BankAdvisor.co.uk

Everyday banking

Current Accounts

Use this hub to compare everyday current account routes across BankAdvisor. Start with the neutral current account guide, then use reviews, tables and related guides to check fees, app tools, branch access, overdrafts, rewards and protection.

A current account ledger, debit card, mobile banking app and British bank

Account-level comparison

Compare everyday accounts using the same fields

Accounts are shown alphabetically, not ranked. Open a card to check the full provider review, account limitations and current terms.

Quick checks

What to compare

01

Monthly cost

Compare standard fees and the conditions attached to reward or packaged-account benefits.

02

Overdraft

Check eligibility, interest rates, buffers and how payments are handled when funds run short.

03

Access and support

Decide whether branches, telephone help, cash deposits or app-only service suit your routine.

04

Switching and protection

Treat switching offers as temporary extras and check the banking licence protecting deposits.

Barclays logoBarclaysBroad access and branch support; check current overdraft pricing before applying.Trust score4.1/5Monthly fee£0OverdraftAvailable, subject to statusView Barclays Overview Updated 12 August 2026Chase UK logoChase UKFee-free app account with travel features, but no branches or arranged overdraft.Trust score3.6/5Monthly fee£0OverdraftNo arranged overdraftView Chase UK Overview Updated 12 August 2026Co-operative Bank logoCo-operative BankA fee-free branch-backed account with an ethical policy; compare app depth and local branch access.Trust score4.5/5Monthly fee£0OverdraftAvailable, subject to statusView Co-Op Bank Overview Updated 12 August 2026First Direct logoFirst DirectStrong telephone support and a cash incentive, but it has no First Direct branches.Trust score4.5/5Monthly fee£0OverdraftArranged overdraft available, subject to statusView First Direct Overview Updated 12 August 2026Halifax logoHalifaxStraightforward everyday banking with branch support; rewards and overdraft pricing depend on account choice.Trust score1.7/5Monthly fee£0OverdraftAvailable, subject to statusView Halifax Overview Updated 12 August 2026HSBC logoHSBCBroad branch and international banking access; check overdraft pricing and account eligibility.Trust score4.4/5Monthly fee£0OverdraftAvailable, subject to statusView HSBC Overview Updated 12 August 2026Kroo logoKrooPays interest within an everyday account and supports fee-free overseas use; no branch access.Trust score4.1/5Monthly fee£0OverdraftAvailable to eligible customersView Kroo Overview Updated 12 August 2026Lloyds Bank logoLloyds BankA conventional fee-free main account with broad access; Club Lloyds benefits sit on a different account with conditions.Trust score4.1/5Monthly fee£0OverdraftAvailable, subject to statusView Lloyds Bank Overview Updated 12 August 2026Metro Bank logoMetro BankUseful where a nearby Metro Bank store matters; compare its smaller network and digital features.Trust score2.6/5Monthly fee£0OverdraftAvailable, subject to statusView Metro Bank Overview Updated 12 August 2026Monzo logoMonzoStrong budgeting and app controls; cash services and some extras have limits or fees.Trust score4.6/5Monthly fee£0 core accountOverdraft19%, 29% or 39% EAR variable, subject to statusView Monzo Overview Updated 12 August 2026Nationwide logoNationwideFee-free building-society current account with branches; packaged and interest-paying alternatives have different conditions.Trust score2.1/5Monthly fee£0Overdraft39.9% yearly variable; first £50 interest-free, subject to statusView Nationwide Overview Updated 12 August 2026NatWest logoNatWestFull-service branch access and the largest verified cash offer here; the switch has deposit and app-use conditions.Trust score1.5/5Monthly fee£0Overdraft39.49% EAR variable representative; subject to statusView NatWest Overview Updated 12 August 2026Santander logoSantanderA fee-free account with high-street access; cashback and linked savings require comparing other Santander accounts.Trust score3.1/5Monthly fee£0OverdraftAvailable, subject to statusView Santander Overview Updated 12 August 2026Starling Bank logoStarling BankStrong everyday and overseas card use; no branch counter service.Trust score4.3/5Monthly fee£0OverdraftAvailable to eligible customersView Starling Bank Overview Updated 12 August 2026TSB logoTSBCombines fee-free everyday banking with Pots and branch access; cashback conditions need checking.Trust score3.9/5Monthly fee£0OverdraftAvailable, subject to statusView TSB Overview Updated 12 August 2026Virgin Money logoVirgin MoneyLinked savings and packaged options broaden the choice; branch access and exact account availability need checking.Trust score3.1/5Monthly fee£0 optionOverdraftAvailable, subject to statusView Virgin Money Overview Updated 12 August 2026Zopa logoZopaLinks everyday banking with Zopa savings and credit products; no branches or arranged overdraft.Trust score4.5/5Monthly fee£0OverdraftNo arranged overdraft shownView Zopa Overview Updated 12 August 2026
Start here 01Compare UK current accountsCompare everyday accounts by fees, app tools, branch access, rewards, overdrafts and protection.

Account fit

Compare current account features

Check whether a bank works as a main account, backup account or specialist account.

BudgetingBudgeting toolsCompare pots, spaces, alerts, categories and spending controls.RewardsCashback and rewardsCompare accounts with cashback, reward accounts and bill-linked benefits.BorrowingOverdraftsCompare arranged overdraft routes, buffers, EAR and eligibility checks.GuideDigital vs high street banksCompare app-first banking with branch-backed providers.