CURRENT ACCOUNTS Download to Excel

Current accounts are offered by most banks and building societies and are the most standard bank account they offer.

Customers can generally access their money via a Debit card – this allows for ATM withdrawals and for making purchases in high street and online retailers. Most current accounts can be managed online, via telephone and by visiting your nearest branch.

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All Accounts Current Accounts Offshore Accounts Business Accounts

Many current accounts carry an overdraft facility though this may not come automatically. An overdraft is a method of borrowing from the bank or building society. If you go into your authorised overdraft, you will be charged interest.

The amount of interest varies according to account and will be deducted automatically from your account balance on a regular basis. If you breach unauthorised overdraft (if you go beyond your overdraft limit) then you might be charged a fee. For accounts 'in credit', interest is earned and will be added to the account balance on a regular basis automatically.

Current Account Information

PROVIDER	ACCOUNT	TYPE	INTEREST AER	INTEREST GROSS	PAID	ACCESS	O/D RATE	BANKING CHARGES	SERVICES CHARGES	APPLY
Barclays Bank Account	Barclays Bank Account	Current Account	0.00%	0.00%	Monthly	Online, Branch, Post, Tel	19.3%	£0.00	£0.00
Barclays Bank Account	The Barclays Bank Account could suit you if you want a straightforward basic bank account with no monthly fees. You can easily apply online in just 10 minutes, quickly register for online and telephone banking and have access to their network of more than 1,700 branches. MORE INFORMATION >>								Features Features Free Banking: Yes Debit Card: Yes Cheque Guarantee_Card: Yes Standing Orders: Yes Direct Debit: Yes Overdraft Facility: Yes Account Manager: No You can manage your account online, by phone or in branch Services Services 1. Manage your account online, by phone or in branch 2. Contactless debit cards available on the majority of new accounts Advantages Advantages 1. Register for Online and Telephone Banking 2. Apply for a Personal Reserve that gives you an extra agreed amount for life's little emergencies 3. Draw on cheques paid in before they clear, subject to status and limit 4. No monthly fee 5. Manage your account online, by phone or in branch 6. Contactless debit cards available on the majority of new accounts Disadvantages Disadvantages 1. Call charges apply. 2. See terms and conditions for additional chrages and fees that may apply. 3. No interest free overdraft. 4. £0 annual benefit
HSBC Offshore	Offshore Current Account	Offshore Account	0.00%	0.00%	Monthly	Online,Tel	N/A	£0.00	£20
HSBC Offshore	A flexible international current account, usually the starting point for customers with international or offshore banking requirements, for your day-to-day banking needs. A convenient, secure and potentially tax efficient way to manage money. MORE INFORMATION >>								Features Features Free Banking: No Debit Card: Yes Cheque Guarantee_Card: Yes Standing Orders: Yes Direct Debit: Yes Overdraft Facility: Yes Account Manager: No 1. You can choose to have your offshore account with HSBC Bank International opened in either the offshore jurisdiction of Isle of Man or Jersey, Channel Islands. Services Services 1. The internet banking service provided gives you direct control over your money, from anywhere in the world, anytime Advantages Advantages 1. Available in sterling, US dollars or euro. 2. Debit/credit card options 3. 24 hour internet and phone banking. 4. Make international money transfers. 5. Interest paid without deduction of tax. Disadvantages Disadvantages 1. A minimum relationship balance of £25,000 (or currency equivalent) must be maintained, to prevent a £20 monthly service charge from being applied to your account. 2. When investing abroad, your tax situation will depend on your personal circumstances. We recommend that you obtain independent tax advice.
HSBC Bank Account	HSBC Bank Account	Current Account	4%	4%	Yearly	Online, Branch, Tel	19.9%	See website	£0.00
HSBC Bank Account	The HSBC Bank Account gives you access to 4% AER/gross Regular Saver and an Overdraft facility with a rate of 19.9% AER variable. They have an award winning 24/7 Internet Banking service so you are able to manage your money online, pay bills and make payments securely. Get up to £50 cash back at various UK outlets, when you pay with your HSBC Bank debit card. MORE INFORMATION >>								Features Features Free Banking: Yes Debit Card: Yes Cheque Guarantee_Card: Yes Standing Orders: Yes Direct Debit: Yes Overdraft Facility: Yes Account Manager: No Get up to £50 cash back at various UK outlets when you pay with your free HSBC Bank Debit Card Services Services 1. Internet Banking. 2. Overdraft Facility 3. No monthly fee Advantages Advantages 1. Access to 4% AER/gross regular saver 2. Identity theft assistance. 3. Mobile banking 4. Award winning 24/7 Internet banking. 5. Overdraft facility with a rate of 19.9% AER variable. Disadvantages Disadvantages 1. There is an ATM transaction fee currently 2% (minimum £1.75, maximum £5.00) for withdrawing cash at cash machines overseas. 2. You must deposit a minimum of £500 a month
