86 results found...

CardOneBanking

Account Fee & Requirements

Monthly Fee
£12.50

Minimum Monthly Credit

None

Maximum Interest (AER) [?]

0%

Cumberland Day2Day (24+)

Account fee & requirements

No monthly fee, pay in £200+ per month

Arranged overdraft

£15 buffer

Interest rate

0% AER

Danske Bank Danske Choice

Account fee & requirements

No monthly fee

Arranged overdraft

£100 interest free with a £5 buffer, then £12 per month & 16.35% EAR variable

Interest rate

0% AER

The listings below are non-affiliated with us

Royal Bank of Scotland Reward Platinum => £1500 per month

Account fee & requirements

£19 per month, pay in £1,500+ per month

Arranged overdraft

£250 interest free with a £10 buffer, then £6 per month & 19.89% EAR variable

Interest rate

0% AER

Royal Bank of Scotland Select Account

Account fee & requirements

No monthly fee

Arranged overdraft

£10 buffer, then £6 per month & 19.89% EAR variable

Interest rate

0% AER

Royal Bank of Scotland Reward Silver => £1500 per month

Account fee & requirements

£12 per month, pay in £1,500+ per month

Arranged overdraft

£10 buffer, then £6 per month & 19.89% EAR variable

Interest rate

0% AER

B Current

Account fee & requirements

No monthly fee

Arranged overdraft

£10 buffer, then £6 per month & 12.5% EAR variable

Interest rate

0.5% AER (on up to £2,000)

Bank of Cyprus UK Online Personal Current Account

Account fee & requirements

No monthly fee

Arranged overdraft

£50 buffer

Interest rate

0% AER

Bank of Ireland Clear Account

Account fee & requirements

No monthly fee

Arranged overdraft

15.5% EAR variable

Interest rate

0% AER

Barclays Bank Account

Account fee & requirements

No monthly fee

Arranged overdraft

£15 buffer, then up to £3 per day

Interest rate

0% AER

Tesco Bank Current Account

Account fee & requirements

No monthly fee

Arranged overdraft

18.9% EAR variable

Interest rate

3% AER (on up to £3,000)

Nationwide FlexDirect => £1,000 per month

Account fee & requirements

No monthly fee, pay in £1,000+ per month

Arranged overdraft

12 month interest free with a £10 buffer, then 50p per day

Interest rate

5% AER (on up to £2,500)

NatWest Select Account

Account fee & requirements

No monthly fee

Arranged overdraft

£10 buffer, then £6 per month & 19.89% EAR variable

Interest rate

0% AER

Santander Everyday Current Account

Account fee & requirements

No monthly fee

Arranged overdraft

£12 buffer, then up to £3 per day

Interest rate

0% AER

Nationwide FlexAccount

Account fee & requirements

No monthly fee

Arranged overdraft

£15 buffer, then 18.9% EAR variable

Interest rate

0% AER

NatWest Reward Account

Account fee & requirements

£2 per month

Arranged overdraft

£10 interest free with a £10 buffer, then £6 per month & 19.89% EAR variable

Interest rate

0% AER

Nationwide FlexPlus

Account fee & requirements

£13 per month

Arranged overdraft

£250 interest free with a £10 buffer, then 50p per day

Interest rate

3% AER (on up to £2,500)

Royal Bank of Scotland Reward Platinum Account

Account fee & requirements

£20 per month

Arranged overdraft

£250 interest free with a £10 buffer, then £6 per month & 19.89% EAR variable

Interest rate

0% AER

Royal Bank of Scotland Reward Silver Account

Account fee & requirements

£10 per month .

Arranged overdraft

£10 buffer, then £6 per month & 19.89% EAR variable

Interest rate

0% AER

Santander 123 Current Account

Account fee & requirements

£5 per month, pay in £500+ per month

Arranged overdraft

£12 buffer, then up to £3 per day

Interest rate

1.5% AER (on up to £20,000)

