| Santander | Everyday Current Account | No monthly fee | £240 switch bonus | £1,500 / month | No core cashback confirmed | No credit interest confirmed | Available subject to assessment. Subject to status. | Not specified | Branches · App | £240 switch bonus | View |
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| HSBC UK | Bank Account | No monthly fee | £220 switch bonus | £2,000 / month | home&Away discounts/rewards | No credit interest confirmed | 0% EAR (variable) on the first £25, then 39.9% EAR (variable). Representative 38.9% APR (variable) on an assumed £1,200 arranged overdraft.. First £25 of arranged overdraft. Subject to status. | Not specified | Branches · App | £220 switch bonus | View |
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| NatWest | Select Account | No monthly fee | £200 switch bonus | £1,250 / month | No core reward | No credit interest confirmed | 39.49% EAR (variable). Representative 39.49% APR (variable) on an assumed £1,200 arranged limit.. Subject to status. | Not specified | Branches · App | £200 switch bonus | View |
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| NatWest | Reward Account | £2 / month | £200 switch bonus | £1,250 / month | £4/month for 2+ Direct Debits of at least £2, plus £1/month for app login; partner retailer rewards | No credit interest confirmed | Available subject to assessment. Subject to status. | 0% debit-card foreign transaction fee | Branches · App | £200 switch bonus | View |
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| Nationwide | FlexDirect | No monthly fee | £175 switch bonus | £1,000 / month | Up to £120 cashback in first year: £5/month debit-card spend + £5/month Direct Debit spend (terms apply) | 5.00% AER (Up to £1,500) | 39.9% a year compounded (variable). Representative 38.2% APR (variable) on an assumed £1,200 arranged limit.. First £50 of an arranged overdraft. Subject to status. | Not specified | Branches · App | £175 switch bonus | View |
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| first direct | 1st Account | No monthly fee | £175 switch bonus | £1,000 / month | No core cashback confirmed | No credit interest confirmed | 39.9% EAR variable above interest-free portion. First £250 at 0% EAR variable. Subject to status. | Not specified | No branches · App | £175 switch bonus | View |
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| Monzo | Monzo Current Account | No monthly fee | No current switch bonus | Not specified | Core free account; paid plans available separately | No credit interest on core current-account balance confirmed | Rate set in overdraft agreement. Subject to status. | No card-spending FX markup from Monzo on standard card purchases; verify detailed limits | No branches · App | Fee-free overseas card spend | View |
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| Starling Bank | Personal Current Account | No monthly fee | No current switch bonus | Not specified | No headline cashback | 0% on positive current-account balance | 15%, 25% or 35% EAR variable; representative 15% APR. Subject to status. | £0 provider fee on card spending abroad | No branches · App | Fee-free overseas card spend | View |
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| Chase UK | Chase Current Account | No monthly fee | No current switch bonus | Not specified | 2% cashback up to £20/month on qualifying UK/Channel Islands everyday categories; qualification criteria and exclusions apply | No current-account credit interest confirmed | Not specified | No Chase transaction fee or FX mark-up; Mastercard rate | No branches · App | 2% cashback up to £20/month on qualifying UK/Channel Islands everyday categories; qualification criteria and exclusions apply | View |
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| Kroo Bank | Current Account | No monthly fee | No current switch bonus | No minimum pay-in | No headline cashback | 2.65% AER (Up to £500,000) | 39.90% advertised APR in service information. Subject to status. | No foreign spending fees | No branches · App | 2.65% AER | View |
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| Lloyds Bank | Club Lloyds | £5 / month | No current switch bonus | £2,000 / month | Choose one lifestyle benefit each year; up to 15% cashback at selected retailers | 3.00% AER (£5,000) | Optional arranged overdraft. Subject to status. | No Lloyds debit-card fees abroad | Branches · App | 3.00% AER | View |
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| Nationwide | FlexAccount | No monthly fee | £175 switch bonus | £1,000 / month | No core cashback confirmed | No credit interest confirmed | Available subject to assessment. Subject to status. | Not specified | Branches · App | £175 switch bonus | View |
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| Lloyds Bank | Classic | No monthly fee | No current switch bonus | Not specified | Up to 15% cashback via selected Everyday Offers | No credit interest confirmed | Optional arranged overdraft. Subject to status. | Standard overseas charges may apply; verify | Branches · App | Up to 15% cashback via selected Everyday Offers | View |
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| Halifax | Current Account | No monthly fee | No current switch bonus | Not specified | Up to 15% cashback with selected Cashback Extras | No credit interest confirmed | 19.9% to 39.9% annual interest range reported 30 Jun 2026. Subject to status. | Standard overseas charges may apply; verify | Branches · App | Up to 15% cashback with selected Cashback Extras | View |
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| The Co-operative Bank | Standard Current Account | No monthly fee | No current switch bonus | Not specified | No current switch reward; access to exclusive savings | No current-account credit interest confirmed | 35.90% annual interest reported 30 Jun 2026. Subject to status. | 0% currency conversion fees on debit-card spending | Branches · App | Fee-free overseas card spend | View |
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| Halifax | Reward Current Account | £3 / month | No current switch bonus | £1,500 / month | Up to 15% cashback with selected Cashback Extras; monthly prize draw subject to conditions | 3.00% AER (£5,000) | 19.9% to 39.9% annual interest range reported 30 Jun 2026. Subject to status. | No Halifax debit-card fees abroad | Branches · App | 3.00% AER | View |
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| TSB | Spend & Save Plus | £3 / month | No current switch bonus | Not specified | £5 cashback each qualifying month; ongoing while account/offer remains available | No current-account interest; linked Savings Pots 1.55% AER noted on product page | 40.10% representative APR variable. First £100 interest-free arranged overdraft. Subject to status. | No TSB fee on debit-card payments abroad | Branches · App | £5 cashback each qualifying month; ongoing while account/offer remains available | View |
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| The Co-operative Bank | Everyday Extra | £12 / month | No current switch bonus | Not specified | Worldwide family travel insurance; UK & European breakdown cover; family mobile phone insurance | No current-account credit interest confirmed | 35.90% annual interest reported 30 Jun 2026. Subject to status. | 0% currency conversion fees on debit-card spending | Branches · App | Fee-free overseas card spend | View |
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| Metro Bank | Current Account | No monthly fee | No current switch bonus | Not specified | No headline cashback verified | No credit interest verified | Available subject to assessment. Subject to status. | Not specified | Branches · App | No monthly fee | View |
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