HSBC Advance	HSBC Advance	Current Account	8%	8%	Daily	Online, Branch, Tel, Post	17.9%	£25	£12.95
HSBC Advance	HSBC Advance is available for £6 a month for the first three months or opening the account, after this the service charge will be £12.95 a month. The HSBC Advance has an initial 12 month contract and is then renewable monthly. HSBC Advance has been designed to complement your busy life. It is a bank account that helps you take care of the day-to-day elements quickly and easily, plus it gives you some nice additional extras too. MORE INFORMATION >>								Features Features Free Banking: No Debit Card: Yes Cheque Guarantee_Card: Yes Standing Orders: Yes Direct Debit: Yes Overdraft Facility: Yes Account Manager: No 1. HSBC Advance has an initial 12 month contract and is then renewable monthly 2. Text and Mobile Banking on the move. 3. Worldwide Travel Insurance for customers aged up to the age of 70, provided by Aviva Insurance UK Limited. 4. Roadside Breakdown Assistance 24 hours a day for eligible vehicles less than 15 years old. Provided by the Mondial Assistance Europe N V. and administered by Mondial Assistance (UK) Limited. 5. Life Cover/Accidental Death benefit with £3000 benefit provided by HSBC Life (UK) Limited. 6. 24/7 Identity Theft Assistance with red24. Immediate safety advice and ID theft assistance by phone, for help in any situation or emergency. 7. An initial 12 month contract which is renewable monthly afterwards Services Services 1. You can save from £25 to £250 in the first month, then make regular payments up to the maximum monthly balance. The maximum balance starts at £250 in month one and then increases by £250 each month thereafter. Interest is calculated daily and paid when your account matures. No partial withdrawals are allowed during the fixed rate period. 2. You will need to give one month's notice and pay the usual account fee for that month when terminating this accout. Advantages Advantages 1. HSBC Advance is available for £6 a month for the first three months from account opening. 2. Text and Mobile Banking on the move. 3. Telephone and Internet Banking services open 24 hours a day, Disadvantages Disadvantages 1. You will pay the full monthly price, currently £12.95, after 3 months.
HSBC Offshore Premier	Offshore Current Account with HSBC Premier	Offshore Account	0.00%	0.00%	Monthly	Online, Tel	£0.00	£0.00	£0.00
HSBC Offshore Premier	An offshore Current Account with HSBC Premier comes with all the benefits of HSBC Premier, including access to professionally qualified International Wealth Managers and International recognition and emergency support . It is usually the starting point for customers with international or offshore banking requirements. Your Offshore Current Account can be used to manage your day-to-day finances from anywhere in the world. MORE INFORMATION >>								Features Features Free Banking: Yes Debit Card: No Cheque Guarantee_Card: Yes Standing Orders: Yes Direct Debit: Yes Overdraft Facility: Yes Account Manager: Yes 1. Accounts in sterling, US dollars or euro. 2. Open your account in Isle of Man or Jersey, Channel Islands. 3. 24 hour internet and phone banking. 4. Make international money transfers. 5. Interest paid without deduction of tax. 6. Minimum relationship balance of £60,000 or currency equivalent. Services Services 1. Relationship Management service to help you manage your finances. 2. View your worldwide HSBC accounts online and transfer money between them for free with the Global View Internet Banking service. 3. HSBC Premier Credit Card with no annual fee and membership of the Home and Away rewards programme. Typical 11.9% APR variable Advantages Advantages 1. 24 hour internet and phone banking. 2. International money transfers. 3. A choice of currencies. 4. Interest paid gross of tax. 5. No account opening fee. 6. Relationship manager service. 7. View many of your HSBC accounts worldwide online. 8. Credit card privileges and rewards. 9. Internet Banking that provides access to your HSBC accounts in over 34 countries from a single log on and the ability to make transfers immediately, without charge and with a preferential rate of exchange. 10. Tax advice with Deloitte & Touche LLP. As a Premier customer you can benefit from a discount of 25% on Deloitte's standard fee for selected services. Terms and conditions apply and are available from Deloitte. Disadvantages Disadvantages 1. A Minimum balance of £60,000 (or currency equivalent). 2. The Relationship Management Service is only offered in certain countries. 2. If you live in an EU member state then you are likely to be affected by the European Savings Directive (ESD), any interest you receive on your accounts with HSBC Bank International can either have tax withheld at source, or alternatively, you may continue to receive gross interest, but we will have to report details about you and the interest you have received to the tax authority in the EU member state where you are resident.