Santander 123 Lite Current Account

Account fee & requirements

£1 per month, pay in £500+ per month

Arranged overdraft

£12 buffer, then up to £3 per day

Interest rate

0% AER

Barclays Bank Account + Blue Rewards

Account fee & requirements

£3 per month, pay in £800+ per month

Arranged overdraft

£15 buffer, then up to £3 per day

Interest rate

0% AER

NatWest Reward Silver Account

Account fee & requirements

£10 per month

Arranged overdraft

£10 buffer, then £6 per month & 19.89% EAR variable

Interest rate

0% AER

NatWest Reward Platinum Account

Account fee & requirements

£20 per month

Arranged overdraft

£250 interest free with a £10 buffer, then £6 per month & 19.89% EAR variable

Interest rate

0% AER

Royal Bank of Scotland Reward Account

Account fee & requirements

£2 per month

Arranged overdraft

£10 interest free with a £10 buffer, then £6 per month & 19.89% EAR variable

Interest rate

0% AER

Bank of Cyprus UK Personal Current Account

Account fee & requirements

No monthly fee

Arranged overdraft

£50 buffer

Interest rate

0% AER

Bank of Ireland Clear Account

Account fee & requirements

No monthly fee

Arranged overdraft

15.79% EAR variable

Interest rate

0% AER

Bank of Ireland Basic Cash Account

Account fee & requirements

No monthly fee

Arranged overdraft

-

Interest rate

0% AER

Bank of Ireland Graduate Account

Account fee & requirements

No monthly fee

Arranged overdraft

8.03% EAR variable

Interest rate

0% AER

Bank of Scotland Classic Account

Account fee & requirements

No monthly fee

Arranged overdraft

1p per £7 overdrawn per day

Interest rate

0% AER

Bank of Scotland Platinum Account

Account fee & requirements

£19 per month

Arranged overdraft

£300 interest free, then 1p per £7 overdrawn per day

Interest rate

0% AER

Bank of Scotland Vantage Classic Account

Account fee & requirements

No monthly fee, pay in £1,000+ per month

Arranged overdraft

1p per £7 overdrawn per day

Interest rate

1.5% AER (on up to £5,000)

Bank of Scotland Vantage Platinum Account

Account fee & requirements

£19 per month, pay in £1,000+ per month

Arranged overdraft

£300 interest free, then 1p per £7 overdrawn per day

Interest rate

1.5% AER (on up to £5,000)

Bank of Scotland Basic Account

Account fee & requirements

No monthly fee

Arranged overdraft

-

Interest rate

0% AER

Barclays Higher Education Account

Account fee & requirements

No monthly fee

Arranged overdraft

£3,000 interest free for up to 1 year

Interest rate

0% AER

Barclays Basic Current Account

Account fee & requirements

No monthly fee

Arranged overdraft

-

Interest rate

0% AER

Barclays Bank Account (Tech) Ex/C

Account fee & requirements

£12.50 per month

Arranged overdraft

£200 interest free, then up to £3 per day

Interest rate

0% AER

Barclays Bank Account (Travel Plus) Ex/C

Account fee & requirementa

£15.50 per month

Arranged overdraft

£200 interest free, then up to £3 per day

Interest rate

0% AER

Barclays Bank Account (Travel) Ex/C

Account fee & requirements

£10.50 per month

Arranged overdraft

£200 interest free, then up to £3 per day

Interest rate

0% AER

Barclays Bank Account (Tech) + Blue Rewards Ex/C

Account fee & requirements

£15.50 per month, pay in £800+ per month

Arranged overdraft

£200 interest free, then up to £3 per day

Interest rate

0% AER

Barclays Bank Account (Travel Plus) + Blue Rewards Ex/C

Account fee & requirements

£18.50 per month, pay in £800+ per month

Arranged overdraft

£200 interest free, then up to £3 per day

Interest rate

0% AER

Barclays Bank Account (Travel) + Blue Rewards Ex/C

Account fee & requirements

£13.50 per month, pay in £800+ per month

Arranged overdraft

£200 interest free, then up to £3 per day

Interest rate

0% AER

Barclays Higher Education Account + Blue Rewards

Account fee & requirements

£3 per month, pay in £800+ per month

Arranged overdraft

£3,000 interest free for up to 1 year

Interest rate

0% AER

Clydesdale Bank Signature Current Account

Account fee & requirements

£13.50 per month

Arranged overdraft

£10 buffer, then £6 per month & 12.5% EAR variable

Interest rate

0% AER

Clydesdale Bank Readycash Current Account

Account fee & requirements

No monthly fee

Arranged overdraft

-

Interest rate

0% AER

Clydesdale Bank Current Account Control

Account fee & requirements

£7.50 per month

Arranged overdraft

£25 buffer, then £6 per month & 18.85% EAR variable

Interest rate

0% AER

Cumberland Plus

Account fee & requirements

No monthly fee, pay in £750+ per month

Arranged overdraft

£15 buffer, then 14.99% EAR variable

Interest rate

0.1% AER

Cumberland Day2Day (24+)

