What is the Current Account Switch Service?

CASS is a service that can move your balance and most regular payments to a new UK current account, usually within seven working days. Switching bonuses can have extra conditions on top of CASS.

Are switching bonuses guaranteed?

No. Offers can change or be withdrawn, and most have pay-in, Direct Debit, spend or customer-history conditions. Always re-check the provider's official terms.

Do current accounts pay interest?

Some do, often on a limited balance or for an introductory period. Others pay no credit interest. Compare the AER and any monthly conditions.

What is a packaged current account?

A packaged account charges a monthly fee for extras such as travel or mobile insurance. Cover is subject to eligibility, exclusions and limits.

Is an overdraft the same as a loan?

No. An arranged overdraft is short-term borrowing attached to a current account and is subject to status. For larger or longer-term borrowing, compare [personal loans](/borrow/personal-loans).

Will switching affect my credit score?

A new account application can appear on your credit file. Using the switch service is not itself a loan application, but overdraft use and missed payments can affect your credit profile.

How do you rank current accounts?

The default featured order is editorial: High-priority verified launch coverage first, then useful consumer features such as an active switch bonus and no monthly fee. It is not ranked by affiliate commission. See our [comparison methodology](/comparison-methodology).

Banking

Current Accounts with Cashback

Q: Are current accounts protected by FSCS?

Eligible deposits with UK-authorised firms may be protected up to £120,000 per eligible person, per authorised firm. Shared licences can mean one combined limit across brands.

Compare UK current accounts that offer cashback, retailer rewards or monthly credits. Headline rewards often need qualifying spend or Direct Debits, and a monthly fee can reduce the net value.

FSCS clarity

Eligible deposits may be protected up to £120,000 per person, per authorised firm.

100% free to use

No fees from WIT Money to compare.

Researched by WiT Money

Editorial featured order — not ranked by commission.

Browse by category

All current accounts Switching offers Cashback High interest Digital banks Packaged accounts

9 cashback and rewards accounts

Accounts that pay cashback or ongoing rewards, usually in return for qualifying spend, Direct Debits or a monthly fee.

Switching bonuses, fees and rates can change. Check the provider's current terms before you apply. Featured order is editorial, not commission-based.

Sort by

HSBC UK

Bank Account

Switching OfferNo Monthly FeeCashbackBranch AccessNeeds rechecking

Switch bonus

£220

Monthly fee

No monthly fee

Interest / cashback

home&Away discounts/rewards

Overdraft

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.

May suit: Switchers comfortable with higher spend/funding conditions

Watch out: £500 debit-card spend requirement is relatively demanding

Switching offer conditions

Open in mobile app; within 60 days complete full CASS switch incl. 2 Direct Debits; pay in £2,000; spend £500 on debit card; new-customer restrictions. Active; may be withdrawn

Last checked: 13 September 2026

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NatWest

Reward Account

Switching OfferCashbackFee-Free Overseas SpendingBranch AccessNeeds rechecking

Switch bonus

£200

Monthly fee

£2 / month

No standard waiver confirmed

Interest / cashback

£4/month for 2+ Direct Debits of at least £2, plus £1/month for app login; partner retailer rewards

Overdraft

Available subject to assessment. Subject to status.

May suit: Customers who will use Direct Debits and app rewards

Watch out: £2 monthly fee reduces net reward

Switching offer conditions

Open Select or Reward; full CASS switch; within 60 days pay in £1,250 (must remain 24h) and log into mobile app; customer-history exclusions. Active; may be changed/withdrawn

Last checked: 13 September 2026

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Nationwide

FlexDirect

Switching OfferNo Monthly FeePays InterestCashbackBranch AccessNeeds rechecking

Switch bonus

£175

Monthly fee

No monthly fee

Interest / cashback

5.00% AER (Up to £1,500)

Overdraft

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.

