Everyday fees
Check monthly account fees, cash use, foreign spending, replacement cards and other common charges.
Current accounts
Compare UK Current Accounts
A current account is usually the account people use for income, bills, card spending and everyday payments. The right fit depends on whether you value app tools, branch access, fee-free travel, rewards, overdrafts, cash services or a simple no-monthly-fee account.
Reviewed 12 August 2026
What this page is
- Helps readers compare banks for current 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.
Quick answer
Monzo, Starling, Chase, Kroo and Zopa are useful digital current-account options to compare, while Barclays, Lloyds, NatWest, HSBC, Nationwide, Santander, Halifax, TSB and other high street banks may suit people who want branches, phone support or a wider product range. Compare the account features, fees and limitations before choosing.
Start with the practical need
What kind of current account are you comparing?
Account access
Compare app banking, branch access, phone support, Post Office services and payment reliability.
Overdraft and rewards
Look at overdraft costs, cashback rules, packaged benefits and whether rewards outweigh fees.
Protection and fit
Confirm protection status and decide whether the account can be your main bank or a helper account.
Account-level comparison
Compare everyday current accounts using the same fields
Choose factual features that matter to you. Results are shown alphabetically by default. Affiliate relationships never determine inclusion or position.
Jump to a bank
Choose a provider to move directly to its account details.
Showing 17 of 17 accounts with a complete standardised comparison record. The provider directory may contain additional reviewed banks. Filters narrow this list; they do not create a recommendation.
Current account
Barclays Bank Account
Barclays
Switching bonusNo verified offer shown
- Monthly fee
- £0
- Interest
- No in-credit interest
- Arranged overdraft
- Available, subject to status
- Banking access
- App, online, telephone and branches
- Joint account
- Available
- Deposit protection
- Eligible deposits protected
Eligibility and switching conditions
Who can apply
UK residents aged 18+; account criteria apply
No current cash switching incentive has been verified for this account.
Details checked 12 August 2026
Current account
Chase Current Account
Chase UK
Switching bonusNo verified offer shown
- Monthly fee
- £0
- Interest
- Linked savings available
- Arranged overdraft
- No arranged overdraft
- Banking access
- App only
- Joint account
- Not available
- Deposit protection
- Eligible deposits protected
Eligibility and switching conditions
Who can apply
UK resident aged 18+ with a compatible smartphone
No current cash switching incentive has been verified for this account.
Details checked 12 August 2026
Current account
Current Account
Co-operative Bank
Switching bonusNo verified offer shown
- Monthly fee
- £0
- Interest
- No in-credit interest shown
- Arranged overdraft
- Available, subject to status
- Banking access
- App, online, telephone and branches
- Joint account
- Available
- Deposit protection
- Eligible deposits protected
Eligibility and switching conditions
Who can apply
UK residents aged 18+; account criteria apply
No current cash switching incentive has been verified for this account.
Details checked 12 August 2026
Current account
1st Account
First Direct
Switching bonus£175 switch offer
- Monthly fee
- £0
- Interest
- No in-credit interest
- Arranged overdraft
- Arranged overdraft available, subject to status
- Banking access
- App, online and telephone; HSBC counter access for some services
- Joint account
- Available
- Deposit protection
- Eligible deposits protected
Eligibility and switching conditions
Who can apply
New First Direct customers; further offer restrictions apply
Key switching steps
- Complete a full Current Account Switch Service switch within 45 days
- Move at least two Direct Debits or standing orders
- Pay in £1,000 and make at least five debit-card payments
- Log in to digital banking within 45 days
- New-customer and previous-HSBC-account restrictions apply
Details checked 12 August 2026
No fixed closing date published; the offer may be withdrawn.
