Nationwide Building Society
FlexDirect Current Account
Member-owned society with introductory in-credit interest and branch access.
- Monthly cost
- Free
- Access
- Instant, branch + app
Best Bank Accounts
Current accounts differ on overdraft costs, switching incentives, app quality and interest paid on balances. Compare the total cost of how you actually bank, not just the headline offer.
What to compare
- Monthly account fee, and what it genuinely buys you
- Arranged and unarranged overdraft rates (shown as an EAR)
- Switching bonus and the conditions attached to it
- Debit card fees for spending or withdrawing cash abroad
- FSCS deposit protection — up to £120,000 per eligible person, per authorised firm; accounts sharing a banking licence share the limit
Providers in this comparison
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Monzo Bank
Monzo Current Account
App-only bank with strong budgeting tools and fee-free spending abroad.
- Monthly cost
- Free
- Access
- Instant, app only
Starling Bank
Starling Personal Current Account
Digital bank with fee-free overseas use and Post Office cash deposits.
- Monthly cost
- Free
- Access
- Instant, app only
Chase UK (JPMorgan Chase)
Chase Current Account
App-based account with conditional cashback on eligible spending and linked savings.
- Monthly cost
- Free
- Access
- Instant, app only — no overdraft
NatWest
Reward Current Account
Monthly rewards for qualifying Direct Debits, subject to account eligibility.
- Monthly cost
- £2/month
- Access
- Instant, branch + app
Barclays
Bank Account with Blue Rewards
Paid rewards tier with cashback perks alongside a full-service high-street account.
- Monthly cost
- £5/month
- Access
- Instant, branch + app
Lloyds Bank
Club Lloyds Current Account
High-street account with lifestyle benefits and in-credit interest.
- Monthly cost
- £5/month; refunded when £2,000+ is paid in monthly
- Access
- Instant, branch + app
Santander UK
Santander Edge Current Account
Cashback account with linked savings and branch access.
- Monthly cost
- £3/month
- Access
- Instant, branch + app
HSBC UK
Advance Bank Account
Full-service account from a global bank with broad UK access.
- Monthly cost
- Free
- Access
- Instant, branch + app
TSB Bank
Spend & Save Current Account
Everyday account with conditional cashback for the first six calendar months.
- Monthly cost
- Free
- Access
- Instant, branch + app
Lloyds Bank
Current Account Range
Established UK bank with branch and digital current-account options.
- Monthly cost
- Varies by account
- Access
- Instant access
Your side-by-side comparison
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Examples are educational, not personalised recommendations or live quotes. Confirm eligibility, current rates and fees directly with each provider.