Type

Monthly fee

Extra Features

Free app-based account

Personal Account

Scrooger Score
8.97 / 10
Monthly Fee
FREE
Maximum Interest (AER)
0.5% up to £2,000
0.25% up to £85,000
Overdraft Facility
First £500 is interest-free until 1 July 2020
15.0% / 25.0% / 35.0% EAR

based on a range of different factors
ATM Withdrawals
Free
£300 daily limit
Minimum Monthly Credit
None
Best Features
Free UK current account, Depositing money through the Post Office Counter Service, Easy cheque deposits, No fees overseas, Mastercard’s exchange rate

Full UK current account

Current Account

Scrooger Score
8.19 / 10
Monthly Fee
FREE
Maximum Interest (AER)
0%
Overdraft Facility
Limit up to £3,000
19.0% / 29.0% / 39.0% EAR
depends on the credit score
ATM Withdrawals
Free
£400 daily limit
£5,500 monthly limit
Minimum Monthly Credit
None
Best Features
Free UK current account, Mastercard Debit Card, Pay with Apple and Google Pay, Easy payments and transfers, A flexible overdraft, Pay money into account by cash and cheque

Get Rewards and travel insurance

Reward Silver Bank Account

Scrooger Score
8.12 / 10
Monthly Fee
£10.00
Maximum Interest (AER)
0%
Overdraft Facility
£6 monthly usage fee
19.89% EAR
ATM Withdrawals
£300 daily limit
Minimum Monthly Credit
£0
Best Features
Earn £4 a month back in Rewards for 2 or more Direct Debits - 2 of those Direct Debits needs to be at least £2 each. Plus, earn an extra £1 a month back in Rewards with 1 mobile app log in, Travel & Mobile phone insurance, Fee-free debit card purchases abroad

Earn cashback on your household bills

1|2|3 Current Account

Scrooger Score
8.07 / 10
Monthly Fee
£5.00
Maximum Interest (AER)
1.50% up to £20,000
Overdraft Facility
£1 a day below £2,000
£2 a day £2,000 to £2,999.99
£3 a day £3,000 and over
ATM Withdrawals
Free
£300 daily limit
Minimum Monthly Credit
£500
2 direct debits
Best Features
Monthly interest of 1.50% AER on balances up to £20,000, Arranged Overdraft facility, Up to 3% cashback on selected household bills, 1|2|3 World offers, Earn up to 15% cashback with Retailer Offers

Great benefits with Club Lloyds

Club Lloyds

Scrooger Score
8.02 / 10
Monthly Fee
FREE
Maximum Interest (AER)
1.00% up to £4,000
2.00% up to £5,000
Overdraft Facility
Daily fee: 1p for every full £6 borrowed up to £1250. A further 1p for every additional £7 borrowed between £1250 - £2500. A further 1p for every additional £8 borrowed over £2500.
ATM Withdrawals
£500 daily limit
Free EEA withdrawal, £1.50 other countries
2.99% foreign currency transaction fee
Minimum Monthly Credit
£1500
If you pay less, you'll pay £3 each month
Best Features
Each year you can choose either 6 cinema tickets, an annual magazine subscription, or annual Gourmet Society membership, Get up to 15% cashback when using your Visa Debit Card at selected retailers, Earn monthly credit interest

£100 when you switch

Current Account

Scrooger Score
7.97 / 10
Monthly Fee
FREE
Maximum Interest (AER)
0%
Overdraft Facility
£250 interest-free overdraft
39.9% EAR above that
ATM Withdrawals
£500 daily limit
Minimum Monthly Credit
None
Best Features
£250 interest-free overdraft (subject to status), £100 welcome when you switch, access to 2.75% AER Regular Saver Account, award-winning customer service from real people in the UK

Everyday Bank Account

Select Bank Account

Scrooger Score
7.97 / 10
Monthly Fee
FREE
Maximum Interest (AER)
0%
Overdraft Facility
£6 monthly usage fee
19.89% EAR
ATM Withdrawals
£300 daily limit
Minimum Monthly Credit
None
Best Features
Get a contactless Visa Debit Card - make payments under £30 with one tap, Pay with your phone with Apple Pay and Google Pay and bank on the go with our easy to use Mobile Banking app, No monthly fee

Earn interest on your credit balance

Classic Account with Vantage

Scrooger Score
7.97 / 10
Monthly Fee
FREE
Maximum Interest (AER)
1.00% up to £4,000
2.00% up to £5,000
Overdraft Facility
First £500 is interest-free until 9 July
39.90% EAR 
From 9 July 2020:
39.90% EAR / 39.90% APR
ATM Withdrawals
£500 daily limit
Free EEA withdrawal, £1.50 other countries
2.99% foreign currency transaction fee
Minimum Monthly Credit
£1,000
Best Features
Earn interest up to £5,000, Free everyday banking, Access to our Internet Banking and the Mobile Banking app, 24-hour telephone services as well as any of our branches in Scotland, A Visa debit card enabled for contactless payments, Free text message alerts

Where the smart money goes

Current Account

Scrooger Score
7.92 / 10
Monthly Fee
FREE
Maximum Interest (AER)
0.5% up to £2,000
Overdraft Facility
Arranged overdraft available with 19.90% EAR
ATM Withdrawals
£500 daily limit
Minimum Monthly Credit
None
Best Features
Free UK current account, Depositing money through the Post Office Counter Service, Positive Maximum Interest, Free debit card, Apple Pay & Google Pay

3% AER interest

Classic Plus Account

Scrooger Score
7.92 / 10
Monthly Fee
FREE
Maximum Interest (AER)
3.00% up to £1,500
Overdraft Facility
39.9% EAR
ATM Withdrawals
£300 daily limit
Free EEA withdrawal
1.50% other countries fee
2.99% foreign currency transaction fee
Minimum Monthly Credit
£500
Best Features
Free everyday banking, Positive interest up to £1,500, 24 hour money - take control of your bank account round the clock through Internet Banking, Telephone Banking and our Mobile Banking app, as well as around 500 branches in the UK.
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