Nationwide FlexPlus is a packaged bank account. For a monthly fee, the FlexPlus current account gives you worldwide family travel and mobile phone insurance, plus UK and European breakdown cover. Nationwide FlexPlus...
The Halifax Reward current account charges a low monthly fee which is waived when you deposit a set amount each month. With the Halifax Reward account, each year, you can...
The NatWest Select Account is an award winning basic current account helps you manage your money in one place, with no monthly fee. The Select Account can be managed via the...
The NatWest Everyday account is a basic current account. There’s no monthly fee for the Everyday account. If you meet the eligibility criteria, you can get a short-term overdraft. Manage your...
At Smart Money People we want to make it easy to compare your financial product options with our approach to rankings.
We use a combination of data from the reviews we receive to calculate our rankings. This includes the 1-5 star ratings given by reviewers, when the reviews were left on our site and other insightful data from the reviews.
It’s important to us that all our rankings are fair and consistent in the way they’re calculated. That’s why every financial product featured on our site is ranked in the same way using our own unique algorithm.
Nationwide’s FlexBasic current account is for customers who don't hold a UK current account or don't qualify for another Nationwide current account. There’s no monthly fee for FlexBasic and Nationwide automatically...
Virgin Money M Plus is an everyday bank account. You’ll get interest on your balances and cashback on spending. There’s no monthly fee for this account and you won’t be...
The Barclays Bank Account can be opened as a sole account or joint account and has no monthly fee. The Barclays Bank Account can be managed via the mobile banking...
The Santander Basic current account is for people who’ve been turned down for another current account, have a poor credit history, or are new to the UK for work or...
The Halifax Current Account is a free, everyday banking option. You have the option to apply for an arranged overdraft and make contactless payments. With Save the Change®, you can round...
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Frequently asked questions
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What is a current account?
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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.
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Can you have multiple current accounts?
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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.
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Do current accounts earn interest?
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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.
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What’s the best current account in the UK?
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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.
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Is it worth switching current account?
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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.
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What is the Current Account Switch Service?
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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.
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