All Current Accounts

NatWest Select Account

Overdraft Fee
£8
Account Overdraft (EAR)
19.89%
Interest rate
0.00%

2% Rewards on household bills paid by Direct Debit. At least 1% Rewards at NatWest Partner retailers and in personalised offers

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Nationwide FlexAccount

Overdraft Fee
£5
Account Overdraft (EAR)
18.9%
Interest rate
0.00%

This account could be right for you if you’re looking for an account with no monthly fee, 3 months interest-free arranged overdraft and use of a full range of methods for managing your money. 3 months interest-free overdraft. No overdraft interest for the first 3 months on arranged overdrafts. No monthly account fee. That's right, no monthly fee just for keeping your account with Nationwide!

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TSB Classic Account

Overdraft Fee
£6
Account Overdraft (EAR)
19.84%
Interest rate
0.00%

24 hour money - take control of your bank account round the clock through Internet Banking, Telephone Banking and TSB's Mobile Banking app, as well as over 550 branches in the UK. And thanks to your Visa debit card, you can access cash machines worldwide, too. See what you spend - when you’re signed-up to Internet Banking, keep track of your money across your TSB personal current and credit card accounts with Money Planner. It’s a free online tool that gives you a unique view of your spending.

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Santander Everyday Current Account

Overdraft Fee
£6
Account Overdraft (EAR)
0% for 1st 4 months for switching
Interest rate
0.00%

24/7 access to your account using Online, Mobile and Telephone Banking. Access nationwide via their branch network. Free text and email alerts about your account. Visa debit card for making purchases and accessing your money at cash machines. Remember, if you switch your current account to Santander, they move it across in 7 working days, so you can start making the most of your account.

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Barclays Bank Account

Overdraft Fee
£5
Account Overdraft (EAR)
£200 fee free when you add a pack
Interest rate
0% AER

Apply for an overdraft of up to £5,000 (subject to status) It's safe and simple – Barclays guarantee to move all your payments within 7 working days. Award winning online and mobile banking – add features like travel insurance, mobile phone cover and moreCreate your own debit card that’s a little more you.

 

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How do I choose the right current account? 

Selecting the right current account can be difficult when there are so many options to choose from. To decide which account is best for you, it’s important to think about how you plan on managing your money. 

Firstly, you should consider how likely it is that you will need an overdraft facility. If you’re often in the red, you need to pay attention to overdraft rates. The balance in your account is also a factor to consider to get an idea of how much interest you are likely to earn throughout the year. Some current accounts will provide higher interest rates than savings accounts, but they tend to impose limits on the balance they’ll pay interest on.

Some current accounts offer extra financial products bundled with them, such as a saving account, travel insurance or breakdown cover. These are known as ‘packaged accounts’ and can potentially save you money and time. Though it is worth calculating whether it would be cheaper to purchase these extras separately to get a better deal. 

Many current accounts offer a switching incentive when you move to them. However, this shouldn’t be the primary reason for moving. You should, instead, look at the overall benefits and decide whether the account in question is going to meet your individual needs. 

FAQs about current accounts

Why should I change current account?

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Is it easy to open a new current account?

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How do I switch to a different current account?

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Can I have more than one current account?

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Can I open a current account if I have a low credit score?

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Do I need an overdraft?

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How do overdrafts work?

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What will happen to my money if the bank goes bust?

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