May suit: Customers wanting switch cash plus interest/cashback

Watch out: Headline value depends on meeting multiple monthly conditions

Switching offer conditions

Full CASS switch from non-Nationwide/non-Virgin Money; 2 Direct Debits moved; complete within 28 days; pay in £1,000 and make 1 debit-card payment within 31 days; prior-offer restrictions. Active; may be changed/withdrawn

Last checked: 13 September 2026

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Chase UK

Chase Current Account

No Monthly FeeCashbackFee-Free Overseas SpendingDigital BankNeeds rechecking

Switch bonus

No current switch bonus

Monthly fee

No monthly fee

Interest / cashback

2% cashback up to £20/month on qualifying UK/Channel Islands everyday categories; qualification criteria and exclusions apply

Overdraft

Not specified

Borrowing, subject to status

May suit: Everyday spenders wanting category cashback and fee-free foreign card spending

Watch out: Cashback is category-limited, capped and subject to qualification

Last checked: 13 September 2026

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Lloyds Bank

Club Lloyds

Pays InterestCashbackFee-Free Overseas SpendingBranch AccessNeeds rechecking

Switch bonus

No current switch bonus

Monthly fee

£5 / month

£5 fee refunded each month if £2,000+ paid in

Interest / cashback

3.00% AER (£5,000)

Overdraft

Optional arranged overdraft. Subject to status.

May suit: Customers paying in £2,000+ who value perks and some interest

Watch out: Fee if monthly funding condition is missed; tiered interest is not 3% on the whole £5,000

Last checked: 13 September 2026

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Lloyds Bank

Classic

No Monthly FeeCashbackBranch AccessNeeds rechecking

Switch bonus

No current switch bonus

Monthly fee

No monthly fee

Interest / cashback

Up to 15% cashback via selected Everyday Offers

Overdraft

Optional arranged overdraft. Subject to status.

May suit: Straightforward branch-based everyday banking

Watch out: Limited ongoing headline benefits versus reward accounts

Last checked: 13 September 2026

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Halifax

Current Account

No Monthly FeeCashbackBranch AccessNeeds rechecking

Switch bonus

No current switch bonus

Monthly fee

No monthly fee

Interest / cashback

Up to 15% cashback with selected Cashback Extras

Overdraft

19.9% to 39.9% annual interest range reported 30 Jun 2026. Subject to status.

May suit: Simple current account with branches/app

Watch out: Halifax brand transition toward Lloyds may affect future product availability

Last checked: 13 September 2026

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Halifax

Reward Current Account

Pays InterestCashbackFee-Free Overseas SpendingBranch AccessNeeds rechecking

Switch bonus

No current switch bonus

Monthly fee

£3 / month

Fee waived when £1,500+ paid in monthly

Interest / cashback

3.00% AER (£5,000)

Overdraft

19.9% to 39.9% annual interest range reported 30 Jun 2026. Subject to status.

May suit: Customers paying in £1,500+ wanting interest and travel-friendly debit spending

Watch out: Brand transition to Lloyds; interest tiers can be misunderstood

Last checked: 13 September 2026

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TSB

Spend & Save Plus

CashbackFee-Free Overseas SpendingBranch AccessNeeds rechecking

Switch bonus

No current switch bonus

Monthly fee

£3 / month

Interest / cashback

£5 cashback each qualifying month; ongoing while account/offer remains available

Overdraft

40.10% representative APR variable. First £100 interest-free arranged overdraft. Subject to status.

May suit: Frequent debit-card users wanting travel fee savings

Watch out: Must make 20 cleared debit-card payments every month to earn £5

Last checked: 13 September 2026

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Side by side

Compare current account features

Fees, switching bonuses and everyday features at a glance for the accounts currently matching your filters. Cards remain the primary comparison on smaller screens.

Comparison of UK current accounts by fee, switching bonus and features
Provider	Account	Monthly fee	Switching bonus	Pay-in	Cashback/rewards	Credit interest	Overdraft	Overseas	Branch/digital	Key benefit	View
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
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
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
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
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
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
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
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
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

Understand current accounts

How UK current accounts work

How to compare current accounts

Compare monthly fees, switching incentives, credit interest, cashback, overdraft costs, overseas charges and everyday features such as branches, apps and joint accounts. Rankings on this page are editorial and feature-led — not ordered by commission.

How switching bank accounts works

Most UK personal current-account switches use the Current Account Switch Service. Payments and Direct Debits can move automatically, but you still need to meet the new provider's offer conditions if you want a switching bonus.

Current Account Switch Service

CASS is designed to move your balance, incoming payments and most regular payments to the new account, usually within seven working days. Providers can still set extra conditions for a cash incentive, such as a minimum pay-in or a number of Direct Debits.

