Best current accounts

A current account is a bank account used for everyday money management. You use it to receive your salary, pay bills and direct debits, spend with your debit card and withdraw cash. Most people in the UK have at least one current account.

Yes, you can have multiple current accounts but it's important to be confident you can manage them all individually. People choose to have multiple current accounts for different purposes, such as having one for personal finances and another joint account with a partner or members of the household to manage shared bills and expenses.

Some current accounts pay interest, while others don't. Current account interest rates are often quite low, but some offer competitive rates, so it's definitely worth comparing your options. Some providers offer a savings account linked to your current account where you can earn a higher rate of interest.

The best current account depends on what you need from your banking. If you want rewards and cashback, look for accounts with spending incentives. If you want a switching bonus, compare which banks are currently offering cash to switch. If you want the best interest rate, look for accounts with linked savings pots. Our rankings above show which providers our customers rate most highly across all these factors.

Switching your current account can be very worthwhile. Many banks offer cash bonuses of £100–£200 to switch, plus ongoing perks like cashback, travel insurance or mobile phone cover. The Current Account Switch Service (CASS) makes switching straightforward, it takes just seven working days and automatically redirects your payments and direct debits.

The Current Account Switch Service (CASS) is a free service that makes it easy to move your current account to a new bank. It takes seven working days to complete, and all your payments, direct debits and standing orders are automatically moved to your new account. Your old account is then closed. If anything goes wrong with the switch, you’re guaranteed to be refunded any charges you incur.