Lloyds TSB International	Premier International Account	Offshore Account	4.00%	4.00%	Monthly	Online, Tel	1.23%	£20 a day on unplanned overdraft.	£0.00
Lloyds TSB International	The International Account, provided by Lloyds TSB International, allows you to conveniently manage and access your money internationally with an offshore current account in sterling, Euro’s and US Dollars. You can benefit from this account if you are working, living, travelling and banking abroad. The International Account gives a flexible choice of three currencies, 24/7 access to your money and easy, secure international transfers. MORE INFORMATION >>								Features Features Free Banking: No Debit Card: Yes Cheque Guarantee_Card: Yes Standing Orders: Yes Direct Debit: Yes Overdraft Facility: Yes Account Manager: No 1. Upgrade to a premier service if your balance is over £100,000. 2. Choice of 3 currencies (£, € and $) to save on foreign exchange charges and currency fluctuation. Services Services 1. 24/7 access to your money, anywhere in the world with Internet Banking and PhoneBank Advantages Advantages 1. Inclusive Worldwide family travel insurance — for travel together or alone 2. 4% (1%AER) introductory interest rate on balances between £10,000 and £24,999 for the first 3 months 3. Concierge service — 24/7 phone-based assistance worldwide 4. No monthly fee — on balances above £2,500 / €2,500 / $3,500 5. Choice of sterling, euro and US dollar accounts — save on foreign exchange & currency fluctuation 6. Visa debit cards to use worldwide — save on cash withdrawal fees 7. 24/7 Internet Banking and PhoneBank Easy and secure international transfers — send and receive money worldwide with confidence Disadvantages Disadvantages 1. There is no monthly fee if you keep a balance of at least £2,500/€2500/US$3500 in your fee paying account. If your balance falls below these values during the month, then a fee of £20/€20/US$30 is payable in that month. 2. You will need to pay costs to transfer or receive money when abroad. These vary depending on the method of payment. 3 An Unplanned Overdraft charges a daily rate and continues until it is repaid, you will incur a further monthly fee and up to 10 daily fees in a month. 4. Interest rate 0.00% after the introductory interest rate
Barclays Business bank account	Business start-up account	Business Account	0.100%	0.100%	Daily	Online, Tel, Branch	Ask on application	See website	£0
Barclays Business bank account	Barclays Start-up business accounts offer you free banking for up to two years. You also benefit from free day to day support from the Barclays Business Team by phone 24/7 and your own Local Business Manager. You can easily apply online in 5 – 10 minutes and benefit from this award winning service. MORE INFORMATION >>								Features Features Free Banking: Yes Debit Card: Yes Cheque Guarantee_Card: Yes Standing Orders: Yes Direct Debit: Yes Overdraft Facility: Yes Account Manager: Yes You must be a Sole trader, Partnership (up to two partners) or Limited company (up to two directors) Services Services 1. Your own Local Business Manager who will listen to your needs 2. Day-to-day support through the Barclays Business Team available by phone 24/7 3. Full counter service in over 1,600 branches 4. Manage your money day and night with online and telephone banking 5. Business debit card 6. Business overdraft facilities available Advantages Advantages 1. Free business banking for up to two years. 2. Free automated transactions when your free business banking period ends 3. Your own Local Business Manager 4. Free day-to-day support from the Barclays Business Team by phone 24/7 5. Free CREDITFOCUS - our award-winning service to help you recover and reduce late payments and bad debts 6. Free consultations with an accountant, marketing professional and solicitor for expert advice in your crucial first months 7. Free business seminars on topics such as how to make more profit and attract more customers 8. Free i-sure business data backup - automatically backs up 2GB of your data in a secure location 9. Free business skills training 10. Access to unique packages of business management software to help you save time and money 11. Manage your business account in Online Banking or by phone and in branch Disadvantages Disadvantages 1. Manage your basic payroll for up to five employees for just £50 + VAT for the first year. Prices will then revert to £50 + VAT per employee per annum. 2. See website for additional service fees. 3. At the end of your free business banking period, they will automatically set your account to the Free Automated Transactions Tariff
