Compare Current Accounts Choosing the right current account is essential to managing your finances effectively. Select your preferred type of bank account and compare them below. Choose type of account Show all accounts Student accounts Under 18s accounts Accounts with extras

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Provider	Account Information	Interest (AER%)	Overdraft (EAR%)	Minimum Monthly Deposit	Monthly Account Fee	More Info
	Natwest - Current Plus Account The Natwest Current Plus Account is a flexible account for your day to day banking. It comes with a debit card, cheque book and arranged overdraft subject to eligibility.	0.10%	19.24% No Overdraft Fee
	Natwest - Step Account If you want an account where you can't become overdrawn then the Step Account may suit your needs. With no arranged overdraft or borrowing facilities you can stay in control of your finances. You must be 16 or over to apply for this account.	0.10%	-1.00%
	Natwest - Advantage Gold Account Are you looking for an account that gives you more for your money? The Natwest Advantage Gold Account gives you winter savings worth up to £704 incl. breakdown cover, annual travel insurance and mobile insurance incl. iPhones™. Conditions and monthly fee apply.	0.25%	18.49% No Overdraft Fee		£12.95
	RBS - Interest Paying Account Earn interest and even use your Interest Paying Account balance to save on your mortgage with the Offset Service. Have easy access to your money with no monthly fees and pay no interest on agreed overdrafts of up to £100.	0.10%	19.24% No Overdraft Fee
	RBS - Key Account Get free everyday banking with the RBS Key Account. There are no credit or overdraft facilities, allowing you to take complete control of your money. You must be 16 or over to apply.	0.10%	-1.00%
	RBS - Royalties Gold Account This account not only offers banking but also provides benefits that will save you money. The Gold Account gives you multi-trip travel insurance & holiday discounts, various protection benefits including ID theft protection, entertainment benefits and preferential banking rates.	0.15%	17.00% No Overdraft Fee		£12.95
	Alliance & Leicester - Premier Account Switch to Alliance & Leicester using their free switching service today and receive £100 cashback. They offer both joint and single account options. The account comes with great free benefits such as annual multi-trip European travel insurance worth up to £60. You can also have access to your account 24 hours a day through internet banking.	0.50%	0.00% No overdraft fee for 12 months	£500
	Alliance & Leicester - Premier Direct Account In the first year earn a great rate of 5% AER and benefit from 0% EAR typical overdraft and no usage fees if you're a new customer. Alliance and Leicester provide a free switching service and 24 hour account servicing. Also gain exclusive access to other money products. They even accept joint applications.	5.00%	0.00% No overdraft fee for 12 months	£500
	Alliance & Leicester - Premier 50 Account This account is exclusively for the over 50s and comes with many benefits including worldwide travel insurance (up to the age of 79), ID protection, health benefits, help with lost cards and a Plus Saver account. All for just £10 a month but get the first three months free. Apply today as an individual or make a joint application.	6.00%	0.00% No overdraft fee for 12 months		£10
	Alliance & Leicester - Premier 21 Account Earn a great rate of 5% AER on balances up to £1,000 for the first year. You must be 16-20 years old and pay your regular earnings into your account. Plus you could WIN a day with a celebrity at the Celebrity Master Classes!	5.00%	0.00% Overdraft fee up to £5 per month	Your earnings
	Barclays - Bank Account If you want a simple, convenient bank account with no monthly fees, then this could be the account for you. You will have access to a debit card, an overdraft and / or a Personal Reserve.	0.00%	19.30% No Overdraft Fee
	Barclays - Additions Active If you have a busy and active life and expect your bank account to keep up, then Barclays Additions Active may be the account for you. Receive an interest free overdraft up to £300, worldwide family multi-trip travel insurance, RAC breakdown cover and much more.	0.00%	18.30% No Overdraft Fee		£15
	Barclays - Current Account Plus Need an account that is flexible and offers great value? Then apply for the Current Account Plus. Receive an interest free overdraft up to £300, an extended warranty cover on your household appliances and much more.	0.00%	18.30% No Overdraft Fee		£5
	Barclays - Premier Life Account The Premier Life Account is built around you. It will meet your needs in terms of a current account whilst providing you with unique benefits and the personal support of a Premier Manager. You will have access to an agreed interest free overdraft of up to £1,000, a preferential overdraft rate of 14.9% and a daily withdrawal limit of £750.	0.00%	14.90% No Overdraft Fee		£17.5
	HSBC - Current Account Plus Switch banks to HSBC today and receive £50 cashback! With the HSBC Current Account Plus you will receive a variety of benefits including worldwide travel insurance, roadside breakdown cover, ID theft assistance and more! They also accept joint applications. Apply Today	0.00%	17.90% No Overdraft Fee		£12.95

About Current Accounts (Bank Accounts)

A current account is a bank account that offers a safe place to store money to which you will need access on a day-to-day basis. The majority of current accounts come with a cheque book and cash card, making it easy to access your money whenever you need it by withdrawing cash from a bank or cash machine, or paying for goods directly in shops and online. Most current accounts allow transfers to and from other bank accounts, and some have an overdraft facility, enabling you to borrow if necessary. The majority of people will qualify for a current account of some sort, regardless of their employment status or credit record.

Current accounts come in all shapes and sizes, ranging from basic cheque accounts to paid-for bank accounts with extra services such as travel insurance and medical support. Here we give an overview of the main types of account.

Standard Current Accounts are offered by most high street banks and building societies. They offer a quick and easy way of accessing your money, and come with a debit card, cheque book and the option of an arranged overdraft (for which you pay interest). Bank statements are generally sent out on a monthly or quarterly basis, and most standard current accounts nowadays allow internet and telephone banking.

Basic Bank Accounts are no-frills accounts aimed at those with a poor credit history and those who haven't previously stored their money in a bank account. Usually these accounts come with a debit card, but no cheque or overdraft facility.

Cheque Accounts function in the same way as instant access savings accounts. They tend to offer a higher rate of interest than other types of current account, but offer limited banking facilities.

Student Accounts are designed to help young people manage their money whilst studying at college or university. Most student accounts come with an interest-free overdraft as well as incentives such as free railcards, DVDs CDs and cinema tickets. Some accounts also offer a credit card facility, though this should be avoided unless you know you will definitely be able to pay off the bills at the end of each month.

Graduate Accounts act as a bridge between a student account and regular current account, offering good interest rates on overdrafts, loans and mortgages. They are generally available for up to three years after graduation. If you already have a student account, your bank may move you onto their graduate account automatically when you finish your course of study.

Children's Accounts operate in the same way as regular current accounts, but without an overdraft facility, and are available to people aged 7 to 18. Depending on the age of the child, customers will be offered a withdrawal book or debit card. Like student accounts, children's accounts offer a range of incentives such as small toys and music downloads.

Foreign Currency Accounts are designed for those who regularly receive or make payments in a currency other than pound sterling. They operate in the same way as ordinary current accounts, but can be run in a currency of your choice. As with a sterling account, foreign currency accounts generally come with a cash card, chequebook and regular statements. Administration fees are charged on some such accounts, so it is important to check the small print.

Current Accounts with Extras - Carrying a monthly charge, these premium accounts offer added benefits such as mobile phone insurance, breakdown cover, travel insurance, railcards and money off cinema and theatre tickets.