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%) Interest per annum (variable)	Minimum Monthly Deposit	Monthly Account Fee	More Info
	Natwest - Select Account NatWest’s regular account offers flexible everyday banking with no monthly fees and award winning online banking With all the essentials to make everyday banking easy for you	0.10%	19.89% No Overdraft Fee
	RBS - Select Account RBS Select Account All the essentials to make everyday banking easy for you Visa debit card Overdraft (subject to eligibility) Digital banking No monthly subscription fee	0.00%	19.89% No Overdraft Fee
	Natwest - Advantage Gold Account NatWest Advantage Gold Account - get travel insurance, breakdown cover from Green Flag, as well as tailored rates on loans, mortgages and credit cards. All for £12.95 per month	0.25%	19.49% No Overdraft Fee		£12.95
	HSBC - HSBC Bank Account HSBC Bank Account - 24/7 Internet Banking, Mobile Banking when you’re on the move, 4% AER/Gross Regular Saver and Identity Theft Assistance with free online credit report. Terms & conditions apply.	0.00%	19.90% No Overdraft Fee	500
	RBS - Royalties Gold Account RBS Royalties Gold Account Benefits that could save you money and hassle including... Worldwide annual family travel insurance Mobile phone insurance (including iphones) Home emergency cover Breakdown cover Extended warranty Benefits are worth up to £896 per year, for just £12.95 per month Plus get tailored rates on RBS mortgages, loans and credit cards. Find out more about the RBS Royalties Gold Account and apply online.	0.00%	19.24% No Overdraft Fee		£12.95
	RBS - Select Silver Account RBS Select Silver Account Save money on things you may already spend on European Travel Insurance Mobile phone insurance - including iPhones Five music downloads every month from hmvdigital Three DVD rentals every month from LOVEFiLM £8 monthly subscription fee	0.00%	19.89% No Overdraft Fee		£8
	Santander - Preferred Current Account 5.00% AER (fixed) for the first 12 months from account opening on balances up to £2,500, when you pay in £1,000 each month. 0% EAR (variable) overdraft. No Daily Arranged Overdraft fees for 12 months when you switch. £300 for existing Santander mortgage customers who have, or can deposit, at least £10,000 in Santander savings and switch their main current account to Santander. £200 for existing Santander mortgage customers who switch their main current account to Santander. £100 for customers who switch their main current account to Santander.	5.00%	0.00% 50p per day

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.