5. Nationwide FlexDirect
£100 for switching
£100 when you switch to First Direct
First £250 of overdraft interest free, then 15.9%
Overdraft 15.9% EAR
Interest rate 0.0% AER
Monthly account fee -
AER based on £1,000 deposits and meeting eligibility criteria. Overdraft based on being £500 overdrawn (excluding 0% overdrafts).
5% interest on balances up to £2,500
12 month fee-free overdraft, then £0.50 per day
Telephone banking and free text alerts
Overdraft £0.50 per day
Interest rate 5.0% AER
Monthly account fee -
AER based on £1,000 deposits and meeting eligibility criteria. Overdraft based on being £500 overdrawn (excluding 0% overdrafts).
12 month fee-free overdraft, then £0.50 per day
Telephone banking and free text alerts
Overdraft £0.50 per day
Interest rate 5.0% AER
Monthly account fee -
AER based on £1,000 deposits and meeting eligibility criteria. Overdraft based on being £500 overdrawn (excluding 0% overdrafts).
4. First direct
£100 for switching
£100 when you switch to First Direct
First £250 of overdraft interest free, then 15.9%
Overdraft 15.9% EAR
Interest rate 0.0% AER
Monthly account fee -
AER based on £1,000 deposits and meeting eligibility criteria. Overdraft based on being £500 overdrawn (excluding 0% overdrafts).
3. Santander 123 Current Account
1% interest on balances over £1,000, 2% over £2,000, and 3% interest on balances over £3,000 up to £20,000
1% cashback on water and council tax, 2% cashback on gas and electricity, 3% cashback on mobile and internet, phone and TV
No arranged overdraft fee for the first four months, then £1 per day
Overdraft £1 per day
Interest rate 1.0% AER
Monthly account fee £5
AER based on £1,000 deposits and meeting eligibility criteria. Overdraft based on being £500 overdrawn (excluding 0% overdrafts).
1% cashback on water and council tax, 2% cashback on gas and electricity, 3% cashback on mobile and internet, phone and TV
No arranged overdraft fee for the first four months, then £1 per day
Overdraft £1 per day
Interest rate 1.0% AER
Monthly account fee £5
AER based on £1,000 deposits and meeting eligibility criteria. Overdraft based on being £500 overdrawn (excluding 0% overdrafts).
2.TSB Classic Plus Account
5% AER on balances up to £2000. Additional 5% available on Monthly Saver account
5% cashback available on first £100 spent on qualifying purchases
To earn 5% AER pay in £500 a month and use internet banking paperless statements and paperless correspondence
Overdraft 19.94% EAR
Interest rate 5.0% AER
Monthly account fee -
AER based on £1,000 deposits and meeting eligibility criteria. Overdraft based on being £500 overdrawn (excluding 0% overdrafts).
5% cashback available on first £100 spent on qualifying purchases
To earn 5% AER pay in £500 a month and use internet banking paperless statements and paperless correspondence
Overdraft 19.94% EAR
Interest rate 5.0% AER
Monthly account fee -
AER based on £1,000 deposits and meeting eligibility criteria. Overdraft based on being £500 overdrawn (excluding 0% overdrafts).
1. Barclays Bank Account
Contactless debit card to make payments easier
Mobile and online banking
Stay in control of your account with free Text Alerts
Overdraft £0.75 per day
Interest rate 0.0% AER
Monthly account fee -
AER based on £1,000 deposits and meeting eligibility criteria. Overdraft based on being £500 overdrawn (excluding 0% overdrafts).
Mobile and online banking
Stay in control of your account with free Text Alerts
Overdraft £0.75 per day
Interest rate 0.0% AER
Monthly account fee -
AER based on £1,000 deposits and meeting eligibility criteria. Overdraft based on being £500 overdrawn (excluding 0% overdrafts).


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