Based on 422 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 114 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...
Based on 322 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 111 reviews
A product by Smile Bank
Smile Bank is an ethical online bank. Its Current Account doesn’t charge a monthly fee and is available for individuals and as a joint account. Every Smile Current Account comes...
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 243 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 782 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 350 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 193 reviews
A product by Santander
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...
Based on 117 reviews
A product by Bank of Scotland
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...
Based on 175 reviews
A product by TSB
The TSB Classic Plus Account is no longer on sale. View reviews for other TSB current accounts on Smart Money People.
Don't see your company?
Sign up and claim your business listing to start managing reviews and getting customer insights
Frequently asked questions
-
What is a current account?
-
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.
-
Can you have multiple current accounts?
-
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.
-
Do current accounts earn interest?
-
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.
News, guides and insights from our team
View more news and guides.png)
Why international lifestyles need multi-currency banking
.jpg)
Choosing the best joint account
10th February 2026 by Smart Money People Team
Five highly rated current accounts
7th January 2026 by Katy.png)
Starling vs Chase: which is better?
22nd October 2025 by Smart Money People TeamWe are helping 1000s to make smarter financial decisions
We use the power of consumer reviews to help increase trust and transparency in financial services and to deliver industry leading insight and events.
