Included benefits
Check insurance, breakdown cover, travel perks and whether benefits match your needs.
Updated 3 July 2026 - Packaged accounts
High Street Packaged Bank AccountsWhat to compare in 2026
Packaged accounts can be good value if you genuinely use the benefits, but they can also be expensive if you are paying for insurance or extras you do not need.
Quick answer
Lloyds, Nationwide, Barclays, NatWest and Halifax are worth comparing for packaged or perk-style high street accounts, but value depends on the monthly fee and whether you would buy the benefits anyway.
What this page is
- Helps readers compare banks for packaged accounts using features, fees, protection and practical fit.
- Highlights watch-outs and links to wider comparison pages before readers choose a provider.
What this page is not
- Does not provide personalised financial advice or guarantee eligibility for any account or product.
- Does not replace checking live provider rates, fees, terms and protection wording before applying.
What to compare first
Before looking at individual banks, check the features, fees and limitations that matter most for this type of account.
Monthly fee
Compare the annual account cost against the value of benefits you would actually use.
Eligibility and exclusions
Insurance and travel benefits often have age, trip length, medical or claim restrictions.
Core banking quality
Do not overlook app quality, support, overdraft costs and everyday account features.
Banks to Compare
Review each bank's strengths, limitations and key checks for this guide. The order does not imply an overall ranking.
Barclays
Optional account add-ons
Barclays can be useful if you want a high street account with optional reward or insurance-style extras.
Add-onsRewardsApp
Watch
Add-ons and reward features can increase costs.
Co-operative Bank
Also compare for packaged accounts
Co-operative Bank is included so this guide covers every high street bank we currently review, even where it may not be the strongest option for this specific need.
High streetReview includedCompare
Watch
Check the provider's current account, fees, eligibility and product terms before choosing.
First Direct
Also compare for packaged accounts
First Direct is included so this guide covers every high street bank we currently review, even where it may not be the strongest option for this specific need.
High streetReview includedCompare
Watch
Check the provider's current account, fees, eligibility and product terms before choosing.
Halifax
Simple paid-account perks
Halifax may suit people who want Lloyds Group banking with straightforward reward or paid-account options.
RewardsPaid accountHigh street
Watch
Check whether benefits overlap with cover you already have.
HSBC
Also compare for packaged accounts
HSBC is included so this guide covers every high street bank we currently review, even where it may not be the strongest option for this specific need.
High streetReview includedCompare
Watch
Check the provider's current account, fees, eligibility and product terms before choosing.
Lloyds Bank
Lifestyle perks and main banking
Lloyds can suit people who want a familiar main bank with optional perks and packaged account routes.
PerksPackagedMain bank
Watch
Check whether you meet eligibility and whether benefits justify the fee.
Metro Bank
Also compare for packaged accounts
Metro Bank is included so this guide covers every high street bank we currently review, even where it may not be the strongest option for this specific need.
High streetReview includedCompare
Watch
Check the provider's current account, fees, eligibility and product terms before choosing.
Nationwide
Travel and household-style extras
Nationwide is worth comparing if you want building society banking with packaged account-style benefits.
PackagedTravelMember-owned
Watch
Benefit availability and account fees can change.
NatWest
Reward and packaged account options
NatWest is worth comparing if you want rewards, app banking and possible packaged account features in one provider.
RewardsPackagedApp
Watch
Check account fee, reward value and insurance exclusions.
Santander
Also compare for packaged accounts
Santander is included so this guide covers every high street bank we currently review, even where it may not be the strongest option for this specific need.
High streetReview includedCompare
Watch
Check the provider's current account, fees, eligibility and product terms before choosing.
TSB
Also compare for packaged accounts
TSB is included so this guide covers every high street bank we currently review, even where it may not be the strongest option for this specific need.
High streetReview includedCompare
Watch
Check the provider's current account, fees, eligibility and product terms before choosing.
Virgin Money
Also compare for packaged accounts
Virgin Money is included so this guide covers every high street bank we currently review, even where it may not be the strongest option for this specific need.
High streetReview includedCompare
Watch
Check the provider's current account, fees, eligibility and product terms before choosing.
What to check before choosing
- Calculate annual account fees, not just monthly cost.
- Check insurance exclusions and age limits.
- Avoid paying twice for cover you already have.
- Compare packaged benefits against standalone insurance costs.
FAQs
Frequently Asked Questions
Quick answers before you compare banks.
How should I use this packaged accounts guide?
Lloyds, Nationwide, Barclays, NatWest and Halifax are worth comparing for packaged or perk-style high street accounts, but value depends on the monthly fee and whether you would buy the benefits anyway.
Compare high street banksWhat should I check before choosing?
Calculate annual account fees, not just monthly cost. Check insurance exclusions and age limits. Avoid paying twice for cover you already have.
Continue researching →How does BankAdvisor compare banks?
We compare banks using provider information, review criteria and practical checks such as fees, features, protection, eligibility and limitations.
Read how we review banks →Are the banks listed fairly?
Yes. The cards are intended to help readers compare strengths, limitations and key checks. The order does not imply an overall ranking.
Compare the full list →Continue researching
Related reviews and guides
Compare banks side-by-side
Use the full comparison table to compare fees, protection, savings, travel and everyday features.