What to compare
Look past the welcome bonus. Ongoing monthly fees, overdraft EAR, cash deposit options, customer support and how well the app fits your habits usually matter more after month one.
- Monthly fee and what’s included
- Overdraft rate and eligibility
- Branch, Post Office or cash access
- App reliability and spending tools
Bonus versus fit
A switching incentive can tip a close decision, but it rarely fixes a poor everyday fit. Use our [switching guide](/guides/banking/current-account-switching-guide) once you’ve shortlisted accounts that match how you bank.