Account fee & requirements

No monthly fee, pay in £200+ per month

Arranged overdraft

£15 buffer

Interest rate

0% AER

Danske Bank Danske Choice

Account fee & requirements

No monthly fee

Arranged overdraft

£100 interest free with a £5 buffer, then £12 per month & 16.35% EAR variable

Interest rate

0% AER

Danske Bank Danske Freedom

Account fee & requirements

No monthly fee

Arranged overdraft

£3,000 interest free with a £5 buffer

Interest rate

0% AER

Danske Bank Danske Cash Reward => £1200 per month

Account fee & requirements

£2 per month, pay in £1,200+ per month

Arranged overdraft

£100 interest free with a £5 buffer, then £12 per month & 18.67% EAR variable

Interest rate

0% AER

Danske Bank Danske Standard

Account fee & requirements

No monthly fee

Arranged overdraft

£5 buffer

Interest rate

0% AER

First Direct 1st Account

Account fee & requirements

No monthly fee, pay in £1,000+ per month

Arranged overdraft

£250 interest free with a £10 buffer, then 15.9% EAR variable

Interest rate

0% AER

First Direct 1st Account (with first directory)

Account fee & requirements

£15 per month

Arranged overdraft

£250 interest free with a £10 buffer, then 15.9% EAR variable

Interest rate

0% AER

First Trust Bank Classic Account

Account fee & requirements

No monthly fee

Arranged overdraft

£200 interest free with a £15 buffer, then £7 per month

Interest rate

0% AER

First Trust Bank Graduate Bank Account

Account fee & requirements

No monthly fee

Arranged overdraft

£1,000 interest free for up to 3 years

Interest rate

0% AER

Halifax Ultimate Reward Current Account

Account fee & requirements

£15 per month, pay in £750+ per month

Arranged overdraft

£300 interest free, then 1p per £7 overdrawn per day

Interest rate

0% AER

Halifax Reward Current Account => £750 per month

Account fee & requirements

No monthly fee, pay in £750+ per month

Arranged overdraft

1p per £7 overdrawn per day

Interest rate

0% AER

Halifax Reward Current Account

Account fee & requirements

No monthly fee

Arranged overdraft

1p per £7 overdrawn per day

Interest rate

0% AER

Halifax Basic Account

Account fee & requirements

No monthly fee -

Arranged overdraft

-

Interest rate

0% AER

HSBC Advance

Account fee & requirements

No monthly fee, pay in £1,750+ per month

Arranged overdraft

17.9% EAR variable

Interest rate

0% AER

HSBC Bank Account

Account fee & requirements

No monthly fee, pay in £500+ per month

Arranged overdraft

£10 buffer, then 19.9% EAR variable

Interest rate

0% AER

HSBC Graduate Bank Account

Account fee & requirements

No monthly fee ,

Arranged overdraft

then 19.9% EAR variable

Interest rate

0% AER

HSBC Basic Bank Account

Account fee & requirements

No monthly fee

Arranged overdraft

£10 buffer

Interest rate

0% AER

HSBC Bank Account Pay Monthly

Account fee & requirements

£10 per month, pay in £500+ per month

Arranged overdraft

£50 buffer, then 19.9% EAR variable

Interest rate

0% AER

ICICI Bank UK HomeVantage Current Account

Account fee & requirements

No monthly fee

Arranged overdraft

-

Interest rate

0% AER

Lloyds Bank Classic Account

Account fee & requirements

No monthly fee

Arranged overdraft

1p per £7 overdrawn per day

Interest rate

0% AER

Royal Bank of Scotland Graduate Account Ex/C

Account fee & requirements

No monthly fee ,

Arranged overdraft

then 9.9% EAR variable

Interest rate

0% AER

Royal Bank of Scotland Foundation Account

Account fee & requirements

-

Arranged overdraft

No monthly fee

Interest rate

0% AER

Royal Bank of Scotland Reward < £1500 per month

Account fee & requirements

£2 per month

Arranged overdraft

£10 interest free with a £10 buffer, then £6 per month & 19.89% EAR variable

Interest rate

0% AER

Royal Bank of Scotland Reward Platinum < £1500 per month

Account fee & requirements

£20 per month

Arranged overdraft

£250 interest free with a £10 buffer, then £6 per month & 19.89% EAR variable

Interest rate

0% AER

Royal Bank of Scotland Reward Silver < £1500 per month

Account fee & requirements

£10 per month

Arranged overdraft

