Our Top Current Account

TSB
- Classic Plus Account -

  • 3% AER paid monthly*
  • Up to £10 cashback every month**
  • No monthly account fee
  • Offer starts 1st March

*minimum payment of £500 required to qualify. Interest valid on balances up to £1,500. Register for internet banking and paperless correspondence to qualify

**£5 cashback every month just for regularly spending with your debit card (minimum of 20 debit card payments per month) and £5 cashback every month just for paying two direct debits). Ends June 2018

Compare
Current Accounts

Choose from a range of great current accounts using our free and impartial comparison service

Compare the best Current Accounts

Nationwide Building Society - FlexPlus

monthly
Interest Payment

3%
Gross Rate

0%
Rate EAR (variable)

£250
Overdraft Limit

TSB - Classic Plus Account => £500 per month

monthly
Interest Payment

3%
Gross Rate

19.84%
Rate EAR (variable)

£25
Overdraft Limit

Tesco Bank - Current Account => £750 per month

monthly
Interest Payment

3%
Gross Rate

18.9%
Rate EAR (variable)

£0
Overdraft Limit

Lloyds Private Banking - Club Lloyds Mayfair Current Account

monthly
Interest Payment

2%
Gross Rate

9.9%
Rate EAR (variable)

£0
Overdraft Limit

Lloyds Bank - Club Lloyds

monthly
Interest Payment

2%
Gross Rate

0%
Rate EAR (variable)

£100
Overdraft Limit

Lloyds Bank - Club Lloyds Platinum Account Ex/C

monthly
Interest Payment

2%
Gross Rate

0%
Rate EAR (variable)

£300
Overdraft Limit

Lloyds Private Banking - Club Lloyds Private Account

monthly
Interest Payment

2%
Gross Rate

0%
Rate EAR (variable)

£0
Overdraft Limit

Bank of Scotland - Vantage Platinum Account

monthly
Interest Payment

2%
Gross Rate

0%
Rate EAR (variable)

£300
Overdraft Limit

Bank of Scotland - Vantage Classic Account

monthly
Interest Payment

2%
Gross Rate

0%
Rate EAR (variable)

£0
Overdraft Limit

Halifax - Expresscash

monthly
Interest Payment

1.51%
Gross Rate

0%
Rate EAR (variable)

£0
Overdraft Limit

Santander - 123 Current Account

monthly
Interest Payment

1.5%
Gross Rate

0%
Rate EAR (variable)

£0
Overdraft Limit

Bank of Scotland - Under 19s Account

quarterly
Interest Payment

1.5%
Gross Rate

0%
Rate EAR (variable)

£0
Overdraft Limit

Nationwide Building Society - FlexOne

monthly
Interest Payment

1%
Gross Rate

0%
Rate EAR (variable)

£0
Overdraft Limit

Barclays - BarclayPlus

quarterly
Interest Payment

0.75%
Gross Rate

0%
Rate EAR (variable)

£0
Overdraft Limit

Investec Bank - Voyage

monthly
Interest Payment

0.5%
Gross Rate

4.51%
Rate EAR (variable)

£1000
Overdraft Limit

Investec Bank - Private Bank Account

monthly
Interest Payment

0.25%
Gross Rate

0%
Rate EAR (variable)

£0
Overdraft Limit

B - B Current

monthly
Interest Payment

0.25%
Gross Rate

12.5%
Rate EAR (variable)

£0
Overdraft Limit

Cater Allen - Private Bank Account

monthly
Interest Payment

0.25%
Gross Rate

5.25%
Rate EAR (variable)

£0
Overdraft Limit

Clydesdale Bank - Private Current Account

monthly
Interest Payment

0.1%
Gross Rate

11.02%
Rate EAR (variable)

£0
Overdraft Limit

Yorkshire Bank - Private Current Account

monthly
Interest Payment

0.1%
Gross Rate

11.02%
Rate EAR (variable)

£0
Overdraft Limit

Cumberland - Plus

annually
Interest Payment

0.1%
Gross Rate

9.99%
Rate EAR (variable)

£0
Overdraft Limit

Bank of Cyprus - Online Personal Current Account

na
Interest Payment

0%
Gross Rate

0%
Rate EAR (variable)

£0
Overdraft Limit

Barclays - Bank Account

na
Interest Payment

0%
Gross Rate

0%
Rate EAR (variable)

£0
Overdraft Limit

Nationwide Building Society - FlexAccount

na
Interest Payment

0%
Gross Rate

18.9%
Rate EAR (variable)

£0
Overdraft Limit

Santander - Everyday Current Account

na
Interest Payment

0%
Gross Rate

0%
Rate EAR (variable)

£0
Overdraft Limit

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

na
Interest Payment

0%
Gross Rate

19.89%
Rate EAR (variable)