Switching bonuses

Cash switch offers are time-sensitive and can be withdrawn. Always check the official terms, exclusions, pay-in, Direct Debit, spend and Regular Saver conditions before you apply. An expired offer is never shown here as a current switching offer.

Current accounts that pay interest

Some accounts pay credit interest on a limited balance, sometimes only for an introductory period or if you meet monthly conditions. Compare the AER, the balance cap and whether the rate is temporary.

Cashback and rewards accounts

Cashback, retailer rewards and monthly credits usually need qualifying spend, Direct Debits or app logins. A headline reward can be reduced by a monthly fee.

Packaged current accounts

Packaged accounts charge a monthly fee for bundled extras such as travel, breakdown or mobile insurance. Insurance is subject to eligibility, exclusions and limits — check whether the cover is useful before paying the fee.

High street vs digital banks

High street banks and building societies usually offer branches plus apps. Digital and telephone banks are typically app-first and may have no traditional branch network. Compare access, fees and overdraft terms rather than brand type alone.

Overdrafts

An arranged overdraft is borrowing and is subject to status. Where a representative APR or EAR is published we show it. Using an overdraft can be more expensive than a personal loan for longer-term borrowing.

Using your debit card abroad

Some accounts charge no provider fee on overseas card spending. Local ATM operators and card schemes can still apply their own charges. We only mark fee-free overseas spending when official text confirms there is no provider FX fee.

Joint current accounts

A joint account is shared by two people. Both account holders are usually responsible for any arranged overdraft. Availability depends on the provider and eligibility checks.

FSCS protection

Eligible deposits may be protected up to £120,000 per eligible person, per authorised firm. Brands can share one banking licence — Nationwide with Virgin Money, and HSBC UK with first direct and related brands — so deposits may share one limit.

Does switching affect your credit score?

Opening a new current account can leave a footprint on your credit file. Using CASS itself is not the same as applying for a loan, but overdrafts and missed payments can affect your credit profile. This is general information, not personal advice.

Related comparisons

Continue comparing

Savings Accounts

Looking for somewhere to earn interest on money you do not need for everyday spending? Compare Savings Accounts.

Cash ISA

Compare Cash ISAs if you want tax-efficient cash savings under current ISA rules.

Credit Cards

Compare UK credit cards separately from everyday current-account spending.

Credit Score

Understand how credit files work before you apply for an account or overdraft.

Personal Loans

An overdraft is borrowing. For longer-term borrowing, compare Personal Loans.

Current account switching guide How to choose a current account

How we compare current accounts

Editorial ranking, not commission

We compare verified fees, switching offers, rewards, interest, overdrafts, overseas charges and everyday banking features from official provider pages. Commercial relationships do not determine the featured order. Last reviewed 13 September 2026.

Read our comparison methodology

Default featured order uses verified High / Medium / Low launch priority, then an active switch bonus, then no monthly fee.
We do not label any account as the best account for you.
Last reviewed 13 September 2026.

FAQs

Current account FAQs

Comparison Methodology How We Make Money Editorial Guidelines

Financial Services Compensation Scheme Current Account Switch Service Financial Conduct Authority FSCS protection

Fees, switching offers, rates and eligibility can change. This comparison covers the providers and products in our verified launch database — not every UK current account. An arranged overdraft is borrowing and is subject to status. This is general information, not personal advice. Data last checked 13 September 2026.

Current Accounts with Cashback

Compare UK current accounts that offer cashback, retailer rewards or monthly credits. Headline rewards often need qualifying spend or Direct Debits, and a monthly fee can reduce the net value.

FSCS clarity

Eligible deposits may be protected up to £120,000 per person, per authorised firm.

100% free to use

No fees from WIT Money to compare.

Researched by WiT Money

Editorial featured order — not ranked by commission.

Provider

Account

Monthly fee

Switching bonus

Pay-in

Cashback/rewards

Credit interest

Overdraft

Overseas

Branch/digital

Key benefit

View

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

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

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

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

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

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

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

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

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

Editorial ranking, not commission

Read our comparison methodology

Default featured order uses verified High / Medium / Low launch priority, then an active switch bonus, then no monthly fee.

We do not label any account as the best account for you.

Last reviewed 13 September 2026.