Based on 582 reviews
A product by Lloyds Bank
The Club Lloyds Current Account charges a low monthly fee which is waived when you deposit a set amount each month. With the Club Lloyds Account, each year, you can...
Based on 197 reviews
A product by Halifax
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...
Based on 228 reviews
A product by NatWest
The NatWest Premier Reward Black account charges a monthly fee in return for a wide range of benefits. Benefits include a concierge service, discounts, insurance policies and cashback. You’ll need to...
Based on 939 reviews
A product by Halifax
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...
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.
Based on 241 reviews
A product by RBS
The RBS Select current account is a basic account for everyday banking. Account holders can access RBS’ mobile banking app which has a range of money management features and built-in...
Based on 761 reviews
A product by Lloyds Bank
The Lloyds Classic Account is fee free for use in the UK, providing your account balance doesn’t go below £0. The Lloyds Classic Account can be serviced via the app...
Based on 401 reviews
A product by The Co-operative Bank
The Co-operative (Co-op) current account is a basic account for everyday banking. You can apply for an overdraft as part of your Co-operative current account application, or once your account...
Based on 323 reviews
A product by Nationwide
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...
Based on 308 reviews
A product by Santander
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...
Based on 104 reviews
A product by Barclays
The Premier Current Account from Barclays has a wide range of benefits but does have specific income or savings eligibility criteria. Premier customers can access a range of discounts, rewards...
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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 type of bank account used for day-to-day spending. You're most likely to use a current account for everything from receiving your salary and paying direct debits to spending and withdrawing money.
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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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