£10
Overdraft Limit

Royal Bank of Scotland - Reward Black => £1500 per month

na
Interest Payment

0%
Gross Rate

14.89%
Rate EAR (variable)

£500
Overdraft Limit

Royal Bank of Scotland - Select Account

na
Interest Payment

0%
Gross Rate

19.89%
Rate EAR (variable)

£10
Overdraft Limit

NatWest - Reward Black => £1500 per month

na
Interest Payment

0%
Gross Rate

14.89%
Rate EAR (variable)

£500
Overdraft Limit

NatWest - Reward Silver => £1500 per month

na
Interest Payment

0%
Gross Rate

19.89%
Rate EAR (variable)

£10
Overdraft Limit

NatWest - Select Account

na
Interest Payment

0%
Gross Rate

19.89%
Rate EAR (variable)

£10
Overdraft Limit

TSB - Classic Account

na
Interest Payment

0%
Gross Rate

19.84%
Rate EAR (variable)

£25
Overdraft Limit

Santander - Choice Current Account

na
Interest Payment

0%
Gross Rate

0%
Rate EAR (variable)

£0
Overdraft Limit

M&S Bank - Current Account < £1,000 per month

na
Interest Payment

0%
Gross Rate

15.9%
Rate EAR (variable)

£100
Overdraft Limit

Ulster Bank - U First Gold Account

na
Interest Payment

0%
Gross Rate

15.94%
Rate EAR (variable)

£500
Overdraft Limit

Ulster Bank - U First Private Account

na
Interest Payment

0%
Gross Rate

12.67%
Rate EAR (variable)

£1000
Overdraft Limit

NatWest - Reward < £1500 per month

na
Interest Payment

0%
Gross Rate

19.89%
Rate EAR (variable)

£10
Overdraft Limit

NatWest - Reward Black < £1500 per month

na
Interest Payment

0%
Gross Rate

14.89%
Rate EAR (variable)

£500
Overdraft Limit

NatWest - Reward Platinum < £1500 per month

na
Interest Payment

0%
Gross Rate

19.89%
Rate EAR (variable)

£250
Overdraft Limit

NatWest - Reward Private < £1500 per month

na
Interest Payment

0%
Gross Rate

19.89%
Rate EAR (variable)

£10
Overdraft Limit

NatWest - Reward Silver < £1500 per month

na
Interest Payment

0%
Gross Rate

19.89%
Rate EAR (variable)

£10
Overdraft Limit

Royal Bank of Scotland - Reward < £1500 per month

na
Interest Payment

0%
Gross Rate

19.89%
Rate EAR (variable)

£10
Overdraft Limit

Royal Bank of Scotland - Reward Black < £1500 per month

na
Interest Payment

0%
Gross Rate

14.89%
Rate EAR (variable)

£500
Overdraft Limit

Royal Bank of Scotland - Reward Platinum < £1500 per month

na
Interest Payment

0%
Gross Rate

19.89%
Rate EAR (variable)

£250
Overdraft Limit

Royal Bank of Scotland - Reward Private < £1500 per month

na
Interest Payment

0%
Gross Rate

19.89%
Rate EAR (variable)

£10
Overdraft Limit

Royal Bank of Scotland - Reward Silver < £1500 per month

na
Interest Payment

0%
Gross Rate

19.89%
Rate EAR (variable)

£10
Overdraft Limit

Tesco Bank - Current Account < £750 per month

na
Interest Payment

0%
Gross Rate

18.9%
Rate EAR (variable)

£0
Overdraft Limit

United Bank UK - ACE Current Account

na
Interest Payment

0%
Gross Rate

0%
Rate EAR (variable)

£0
Overdraft Limit

Barclays - Bank Account + Blue Rewards

na
Interest Payment

0%
Gross Rate

0%
Rate EAR (variable)

£0
Overdraft Limit

Barclays - Bank Account (Tech) + Blue Rewards

na
Interest Payment

0%
Gross Rate

0%
Rate EAR (variable)

£200
Overdraft Limit

Barclays - Bank Account (Travel Plus) + Blue Rewards

na
Interest Payment

0%
Gross Rate

0%
Rate EAR (variable)

£200
Overdraft Limit

Barclays - Bank Account (Travel) + Blue Rewards

na
Interest Payment

0%
Gross Rate

0%
Rate EAR (variable)

£200
Overdraft Limit

Barclays - Premier Current Account + Blue Rewards

na
Interest Payment

0%
Gross Rate

0%
Rate EAR (variable)

£1000
Overdraft Limit

Barclays - Premier Current Acc (Tech) + Blue Rewards

na
Interest Payment

0%
Gross Rate

0%
Rate EAR (variable)

£1000
Overdraft Limit

Barclays - Premier Current Account (Travel Plus)+Blue Rewards

na
Interest Payment

0%
Gross Rate

0%
Rate EAR (variable)

