Compare the best UK current accounts

Choosing a current account that works for you

Your current account is the hub of your financial life, so it pays to choose well. The Current Account Switch Service makes moving banks straightforward — it takes seven working days, moves your direct debits and standing orders automatically, and redirects payments for three years. Many UK banks offer cash incentives to switch, sometimes worth well over £150, alongside perks like interest on your balance, fee-free spending abroad, or monthly cashback. Packaged accounts bundle insurance and other benefits for a monthly fee, which can be worth it if you would use everything included. Below we compare switch bonuses, monthly fees, rewards and standout features so you can weigh the real value. Bonuses and rewards are subject to eligibility and terms, and you usually need to move a minimum number of direct debits to qualify.

Compare with confidence, then apply directly or request a callback and our team will help you choose.

What to check before you apply

• The representative APR or AER, not just the headline offer
• Any monthly, annual or transfer fees
• Eligibility criteria and whether a soft search is available
• How the product is protected (FSCS, Section 75)
• The provider’s own terms and conditions in full