Current accounts in United Kingdom
Everyday accounts, ranked on total yearly cost rather than sign-up offers.
- ✓Free to compare
- ✓Supervised by the FCA and the PRA
- ✓FSCS protection up to £120,000
Providers pay us, usually only if you take up a product; the order is computed from the rate they publish — read how we order lists and where the figures come from. How we order lists Data sources.
Products that only exist in this market
Cash ISA
Tax-free interest up to the annual ISA allowance.
Lifetime ISA
25% government bonus toward a first home or retirement.
Premium Bonds
NS&I prize draw instead of interest, backed by HM Treasury.
Pricing shown is indicative and taken from published price lists for United Kingdom. It is a comparison based on published product criteria — not financial advice, and never a promise of approval.
A current or chequing account in United Kingdom is everyday banking: deposits, payments and a debit card from a licensed deposit-taker. Eligible balances are covered by FSCS protection under the FCA and the PRA. Compare the monthly fee, what it takes to waive it, overdraft APR and whether the account is actually available to residents here.
What the fee buys
A “free” account can still charge for overdrafts, foreign spend or paper statements. A fee-charging account can still be cheaper if it includes the payments you actually use. We only list providers with a live apply link. Related: savings if the money will sit, banks for who is licensed here, and cards if revolving credit is the product you need.
Questions readers in this market ask
Answered with local rules, local supervision and local pricing — not a translated US page.
What does a current account cost in United Kingdom?
The real cost of an everyday account sits in monthly fees, FX mark-ups, ATM charges and overdraft pricing. We list those on each product rather than inventing a typical monthly figure.
Who supervises the providers compared on Bankmatch in United Kingdom?
Every institution listed for United Kingdom is supervised by the FCA and the PRA. Eligible deposits are covered by FSCS protection up to £120,000 per depositor and institution.
What does "APR" mean here?
APR is the effective annual cost used in United Kingdom, including interest and mandatory fees. We always show the local measure so figures match the provider's own price list.
Do you check my credit to show matches?
Providers in United Kingdom assess applications with a Experian / Equifax band. We shortlist on the published minimum criteria only — Bankmatch never runs a credit check.
How current is the pricing on this page?
Every figure on this page is read from the provider's own product feed, so it changes here when the provider changes it rather than when we get round to retyping it. We deliberately do not stamp a verification date on the page: the feed does not record when a provider last reviewed a figure, so any date we printed would be our guess dressed up as a fact. Where a required number is missing from the feed we leave the field empty instead of estimating it.
How does Bankmatch make money?
Providers pay us a fee, and in most cases it falls due only if a reader goes on to be approved for or take up the product; on a few products it is a percentage of the amount borrowed. That never changes the order: it is computed from the price the provider publishes, before any commercial term is read, and placement is not for sale. The methodology page sets out exactly how the order is derived so you can check a list against it.