Updated: October 20th 2026
Compare personal current accounts
Compare monthly fees, overseas charges and overdraft options from UK banks.
Find an account that fits how you spend, and switch with confidence.
Our verified partners Our partners
Our comparison considers product features, fees, provider information, public information and commercial relationships. We do not compare every provider. Commercial relationships may affect placement. Information is reviewed periodically and should be checked with the provider before applying.
Our comparison considers product features, fees, provider information, public information and commercial relationships. We do not compare every provider. Commercial relationships may affect placement. Information is reviewed periodically and should be checked with the provider before applying.
13M+ customers in the UK
Monthly Fee:
Fee Transfers / Month:
Interest Rate:
Features:
Monthly Fee:
£0 (Standard plan)
Fee Transfers / Month:
None
Interest Rate:
0.00% AER
Features:
- Fee-free ATM withdrawals up to £200 or 5 per month*
- Spend and exchange in 30+ currencies
- No minimum balance
| FSCS protection |
|
|---|---|
| FSCS Protection Limit | £120,000 |
| Regulator & FRN | Revolut Bank UK Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under firm reference number 981170 |
| Disclaimer | Standard plan has no monthly fee; other charges may apply. *Up to 5 ATM withdrawals or £200 per rolling month (whichever comes first) fee-free, then 2% (minimum £1 per withdrawal); third-party ATM fees may apply. Currency exchange is fee-free up to £1,000 per month, then a 1% fair usage fee applies; weekend exchange fees may apply. FSCS protection applies to eligible deposits with Revolut Bank UK Ltd once your account has moved to the bank. Savings, crypto and investments are provided by other entities. T&Cs apply. |
| Best for | Everyday spending, travel and managing money in an app |
|---|---|
| Eligibility Requirements | 18+, UK resident. Separate accounts available for 16–17 year olds. |
| Documents required | Valid photo ID (passport or driving licence) and selfie verification in the app |
| Monthly fee & plans | £0 on Standard. |
|---|---|
| Overdraft Available (EAR) |
|
| Mobile App access |
|
|---|---|
| Cards included | 1 physical card free (delivery fee applies), plus virtual cards |
| UK branches |
|
| multi-currency |
|
| Supported Currency | 30+ currencies |
| Pots / Spaces |
|
| Apple Pay / Google Pay |
|
| Early salary |
|
Monthly Fee:
Fee Transfers / Month:
Interest Rate:
Features:
Monthly Fee:
£0
Fee Transfers / Month:
None
Interest Rate:
0.00% AER
Features:
- Save with Pots and get paid early
- No fees on card spending abroad
- Fee-free ATM withdrawals in the UK and EEA*
| FSCS protection |
|
|---|---|
| FSCS Protection Limit | £120,000 |
| Regulator & FRN | Monzo Bank Limited, authorised by the PRA and regulated by the FCA and PRA, FRN 730427. |
| Disclaimer | No monthly fee on the free personal account; other charges may apply. Fee-free cash withdrawals in the UK and EEA if Monzo is your main account; outside the EEA, a 3% fee applies above your fee-free allowance. Arranged overdraft subject to eligibility, personalised rate; unarranged overdraft 39% EAR (variable). T&Cs apply. |
| Best for | Budgeting, saving with Pots and everyday spending in an app |
|---|---|
| Eligibility Requirements | 18+, UK resident. Separate accounts available for 16–17s and under 16s. |
| Documents required | Valid photo ID (passport or driving licence) and a selfie video in the app. |
| Monthly fee & plans | Free |
|---|---|
| UK transfers | Free |
| Overdraft Available (EAR) |
|
| Overdraft rate (EAR) | Personalised rate, subject to eligibility % |
| Mobile App access |
|
|---|---|
| UK branches |
|
| multi-currency |
|
| Supported Currency | GBP account; spend abroad in any currency |
| Pots / Spaces |
|
| Apple Pay / Google Pay |
|
| Early salary |
|
2% cashback on eligible spending (up to £20/month)
Monthly Fee:
Fee Transfers / Month:
Interest Rate:
Features:
Monthly Fee:
£0
Fee Transfers / Month:
None
Interest Rate:
0.00% AER
Features:
- 2% cashback on eligible spending, up to £20/month*
- No Chase fees on card spending abroad
- Linked saver and round-ups in the app
| FSCS protection |
|
|---|---|
| FSCS Protection Limit | £120,000 |
| Regulator & FRN | Chase is a trading name of J.P. Morgan Europe Limited, authorised by the PRA and regulated by the FCA and PRA, FRN 124579 |
| Disclaimer | *No monthly account fee. 2% cashback on groceries, restaurants, cafes, takeaways, everyday transport, fuel and public EV charging, capped at £20 per month. To qualify you need at least 15 card payments and/or Direct Debits a month and £1,000 or more across your Chase savers. UK and Channel Islands GBP transactions only. No overdraft, CHAPS or international payments. T&Cs apply. |
| Best for | Everyday UK spending with cashback, paired with a Chase saver |
|---|---|
| Eligibility Requirements | 18+, UK resident and UK tax resident |
| Documents required | Valid photo ID (passport or driving licence) and selfie verification in the app |
| UK transfers | Free |
|---|---|
| Overdraft Available (EAR) |
|
| Mobile App access |
|
|---|---|
| UK branches |
|
| multi-currency |
|
| Pots / Spaces |
|
| Apple Pay / Google Pay |
|
| Early salary |
|
Monthly Fee:
Fee Transfers / Month:
Interest Rate:
Features:
Monthly Fee:
£0
Fee Transfers / Month:
None
Interest Rate:
0.00% AER
Features:
- No Starling fees on spending or cash withdrawals abroad*
- Organise your money with Spaces
- Switch easily with the Current Account Switch Service
| FSCS protection |
|
|---|---|
| FSCS Protection Limit | £120,000 |
| Regulator & FRN | Starling Bank Limited, authorised by the PRA and regulated by the FCA and PRA, FRN 730166. |
| Disclaimer | *No monthly account fee; other charges may apply. No Starling fees on card payments or ATM withdrawals abroad; Mastercard exchange rate applies. Cash withdrawals are limited to £300 a day; ATM operators may charge their own fees. Arranged overdraft subject to eligibility: 15%, 25% or 35% EAR variable depending on your circumstances (representative 15% EAR). T&Cs apply. |
| Best for | Travel, everyday spending and budgeting in one app |
|---|---|
| Eligibility Requirements | 18+, UK resident. Teen account available for 16–17 year olds |
| Documents required | Valid photo ID (passport or driving licence) and a selfie video in the app |
| Monthly fee & plans | Free |
|---|---|
| UK transfers | Free |
| Overdraft Available (EAR) |
|
| Overdraft rate (EAR) | 15-35 % |
| Mobile App access |
|
|---|---|
| Cards included | 1 |
| UK branches |
|
| multi-currency |
|
| Supported Currency | GBP + optional euro account. |
| Pots / Spaces |
|
| Apple Pay / Google Pay |
|
| Early salary |
|
The MoneyCompare Recap for
Personal Current Accounts
Monthly Fee
Fee Transfers / Month:
Interest Rate (AER):
Who wrote this content?
Written and reviewed by our team
Every MoneyCompare guide is written by people who follow the UK banking market every day, and checked against the providers’ own terms before it is published.
We review our content regularly, so fees, features and protection details stay as accurate as possible.
Senior Finance Editor
“Claudio Tuteri is an economist and financial analyst specialising in UK financial products. He analyses features, costs, returns and terms to help readers understand and compare their options with clarity.”
Our verified bank partners
We compare products from selected UK providers