£10 interest free with a £10 buffer, then £6 per month & 19.89% EAR variable

Interest rate

0% AER

Santander Basic Current Account

Account fee & requirements

No monthly fee

Arranged overdraft

-

Interest rate

0% AER

Smile Current Account

Account fee & requirements

No monthly fee

Arranged overdraft

18.9% EAR variable

Interest rate

0% AER

State Bank of India Current Account

Account fee & requirements

No monthly fee

Arranged overdraft

-

Interest rate

0% AER

Tesco Bank Current Account < £750 per month

Account fee & requirements

No monthly fee

Arranged overdraft

18.9% EAR variable

Interest rate

0% AER

The Co-operative Bank Current Account

Account fee & requirements

No monthly fee

Arranged overdraft

18.9% EAR variable

Interest rate

0% AER

The Co-operative Bank Cashminder

Account fee & requirements

No monthly fee

Arranged overdraft

-

Interest rate

0% AER

The Co-operative Bank Current Account + Everyday Rewards

Account fee & requirements

No monthly fee, pay in £800+ per month

Arranged overdraft

18.9% EAR variable

Interest rate

0% AER

The Co-operative Bank Everyday Extra + Everyday Rewards Ex/C

Account fee & requirements

£15 per month, pay in £800+ per month

Arranged overdraft

18.9% EAR variable

Interest rate

0% AER

The Co-operative Bank Everyday Extra Ex/C

Account fee & requirements

£15 per month

Arranged overdraft

18.9% EAR variable

Interest rate

0% AER

Ulster Bank Select Account

Account fee & requirements

No monthly fee

Arranged overdraft

£10 interest free with a £10 buffer, then £6 per month & 19.89% EAR variable

Interest rate

0% AER

Ulster Bank U First Gold Account

Account fee & requirements

£10 per month

Arranged overdraft

£250 interest free with a £10 buffer, then £6 per month & 19.89% EAR variable

Interest rate

0% AER

Ulster Bank Graduate Account

Account fee & requirements

No monthly fee

Arranged overdraft

£1,500 interest free for up to 1 year

Interest rate

0.01% AER

Ulster Bank Foundation Account

Account fee & requirements

No monthly fee -

-

Interest rate

0% AER

United Bank UK ACE Current Account

Account fee & requirements

No monthly fee -

Arranged overdraft

-

Interest rate

0% AER

Yorkshire Bank Signature Current Account

Account fee & requirements

£13.50 per month

Arranged overdraft

£10 buffer, then £6 per month & 12.5% EAR variable

Interest rate

0% AER

Yorkshire Bank Readycash Current Account

Account fee & requirements

No monthly fee -

-

Interest rate

0% AER

Yorkshire Bank Current Account Control

Account fee & requirements

Arranged overdraft

£7.50 per month £25 buffer, then £6 per month & 18.85% EAR variable

Interest rate

0% AER



Compare Current Accounts with Money Pug

Choosing a current account is a decision that it is important to take seriously. A current account is the main account that you will use for your money on a day to day basis, so it is important to make sure that it is the right one for you. Since you will use a current account day in and day out, it is one of the most important financial instruments and it is even more crucial that you get the one that best meets your own specific wants and needs. Money Pug can help you make sure that you make the right decision by allowing you to compare current accounts from all the major banks and building societies.


What Do I Need To Consider Before Choosing a Current Account?

The good news is that you can begin comparing current accounts right away. Anyone can get a current account. There are plenty of different options on the market so even if your financial circumstances are less than ideal, you can find the right deal for you when you compare with Money Pug to find your current account. To help you find the right option for a current account to suit your lifestyle, here are some of the things you should consider:

  • How much do you anticipate putting into and taking out of your current account each month?
  • Will you need an overdraft on the account?
  • Do you regularly need to move money between accounts?
  • Are there any extra features that you would like on your current account?