Read the provider's product terms
Current account
Current Account
Halifax
Switching bonusNo verified offer shown
- Monthly fee
- £0
- Interest
- No in-credit interest shown
- Arranged overdraft
- Available, subject to status
- Banking access
- App, online, telephone and branches
- Joint account
- Available
- Deposit protection
- Eligible deposits protected
Eligibility and switching conditions
Who can apply
UK residents aged 18+; account criteria apply
No current cash switching incentive has been verified for this account.
Details checked 12 August 2026
Current account
HSBC Bank Account
HSBC
Switching bonusNo verified offer shown
- Monthly fee
- £0
- Interest
- No in-credit interest shown
- Arranged overdraft
- Available, subject to status
- Banking access
- App, online, telephone and branches
- Joint account
- Available
- Deposit protection
- Eligible deposits protected
Eligibility and switching conditions
Who can apply
UK residents aged 18+; account criteria apply
No current cash switching incentive has been verified for this account.
Details checked 12 August 2026
Current account
Kroo Current Account
Kroo
Switching bonusNo verified offer shown
- Monthly fee
- £0
- Interest
- 2.65% AER on eligible balances
- Arranged overdraft
- Available to eligible customers
- Banking access
- App only
- Joint account
- Not shown
- Deposit protection
- Eligible deposits protected
Eligibility and switching conditions
Who can apply
UK residents aged 18+ with a compatible smartphone
No current cash switching incentive has been verified for this account.
Details checked 12 August 2026
Current account
Classic Account
Lloyds Bank
Switching bonusNo verified offer shown
- Monthly fee
- £0
- Interest
- No in-credit interest shown
- Arranged overdraft
- Available, subject to status
- Banking access
- App, online, telephone and branches
- Joint account
- Available
- Deposit protection
- Eligible deposits protected
Eligibility and switching conditions
Who can apply
UK residents aged 18+; account criteria apply
No current cash switching incentive has been verified for this account.
Details checked 12 August 2026
Current account
Current Account
Metro Bank
Switching bonusNo verified offer shown
- Monthly fee
- £0
- Interest
- No in-credit interest shown
- Arranged overdraft
- Available, subject to status
- Banking access
- App, online, telephone and stores
- Joint account
- Check provider
- Deposit protection
- Eligible deposits protected
Eligibility and switching conditions
Who can apply
UK residents aged 18+; account criteria apply
No current cash switching incentive has been verified for this account.
Details checked 12 August 2026
Current account
Monzo Personal Account
Monzo
Switching bonusNo verified offer shown
- Monthly fee
- £0 core account
- Interest
- Savings Pots vary
- Arranged overdraft
- 19%, 29% or 39% EAR variable, subject to status
- Banking access
- App only
- Joint account
- Available to eligible customers
- Deposit protection
- Eligible deposits protected
Eligibility and switching conditions
Who can apply
UK resident aged 16+; identity and account checks apply
No current cash switching incentive has been verified for this account.
Details checked 12 August 2026
What changed?
- Savings information checked
- Business account coverage added
- Account-level link added
Current account
FlexAccount
Nationwide
Switching bonusNo verified offer shown
- Monthly fee
- £0
- Interest
- No in-credit interest
- Arranged overdraft
- 39.9% yearly variable; first £50 interest-free, subject to status
- Banking access
- App, online, telephone and branches
- Joint account
- Available
- Deposit protection
- Eligible deposits protected; group limits can apply
Eligibility and switching conditions
Who can apply
UK residents aged 18+; account criteria apply
No current cash switching incentive has been verified for this account.
Details checked 12 August 2026
Current account
NatWest Select Account
NatWest
Switching bonus£200 switch offer
- Monthly fee
- £0
- Interest
- No in-credit interest
- Arranged overdraft
- 39.49% EAR variable representative; subject to status
- Banking access
- App, online, telephone and branches
- Joint account
- Available
- Deposit protection
- Eligible deposits protected
Eligibility and switching conditions
Who can apply
Eligible new customers switching to Select or Reward; restrictions apply
Key switching steps
- Complete a full Current Account Switch Service switch
- Pay in £1,250 within 60 days and leave it for at least 24 hours
- Log in to the NatWest mobile app within 60 days
- Existing-customer and previous-switch-payment restrictions apply
Details checked 12 August 2026
No fixed closing date published; the offer may be withdrawn.
