWest Current Account. Interest paid monthly. Eligibility criteria apply.
NatWest Reward Account. Earn from 1% back when you spend with selected partners, plus up to £5/month back in Rewards. T&Cs and eligibility criteria apply. £2/ month. You must be 18+ and a UK resident. You must pay in £1,250 each month. Earn £5/month back in Rewards: £2 for 2 direct debits of +£2 each, and £1 for monthly app log in. Earn 1% back in Rewards when you spend with selected partners. How does NatWest’s 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. Representative Example: Effective Annual Rate: 39.49% EAR (variable). Representative APR: 39.49% APR (variable). Assumed credit limit: £1,200. Access to Digital Regular Saver – Deposit £1-£150p per month. Earn 5.25% / 5.13% AER/Gross p.a. (variable) interest on the first £5k saved and 1.00%/1.00% AER/Gross p.a. (variable) on anything over £5k. Other Savings products are available with a NatWest Current Account. Interest paid monthly. Eligibility criteria apply.
Royal Bank of Scotland Reward Account. Earn from 1% back when you spend with selected partners, plus up to £5/month back in Rewards. T&Cs and eligibility criteria apply. £2/ month. You must be 18+ and a UK resident. You must pay in £1,250 each month. Earn £5/month back in Rewards: £2 for 2 direct debits of +£2 each, and £1 for monthly app log in. Earn 1% back in Rewards when you spend with selected partners. How does Royal Bank of Scotland's 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. Representative Example: Effective Annual Rate: 39.49% EAR (variable). Representative APR: 39.49% APR (variable). Assumed credit limit: £1,200. Access to Digital Regular Saver – Deposit £1-£150p per month. Earn 5.25% / 5.13% AER/Gross p.a. (variable) interest on the first £5k saved and 1.00%/1.00% AER/Gross p.a. (variable) on anything over £5k. Other Savings products are available with a Royal Bank of Scotland Current Account. Interest paid monthly. Eligibility criteria apply.
Royal Bank of Scotland Reward Account. Earn from 1% back when you spend with selected partners, plus up to £5/month back in Rewards. T&Cs and eligibility criteria apply. £2/ month. You must be 18+ and a UK resident. You must pay in £1,250 each month. Earn £5/month back in Rewards: £2 for 2 direct debits of +£2 each, and £1 for monthly app log in. Earn 1% back in Rewards when you spend with selected partners. How does Royal Bank of Scotland's 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. Representative Example: Effective Annual Rate: 39.49% EAR (variable). Representative APR: 39.49% APR (variable). Assumed credit limit: £1,200. Access to Digital Regular Saver – Deposit £1-£150p per month. Earn 5.25% / 5.13% AER/Gross p.a. (variable) interest on the first £5k saved and 1.00%/1.00% AER/Gross p.a. (variable) on anything over £5k. Other Savings products are available with a Royal Bank of Scotland Current Account. Interest paid monthly. Eligibility criteria apply.
Tesco 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.