What Current Account Types are Available?

There are many different bank account options in the marketplace and choosing one can seem overwhelming. When it comes to current accounts, however, things are surprisingly simple. Most current accounts will fit into one of the following categories. Deciding which of these types of current account is right for you will help you to significantly narrow down all the options and find the right choice for your needs.


Standard Bank Accounts

Standard bank accounts are often known as current accounts and these are flexible and multi-purpose accounts that are held my most people in the UK. These are the standard accounts into which you can have your salary paid. These accounts also allow you to conduct all your everyday household business, such as paying bills and setting up direct debits. These accounts will usually have a debit card, which will allow you to pay for items and make cash withdrawals.


Packaged Accounts

To try to encourage consumers to choose their option, banks and building societies will often provide packaged account deals. In such cases, a standard account is paired with additional extras. These extras often include things like travel insurance, mobile phone insurance, breakdown cover or cashback on purchases. While these packaged accounts can be worth looking in to, they will come with a monthly or annual fees, so it is important to check that they actually will save you money. Weigh up all the benefits and make sure than a packaged account really would work for you.


Student Accounts

If you are a student then it is definitely worthwhile getting a specific student account. These current accounts for students are geared towards your needs. They often come with handy features such as interest-free overdrafts and other added extras that can make these accounts a worthwhile option for those who are at college or university.


Graduate Accounts

Once your student days are over, you may wish to look into getting a specific graduate account. These accounts are specifically designed for those who have finished a university degree and often offer excellent introductory rates including things like 0% overdraft fees for three years and free day to day banking with online and mobile banking options. A graduate account can often also give additional preferential access to other financial products such as personal loans.


Basic Bank Accounts

If you have a poor credit rating or are new to the country, you may find it difficult to get a standard bank account. You will, however, be able to get a basic bank account into which you will be able to deposit your money and withdraw it. There will be no overdraft facility and these really are a basic option, but anyone can get one of these basic bank accounts so this is a place to turn if you’ve had problems being accepted for a different kind of account.


What Factors are Important When Choosing a Current Account?

While there are a lot of different factors that you should consider when choosing a current account, these three factors are definitely amongst the most important things to take into account when making your decision:

Interest Rates (AER)

The Annual Equivalent Rate (AER) is the variable interest rate on your account when your balance is in credit. This shows how much interest you will get at the end of the year. It is worthwhile considering this figure, as it will often be best to choose the account with the best saving rate.

Account Fee

The account fee is the amount that you will have to pay each year in order to hold a certain account. There is usually no fee for a standard bank account, though packaged accounts do often have a charge and you should think about whether the added extras offered make it worthwhile to pay this fee.

Overdraft Details

It is also important to note whether or not the account you are looking at has an overdraft facility, and if it does, how much you will be charged if you find yourself overdrawn. Certain accounts are more generous than others when it comes to their overdraft policy. If you regularly find yourself overdrawn at the end of the month then it is definitely very important to pay close attention to any related charges that you may incur and to choose a current account with a more lenient and generous overdraft policy.

There are many different things that you might like to consider when it comes to choosing a current account and deciding who to bank with. But when you compare with Money Pug, the whole process is a lot easier and you will find it far simpler to get what you want and what you need when it comes to your everyday money needs. Compare today to take back control for your day to day finances and rest easy knowing that you’ve found the right option for you.

Who Can Get A Current Account?

In the UK, everyone over the age of 16  who is a legal British resident can get some form of current account (though it may only be a basic one). Some banks may only provide bank accounts to those who are over 18, while others may require your parents to sign off if you are a teenager. You need to be able to prove who you are and should bring ID with you to open an account, as well as evidence of your current address. Some banks might also insist that you pay in a minimum amount each month. If you cannot do this, or your credit rating is bad, you will still be able to get a basic bank account.

Should I Get a Joint Account?

Should I Get a Joint Account? In addition to opening a sole current account, you can also look into and compare joint current accounts, which can be held in common with a partner, or with (for example) student housemates who wish to make deposits into a communal account to pay the household bills. While a joint account can be useful for those with financial interests in common, it is important to trust those with whom you wish to share a joint account, as any account holder will be able to withdraw funds from a current account at any time.

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