Current Accounts

A good current account is vital for basic financial management - it gives you access to credit cards, mortgages, loans, and other credit products. Find out all you need to know about current accounts in our guides below.

Current Account Basics

What is a current account?

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How we bank in the UK today

With an increase in banking apps, web chats, and voice control technology, the way we bank in the UK is changing.

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Joint current accounts

Looking to open a joint current account? This guide covers everything you need to know about what to consider when choosing a joint current account.

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High interest bank accounts

High-interest bank accounts pay a higher rate of interest on in-credit balances than other current accounts. Find out how they work in this guide.

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How to reclaim bank charges

If you feel you have been charged excessively by your bank, you could ask to have them returned to you. Find out how in this guide.

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All Current Account Guides

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What are overdrafts and how do they work?

If you regularly need to dip into your bank account's overdraft, make sure you get one with low fees and charges - or consider another type of short-term borrowing.

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A guide to LGBT+ personal finance

For most LGBT+ people, financial planning is relatively straightforward - but some areas, such as wills, pensions, and insurance can require a little finesse to navigate.

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Why you should switch energy providers and shrink your bill

Millions of Brits are paying too much for their energy. Here's how to take meter readings, understand your bill, make sure you're not being overcharged, and get the best deal by switching.

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What’s the difference between a current and savings account?

If you're deciding whether to open a current or savings account - or both! - make sure you know the differences.

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What is a current account?

Current accounts are at the core of the personal finance ecosystem. You need a bank account to pay and receive money, and to have other products like credit cards and mortgages.

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What happens to a bank account when someone dies?

If you have a trust or joint account, accessing the deceased's bank account is easy. Otherwise, you must apply for probate and it can take some time to access the money. Plan ahead with these proactive tips, if possible.

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Switching bank accounts

Switching current accounts has never been easier, and can net you up to £200 in cold hard cash for doing so. Here's why you should switch accounts - and what you should keep in mind.

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Student bank accounts

Student bank accounts are free to use and offer a wealth of goodies, freebies and discounts - because banks want to keep you as a loyal customer after you graduate.

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Reward current accounts

Reward current accounts reward you with free cashback and other benefits just for putting money into your account and everyday spending.

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Prepaid bank accounts

Prepaid current accounts and cards are comparable to conventional bank accounts, but you can't go into debt and they can help with your financial planning.

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£99 petrol pump deposit starts rolling out

Some pay-at-pump petrol machines now put a £99 pre-authorisation charge on your card. Some customers have reported that the charge sticks around for a few days. Here's why it happens and how to get rid of it.

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The biggest personal finance mistakes to watch out for

Here's how to get started with good personal finance habits, such as using the right forms of credit, avoiding hidden fees, and how to budget and start building up your savings.