Lloyds TSB Bank Plc Classic Account	Classic Account	Current Account	0.10%	0.10%	Yearly	Online, Phone, Branch, Tel	18.9% EAR	£0.00	£0.00
Lloyds TSB Bank Plc Classic Account	The Lloyds TSB Bank Plc Classic Account gives you free, everyday banking. You can manage your account 24 hours a day, 7 days a week through internet banking and phone banking. You can get a 4.00% AER interest rate for balances from £5,000 up to £7,000 on your current account by adding Vantage to your account. MORE INFORMATION >>								Features Features Free Banking: Yes Debit Card: Yes Cheque Guarantee_Card: Yes Standing Orders: Yes Direct Debit: Yes Overdraft Facility: Yes Account Manager: No 1. Commission-free foreign currency and non-sterling American Express® Travellers Cheques. 2. No monthly account fee Services Services 1. Grace period if you go over your limit. You'll have until 3:30pm the same day to pay in enough money to cover your payments and avoid overdraft fees. 2. Apply online. 3. Account text alert service is available Advantages Advantages 1. Free banking. 2. Manage your money 24 hours a day with online banking and phone banking. 3. Grace period if you go over your limit. You'll have until 3:30pm the same day to pay in enough money to cover your payments and avoid overdraft fees. 4. If you pay in £1000 a month or more, you can add Vantage or Plus to your Classic Account for free. 5. No monthly account fee 6. Withdraw up to £300 a day from ATM Disadvantages Disadvantages 1. Interest rate of 0.10% AER
Santander Preferred	Preferred In-Credit Rate Account	Current Account	5.00%	4.89%	Daily	Online, Branch, ATM	19.90%	See website	£0.00
Santander Preferred	The Santander Preferred in-credit rate account offers an interest rate of 5% AER for the first 12 months from opening the account on balances up to £2,500. They also claim to match your previous overdraft up to £5,000 (depending on your circumstances). MORE INFORMATION >>								Features Features Free Banking: Yes Debit Card: Yes Cheque Guarantee_Card: Yes Standing Orders: Yes Direct Debit: Yes Overdraft Facility: Yes Account Manager: No 1. Online banking 2. If you do not pay in at least £1, 000 a month, but you are in credit, the Preferred In-Credit Bank Account pays interest of 0.10% gross/AER on the whole balance. Services Services 1. Online banking Advantages Advantages 1. 5.00% AER/ 4.89%gross (fixed) for the first 12 months from account opening on balances up to £2,500. 2. 0% interest free Advance Overdraft for the first 4 months from account opening. 3. We'll match your previous overdraft up to £5,000 (Dependant on your circumstances). 4. Access your current account around the clock with Online Banking, Telephone Banking and over 1,000 Santander branches. Disadvantages Disadvantages 1. To qualify for the bonus rates a minimum of a £1,000 a month needs to be credited to the account, or standard rates apply. 2. If you do not pay in at least £1, 000 a month, but you are in credit, the Preferred In-Credit Bank Account pays interest of 0.10% gross/AER on the whole balance.
NatWest Current Plus	Current Plus	Current Account	0.10%	0.10%	Daily	Online, Branch, Post, Tel	19.24%	£20	£0.00
NatWest Current Plus	The NatWest Current Plus is available for over 18’s and offers free everyday banking for no monthly subscription charges. You can receive a £100 interest free overdraft incase you go overdrawn. If you need to borrow more than that, the over draft rate is 19.24%. MORE INFORMATION >>								Features Features Free Banking: Yes Debit Card: Yes Cheque Guarantee_Card: Yes Standing Orders: Yes Direct Debit: Yes Overdraft Facility: Yes Account Manager: No 1. Customers receive a £100 interest-free buffer if they go overdrawn. Services Services 1. Upgrade to Advantage Blue for £6.95 per month. Advantages Advantages 1. Minimum investment is £1.00. 2. Instant withdrawal access. 3. Free day-to-day banking without subscription charges. 4. Apply online. 5. Chequebook available. 6. Manage your account online. Disadvantages Disadvantages 1. Cash withdrawals made abroad are subject to an Exchange Rate Transaction Fee of 2.75% as well as a 2.00% of the Sterling transaction amount (minimum £2.00, maximum £5.00). 2. If your account becomes overdrawn without prior arrangement or any arranged overdraft limit is exceeded, you will be liable for a monthly Maintenance Charge.