Best current accounts
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...
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...
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The Santander Everyday current account has no monthly fee and can be managed online or via the app. Being a Santander Everyday current account customer also gives you access to Santander...
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...
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.
The HSBC bank account gives access to a range of other offers, with no monthly account fee. With an HSBC bank account, you can apply for an HSBC Global Money...
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...
Lloyds Bank Platinum Added Value Account reviews come from people like you! With so many different current accounts now available, you can read these honest Lloyds Bank Platinum Added Value...
The Bank of Scotland Classic account has no monthly fee when you stay in credit. You can earn cashback with selected retailers, and Bank of Scotland will round what you...
Santander no longer offers the Choice Current Account.
The TSB Cash account is a basic bank account. It’s available if you don’t have a UK bank account and don’t qualify for other TSB current accounts. There’s no charge...
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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.
Best current accounts
Our rankings of the best current accounts in the UK are based on real customer reviews, helping you compare top-rated accounts quickly and easily. Whether you’re looking for the best current account with benefits, the best switching incentive or simply reliable everyday banking, find the right account for your needs.
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