£1000
Overdraft Limit

Barclays - Premier Current Account (Travel) + Blue Rewards

na
Interest Payment

0%
Gross Rate

0%
Rate EAR (variable)

£1000
Overdraft Limit

Royal Bank of Scotland - Black Account

na
Interest Payment

0%
Gross Rate

14.89%
Rate EAR (variable)

£500
Overdraft Limit

Royal Bank of Scotland - Select Platinum

na
Interest Payment

0%
Gross Rate

19.89%
Rate EAR (variable)

£250
Overdraft Limit

Royal Bank of Scotland - Select Silver Account

na
Interest Payment

0%
Gross Rate

19.89%
Rate EAR (variable)

£10
Overdraft Limit

NatWest - Reward => £1500 per month

na
Interest Payment

0%
Gross Rate

19.89%
Rate EAR (variable)

£10
Overdraft Limit

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

na
Interest Payment

0%
Gross Rate

19.89%
Rate EAR (variable)

£10
Overdraft Limit

NatWest - Reward Private => £1500 per month

na
Interest Payment

0%
Gross Rate

19.89%
Rate EAR (variable)

£10
Overdraft Limit

Royal Bank of Scotland - Reward Private => £1500 per month

na
Interest Payment

0%
Gross Rate

19.89%
Rate EAR (variable)

£10
Overdraft Limit

M&S Bank - Current Account => £1,000 per month

na
Interest Payment

0%
Gross Rate

15.9%
Rate EAR (variable)

£100
Overdraft Limit

M&S Bank - Premium Current Account => £1,000 per month

na
Interest Payment

0%
Gross Rate

15.9%
Rate EAR (variable)

£100
Overdraft Limit

The Co-operative Bank - Current Account + Everyday Rewards

na
Interest Payment

0%
Gross Rate

18.9%
Rate EAR (variable)

£0
Overdraft Limit

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

na
Interest Payment

0%
Gross Rate

19.89%
Rate EAR (variable)

£250
Overdraft Limit

Nationwide Building Society - FlexDirect <£1,000 per month

na
Interest Payment

0%
Gross Rate

0%
Rate EAR (variable)

£0
Overdraft Limit

Barclays - Bank Account (Travel)

na
Interest Payment

0%
Gross Rate

0%
Rate EAR (variable)

£200
Overdraft Limit

Barclays - Bank Account (Tech)

na
Interest Payment

0%
Gross Rate

0%
Rate EAR (variable)

£200
Overdraft Limit

Barclays - Bank Account (Travel Plus)

na
Interest Payment

0%
Gross Rate

0%
Rate EAR (variable)

£200
Overdraft Limit

Barclays - Premier Current Account (Travel)

na
Interest Payment

0%
Gross Rate

0%
Rate EAR (variable)

£1000
Overdraft Limit

Barclays - Premier Current Account (Tech)

na
Interest Payment

0%
Gross Rate

0%
Rate EAR (variable)

£1000
Overdraft Limit

Barclays - Premier Current Account (Travel Plus)

na
Interest Payment

0%
Gross Rate

0%
Rate EAR (variable)

£1000
Overdraft Limit

Clydesdale Bank - Current Account Control

na
Interest Payment

0%
Gross Rate

18.85%
Rate EAR (variable)

£0
Overdraft Limit

Yorkshire Bank - Current Account Control

na
Interest Payment

0%
Gross Rate

18.85%
Rate EAR (variable)

£0
Overdraft Limit

Halifax - Reward Current Account < £750 per month

na
Interest Payment

0%
Gross Rate

0%
Rate EAR (variable)

£0
Overdraft Limit

HSBC - Bank Account Pay Monthly

na
Interest Payment

0%
Gross Rate

19.9%
Rate EAR (variable)

£0
Overdraft Limit

Bank of Scotland - Platinum Account

na
Interest Payment

0%
Gross Rate

0%
Rate EAR (variable)

£300
Overdraft Limit

Bank of Scotland - Classic Account

na
Interest Payment

0%
Gross Rate

0%
Rate EAR (variable)

£0
Overdraft Limit

M&S Bank - Premium Current Account < £1,000 per month

na
Interest Payment

0%
Gross Rate

15.9%
Rate EAR (variable)

£100
Overdraft Limit

NatWest - Reward Platinum => £1500 per month

na
Interest Payment

0%
Gross Rate

19.89%
Rate EAR (variable)

£250
Overdraft Limit

The Co-operative Bank - Everyday Extra Ex/C

na
Interest Payment

0%
Gross Rate

18.9%
Rate EAR (variable)

£0
Overdraft Limit

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

na
Interest Payment

0%
Gross Rate

18.9%
Rate EAR (variable)

