Current Bank Account
The current account is the most popular form of personal bank account. It provides the holder with a cheque book, cheque guarantee card, an ATM card for withdrawing cash and an account debit card. Some cards combine functions. A current account can be used to receive your salary and also to set up standing orders (fixed monthly payments or subscriptions etc.) and direct debits (variable monthly payments for bills). Should you need to, you can also negotiate an overdraft on your current account with your bank. This will attract charges and allows you to take your account 'into the red' for a short or extended period in which you can spend to an agreed limit beyond the level of funds you actually have in the account. Account terms and conditions vary from bank to bank so choose the one that best suits your needs.
Get UK Bank Account in Seconds
1 Summary: 6.00% credit interest rate; 0% overdraft for 12 months; Free Switching Service; 24-hour account servicing
2 After 12 months, 0% overdraft continues but a usage fee of 50p a day (£5 max per month) applies if agreed overdraft is used. Max overdraft limit is £2,500
3 Get an exclusive linked PlusSaver paying 5.00% gross each year/AER (fixed) on balances up to £50,000.
Important information about UK Current Bank Accounts
- Offers are available for United Kingdom residents only
- US visitors should visit Free Checking Account page
- Accounts are subject to approval
- Charges for other account-related services may apply