Read the provider's product terms
Current account
Everyday Current Account
Santander
Switching bonusNo verified offer shown
- Monthly fee
- £0
- Interest
- No in-credit interest shown
- Arranged overdraft
- Available, subject to status
- Banking access
- App, online, telephone and branches
- Joint account
- Available
- Deposit protection
- Eligible deposits protected
Eligibility and switching conditions
Who can apply
UK residents aged 18+; account criteria apply
No current cash switching incentive has been verified for this account.
Details checked 12 August 2026
Current account
Starling Personal Account
Starling Bank
Switching bonusNo verified offer shown
- Monthly fee
- £0
- Interest
- Savings products available
- Arranged overdraft
- Available to eligible customers
- Banking access
- App-led; no branches
- Joint account
- Available to eligible customers
- Deposit protection
- Eligible deposits protected
Eligibility and switching conditions
Who can apply
UK resident aged 16+ with a compatible smartphone
No current cash switching incentive has been verified for this account.
Details checked 12 August 2026
Current account
Spend & Save
TSB
Switching bonusNo verified offer shown
- Monthly fee
- £0
- Interest
- Savings Pots available
- Arranged overdraft
- Available, subject to status
- Banking access
- App, online, telephone and branches
- Joint account
- Available
- Deposit protection
- Eligible deposits protected
Eligibility and switching conditions
Who can apply
UK residents aged 18+; account criteria apply
No current cash switching incentive has been verified for this account.
Details checked 12 August 2026
Current account
Virgin Money Current Account
Virgin Money
Switching bonusNo verified offer shown
- Monthly fee
- £0 option
- Interest
- Linked savings can be available
- Arranged overdraft
- Available, subject to status
- Banking access
- App, online, telephone and branch-supported services
- Joint account
- Check account
- Deposit protection
- Eligible deposits protected; group limits can apply
Eligibility and switching conditions
Who can apply
UK residents aged 18+; product criteria apply
No current cash switching incentive has been verified for this account.
Details checked 12 August 2026
Current account
Biscuit Current Account
Zopa
Switching bonusNo verified offer shown
- Monthly fee
- £0
- Interest
- Linked savings products available
- Arranged overdraft
- No arranged overdraft shown
- Banking access
- App only
- Joint account
- Not shown
- Deposit protection
- Eligible deposits protected
Eligibility and switching conditions
Who can apply
Eligible UK residents with a compatible smartphone
No current cash switching incentive has been verified for this account.
Details checked 12 August 2026
Rates, offers, fees and eligibility can change. Check the provider's account page before applying. FSCS protection refers to eligible deposits and is subject to scheme and banking-licence limits.
Banks to Compare
Review each bank's strengths, limitations and key checks for this guide. The order does not imply an overall ranking.
