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Compare current accounts with Confused.com

Whether you’re looking for interest on your credit balance or need to dip into your overdraft from time to time, Confused.com compares current accounts to help you find the right account for you.

Compare current accounts from a variety of leading providers including Nationwide, Santander, NatWest and RBS.

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  • BASIC

    These accounts essentially have no overdraft facility, usually no debit card, cheque book and typically no in-credit interest. Usually for those who have a poor credit history and would struggle to get a standard bank account.

    You’ll be able to do basic banking functions like direct debits and standing orders, though you must ensure you have enough money to cover any outgoings or they won’t be paid and you’ll be charged a fee.

    Each bank has its own rules, so if one rejects you, apply to a different bank.

  • STANDARD

    Generally these are free to have and offer general banking facilities you would expect like access to an overdraft, debit card, cheque book, possibly some in-credit interest, direct debit and standing order set up.

    To get these accounts you can’t have a bad credit history and you may need to pay in a minimum amount each month or pay a fee.

    Some banks offer incentives to switch to them, cashback and enhanced terms on other products.

  • PACKAGED

    You will typically have to pay a monthly or annual fee to have these accounts and sometimes pay in a minimum amount each month.

    They offer a bundle of perks on top of the usual banking facilities for free such as mobile, travel, and breakdown insurance, vouchers & discounts and enhanced interest rates.

    You must make sure you are eligible and correctly covered for the insurances; that you will make use of the extras and that you can’t get them cheaper elsewhere.

Most banks are now offering a 7 working day switching service, making it incredibly easy to move to a new current account. The switching service does the work for you, so instead of you having to take care of moving all your payments that go in (like your salary ) and out (like your rent or mortgage), the bank does it all for you. And if they get it wrong you will be refunded any lost interest, fines or charges that occur as a result of the switch in the first 13 months. Bear in mind that your old account will have to be closed for the rules to apply.
Find out more from the payments council.

Current Accounts Results

1 - 25 of 25 current accounts

The interest rate results are based on being £1,000 in credit, and overdraft rate results are based on being £500 in debit.

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    and more... No account extras
    Free to use

    Representative Example:

    FEATURES

    In credit interest rates
    Introductory rates
    Authorised Overdraft Typical Rate(s)

    No overdraft facility

    Authorised Overdraft Fee(s)
    Unauthorised Overdraft Typical Rate(s)

    No overdraft facility

    Unauthorised Overdraft Fee(s)
    Maximum Overdraft Fees
    Authorised Arrangement Fee(s)
    Authorised Review Fee(s)
    Overdraft Buffer
    Account Access

    Rate Guarantee

    Other

    BENEFITS

    Bank Card

    ATM Daily Limit

    Other

    TO APPLY

    Age

    Income

    Investment Accounts

    Savings accounts

    Payments

    Opening Deposit

    Regular funding/income

    Account Fee

    Free to use

    Reverts To:

    Free to use

    Free to use

    Free to use

    Other

1 - 25 of 25 current accounts

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ABOUT THIS SERVICE

To help you compare and find the right product for your requirements, Confused.com has selected lovemoney.com financial services to provide you with this service. If you would like more information about lovemoney.com financial services, or how your data will be used, please click on the links below.

lovemoney.com financial services and Confused.com will not charge you a fee for using this service, but you should check with your chosen provider if they will charge a fee for giving you credit.

The table shows a range of products from the market. We work with Financial Service providers to show their best deals. The table is ranked by the annual equivalent rate (high to low).

lovemoney.com financial services and Confused.com receive commission from your chosen provider when you choose a product from the table.

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Understanding current accounts

Why should I switch my account?

People often don’t think about changing their current account, but by shopping around, just as you would for a credit card or car insurance, you could get a much better deal. Are you finding you pay a lot in overdraft fees, or do you have a balance just sitting there and not earning any interest? Loyalty often doesn’t pay!

What is a basic bank account?

Basic bank accounts are simple, ‘no-frills’ bank accounts that are normally offered to people on low incomes or with poor credit ratings. They’re similar to conventional current accounts and customers are given a cash card which enables them to take out money from an ATM. Customers may also be offered a debit card.

However, basic bank accounts never include cheque books and it’s impossible for a customer to go overdrawn. If there aren’t sufficient funds in an account to pay for a transaction, the transaction won’t go through.

What is a packaged account?

A packaged account is a bank account that comes with extra features. These may include mobile phone insurance, breakdown cover or travel insurance, and will usually charge a monthly fee.

Whether you need a packaged account depends on how much use you’ll get out of what’s included. If you drive then you might find one that includes roadside assistance useful, but on the other hand if you won’t be going on holiday this year, you may not benefit from free travel insurance. If you would have bought the products anyway, then you may save money, despite the monthly fee. It’s worth thinking carefully about whether you need the benefits on offer.

What is an overdraft account?

If you ever need just a little more money (or think you ever may) to tide you over until payday, an overdraft account could be for you. An overdraft occurs when money is withdrawn from an account and the available balance goes below zero- known as being ‘overdrawn’. Some banks will allow you to set up an ‘authorised overdraft’, which may charge you an agreed interest rate or fee, or nothing at all. Think of an overdraft as a kind of ‘buffer’, so you can avoid big unauthorised overdraft fees. It’s important to remember though that overdraft accounts should only be used if you know you’ll be able to replace the money. If you need more money for a big purchase, you may be better off with a credit card or a loan.