Compare All UK High Street Banks
A complete side-by-side comparison of the UK's leading high street banks. Compare monthly fees, branch access, mobile app ratings, savings rates, and key account features in one place.
Jump to a Bank Overview
Select a bank below to jump straight to its comparison details and overview link, or scroll down to compare all banks side-by-side.
Barclays
Co-operative Bank
First Direct
Halifax
HSBC
Lloyds Bank
Metro Bank
Nationwide
NatWest
Santander
TSB
Virgin Money
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Compare High Street Banks Side-by-Side
Compare branch access, mobile app ratings, savings rates, account fees, and FSCS protection across the UK's leading high street banks in one easy-to-read table.
| Bank | FSCS | Branch Access | Mobile App | Savings | Monthly Fee | Rating | Useful For |
|---|---|---|---|---|---|---|---|
| Yes (FSCS £120k) | 1,000+ branches | 4.7/5 | Rates vary | £0-£5 | Blue Rewards | |
| Yes (FSCS £120k) | UK branches | 4.8/5 | Rates vary | £0-£15 | Ethical banking | |
| Yes (FSCS £120k) | HSBC / Post Office services | 4.9/5 | Rates vary | £0 | Telephone support | |
| Yes (FSCS £120k) | Lloyds Group (1,200+) | 4.7/5 | Rates vary | £0-£3 | Reward Account | |
| Yes (FSCS £120k) | 500+ branches | 4.6/5 | Rates vary | £0* | Global Banking | |
| Yes (FSCS £120k) | 1,200+ branches | 4.8/5 | Rates vary | £0-£3 | Club Lloyds | |
| Yes (FSCS £120k) | 70+ stores | 4.8/5 | Rates vary | £0 | Store access | |
| Yes (FSCS £120k) | 600+ branches + 3,000 Post Offices | 4.8/5 | Rates vary | £0-£18 | Member-owned | |
| Yes (FSCS £120k) | 800+ branches | 4.8/5 | Rates vary | £0-£2 | Award-winning app | |
| Yes (FSCS £120k) | 600+ branches | 4.6/5 | Rates vary | £0-£4 | Cashback on bills | |
| Yes (FSCS £120k) | 200+ branches | 4.5/5 | Rates vary | £0-£3 | Local banking | |
| Yes (FSCS £120k) | UK branches | 4.6/5 | Rates vary | £0-£12.50 | Linked savings |
Account Fees At A Glance
A quick comparison of monthly account fees and key charges across the leading UK high street banks.
| Bank | Standard Account Fee | Paid Tiers / Rewards | Overdraft Rate | Foreign Spend Fee |
|---|---|---|---|---|
| £0-£5 | Blue Rewards (£5/month) | 35% EAR | 2.95-2.99% fee |
| £0-£15 | 2.95-2.99% fee | ||
| £0 | 2.95-2.99% fee | ||
| £0-£3 | Reward (£3/month) | 39.9% EAR | 2.95-2.99% fee |
| £0 (Premier has requirements) | Premier (by invitation) | 39.9% EAR | 2.95-2.99% fee |
| £0-£3 | Club Lloyds (£3/month) | 39.93% EAR | 2.95-2.99% fee |
| £0 | 2.95-2.99% fee | ||
| £0-£18 | FlexPlus (£18/month) | 39.9% EAR | 2.95-2.99% fee |
| £0-£2 | Reward (£2/month) | 39.49% EAR | 2.95-2.99% fee |
| £0-£4 | 123 Account (£4/month) | 39.94% EAR | 2.95-2.99% fee |
| £0-£3 | Spend & Save Plus (£3/month) | 39.9% EAR | 2.95-2.99% fee |
| £0-£12.50 | 2.95-2.99% fee |
* Monthly fees may be waived by paying in a minimum amount each month (£1,250-£2,000 depending on the bank).
FAQs
Frequently Asked Questions
Quick answers to common high street banking questions.
Are high street banks safe?
Yes. UK-regulated high street banks are usually covered by FSCS protection up to £120,000 per person, per authorised firm.
Read our FSCS guide →What's the difference between high street and digital banks?
High street banks usually combine branches, phone support and wider product ranges. Digital banks tend to focus on app features, notifications and lower-cost travel spending.
Compare both types →How can I avoid monthly bank fees?
Look for free current accounts, check whether packaged account benefits justify the fee, and make sure any monthly pay-in rules fit how you actually use the account.
Read the high street guide →Which high street banks have strong mobile apps?
App quality changes over time, so it is worth comparing current ratings, payment controls, card tools and whether the app gives you the alerts you need.
Browse high street reviews →