BarclaysBarclays is worth comparing if you want a large branch-backed bank with mobile banking, card controls, optional rewards and a broad product range.Trust score4.1/5Monthly fee£0–£5SavingsSee accountView Barclays Overview Updated 12 August 2026Chase UKChase is useful if you want a clean current account app, debit card spending, eligible cashback and linked savings features.Trust score3.6/5Monthly feeFreeSavingsSee accountView Chase UK Overview Updated 12 August 2026Co-operative BankCo-operative Bank can suit people who value ethical positioning, standard current accounts, savings options and branch-backed banking.Trust score4.5/5Monthly fee£0–£15SavingsSee accountView Co-Op Bank Overview Updated 12 August 2026First DirectFirst Direct is worth comparing if you want app banking with strong telephone support from a branchless high street banking brand.Trust score4.5/5Monthly fee£0SavingsSee accountView First Direct Overview Updated 12 August 2026HalifaxHalifax can suit people who want a familiar current account, app access, reward account options and Lloyds Group backing.Trust score1.7/5Monthly fee£0–£3SavingsSee accountView Halifax Overview Updated 12 August 2026HSBCHSBC is useful if you want a large high street bank with current accounts, international banking links and wider financial products.Trust score4.4/5Monthly fee£0*SavingsSee accountView HSBC Overview Updated 12 August 2026KrooKroo is worth comparing for a straightforward current account, app-first banking and ethical positioning.Trust score4.1/5Monthly feeFreeSavingsSee accountView Kroo Overview Updated 12 August 2026Lloyds BankLloyds is a useful comparison point for people who want a broad current account range, branch access, app tools and wider banking products.Trust score4.1/5Monthly fee£0–£3SavingsSee accountView Lloyds Bank Overview Updated 12 August 2026Metro BankMetro Bank is worth comparing if you value branch access and want a high street current account with in-person support.Trust score2.6/5Monthly fee£0SavingsSee accountView Metro Bank Overview Updated 12 August 2026MonzoMonzo can suit people who want pots, spending categories, instant notifications and app-first money management.Trust score4.6/5Monthly feeFree accountSavingsSee accountView Monzo Overview Updated 12 August 2026NationwideNationwide is worth comparing if you want a member-owned provider with current accounts, branches and savings products.Trust score2.1/5Monthly fee£0–£18SavingsSee accountView Nationwide Overview Updated 12 August 2026NatWestNatWest is relevant if you want branch-backed banking, reward-style account options and mobile banking tools.Trust score1.5/5Monthly fee£0–£2SavingsSee accountView NatWest Overview Updated 12 August 2026SantanderSantander is worth comparing if household bill rewards, current accounts and savings links matter to you.Trust score3.1/5Monthly fee£0–£4SavingsSee accountView Santander Overview Updated 12 August 2026Starling BankStarling is useful if you want a full app-based current account with card controls, Spaces, fee-free travel use and business account options.Trust score4.3/5Monthly feeFreeSavingsSee accountView Starling Bank Overview Updated 12 August 2026TSBTSB is worth comparing if you want a straightforward current account, app banking, branches and a low-cost paid account option.Trust score3.9/5Monthly fee£0–£3SavingsSee accountView TSB Overview Updated 12 August 2026Virgin MoneyVirgin Money is useful to compare if you want current accounts, linked savings and packaged-account options from one brand.Trust score3.1/5Monthly fee£0–£12.50SavingsSee accountView Virgin Money Overview Updated 12 August 2026ZopaZopa is relevant for people comparing the Biscuit current account alongside savings, cashback-style bill features and credit products.Trust score4.6/5Monthly feeN/ASavingsSee accountView Zopa Overview Updated 12 August 2026What to check before choosing
- Check monthly account fees, overdraft costs, cash withdrawal rules and foreign spending charges.
- Compare app tools, card controls, notifications, budgeting features and payment reliability.
- Decide whether branch, phone or Post Office access matters to you.
- Check whether rewards or cashback are worth more than any account fees.
- Confirm FSCS status or safeguarding arrangements before holding larger balances.
FAQs
Frequently Asked Questions
Quick answers before you compare banks.
How should I use this current accounts guide?
Monzo, Starling, Chase, Kroo and Zopa are useful digital current-account options to compare, while Barclays, Lloyds, NatWest, HSBC, Nationwide, Santander, Halifax, TSB and other high street banks may suit people who want branches, phone support or a wider product range. Compare the account features, fees and limitations before choosing.
Compare UK banksWhat should I check before choosing?
Check monthly account fees, overdraft costs, cash withdrawal rules and foreign spending charges. Compare app tools, card controls, notifications, budgeting features and payment reliability. Decide whether branch, phone or Post Office access matters to you.
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
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