£0
Overdraft Limit

HSBC - HSBC Advance

na
Interest Payment

0%
Gross Rate

17.9%
Rate EAR (variable)

£0
Overdraft Limit

Danske Bank - Danske Cash Reward

na
Interest Payment

0%
Gross Rate

18.38%
Rate EAR (variable)

£100
Overdraft Limit

Santander - 123 Lite Current Account

na
Interest Payment

0%
Gross Rate

0%
Rate EAR (variable)

£0
Overdraft Limit

Ulster Bank - Adapt Account 11-18 Year Olds

na
Interest Payment

0%
Gross Rate

0%
Rate EAR (variable)

£0
Overdraft Limit

Cumberland - Day2Day (24+)

na
Interest Payment

0%
Gross Rate

0%
Rate EAR (variable)

£0
Overdraft Limit

Cumberland - Day2Day (13-23)

na
Interest Payment

0%
Gross Rate

0%
Rate EAR (variable)

£0
Overdraft Limit

Citibank - Citi Plus Current Account

na
Interest Payment

0%
Gross Rate

16.9%
Rate EAR (variable)

£500
Overdraft Limit

Citibank - Citigold Current Account (Citigold Private Client)

na
Interest Payment

0%
Gross Rate

9.9%
Rate EAR (variable)

£500
Overdraft Limit

HSBC - MyAccount

na
Interest Payment

0%
Gross Rate

0%
Rate EAR (variable)

£0
Overdraft Limit

Post Office Money - Standard Account

na
Interest Payment

0%
Gross Rate

14.9%
Rate EAR (variable)

£0
Overdraft Limit

ICICI Bank UK Plc - HomeVantage Current Account

na
Interest Payment

0%
Gross Rate

0%
Rate EAR (variable)

£0
Overdraft Limit

State Bank of India - Current Account

na
Interest Payment

0%
Gross Rate

0%
Rate EAR (variable)

£0
Overdraft Limit

Current Accounts

What are Current Accounts

A current account is a flexible, transactional account offering easy access to your money as well as easy methods of payment and transferring money to others (by direct debit or standing order).

A current account is the basic form of bank account in the UK for both business and personal banking. Generally, current accounts come with cheque books and the opportunity to take out an overdraft or an offset mortgage.

Helping You Find the Best Current Account

Here at Money Expert we promise to find you the best bank account possible to help you look after your money

The most basic things to look for when searching for the right current account for you are things like the interest rates and the lending service offered. If the current account offers a lending service this will usually be in the form of an overdraft (generally with increased interest rates).

As well as the more basic aspects of the account, banks will often offer other perks and benefits with their best current accounts, such as free travel cards or cheap insurance.

Switching Current Accounts Made Easy

Thanks to our simple current account comparison service, comparing current accounts with Money Expert is both quick and free and we'll find you the best accounts available for you. Once you've chosen an account which suits your needs, you new provider will make switching arrangements on your behalf

The Current Account Switching Service, launched back in 2013, which covers more than 99% of the UK's current accounts, guarantees you a hassle free switch, including ensuring that all direct debits and standing orders get moved over to your new account without any problems.

FAQ

  • How much interest can I earn?

    Rates can vary drastically with different accounts. Often, if your chosen account comes with extra perks, these will come at the expense of better rates. If maximising the interest you earn is important to you, then make that clear when you run a comparison and we can make sure we show you the right accounts.

  • Will I have to pay for my current account?

    There are plenty of fee-free current accounts available, but these will be the more basic accounts with few perks other than an optional overdraft. There is an increasing number of current accounts that do charge fees in return for various extras from free insurance policies to cash back, which can often be worth the extra money each month.
    You will need to pay a fee if you go overdrawn without previously arranging an overdraft and these fees will vary from bank to bank. You'll also usually be charged if you use your card abroad and again, different banks will have different policies regarding exactly who much you'll have to pay.

  • What is a basic bank account?

    Basic bank accounts are restricted current accounts designed specifically for those with bad credit ratings who have trouble opening up certain better current accounts.
    Basic bank accounts come with far fewer features than conventional current accounts, indeed you will find that many won’t come with debit cards but rather will come with just a cash card that you can use to withdraw money from an ATM, but that you won’t be able to use in store.

  • Can I open a current account with my partner or friend?

    Yes, you can open up a joint current account with a partner or friend, or multiple friends. Joint accounts are great for married couples to share finances, or for groups of friends living together to have one account to deal with group expenses such as utility bills or television license fees.

Latest News

21st June

PPF Cast Doubt Over British Steel Penson Schema

Pensions, Steel

21st June

HSBC Offer New Record Low Mortgage Rate

Mortgages

21st June

Asda Income Tracker Shows Disposable Income at 8 Year High

Consumer Spending

21st June

Rightmove Report Asking Prices at Record Highs

Brexit, Housing