The account you keep matters more than the one that pays you to arrive.
12 accounts, each checked against the bank’s own page. What it pays you, what it costs to hold, and what it asks of you every month.
Sorted by the interest the account pays you, highest first. An account that pays nothing is not ranked below one that pays 0%, it simply has no rate to show. Set by William · Deal editor
Worth knowingAll three accounts qualify, but only FlexDirect and FlexAccount are fee-free. FlexPlus costs £18 a month.
Worth knowingYou pick one benefit at a time and can switch between them: 2.75% AER interest on your balance, 3% cashback on eating out, or Direct Debit cashback. You cannot have all three.
Worth knowingYou cannot send money outside the UK from a Kroo account, and the 2.65% rate is variable, so it can change.
Worth knowingNew customers only: you cannot have held a first direct product before, or have opened an HSBC current account on or after 1 January 2018.
Worth knowingYou must not have held a NatWest current account on 6 May 2026, and a previous NatWest Group switch bonus rules you out for good.
Worth knowingApply in the mobile app only, and pay in £2,000 plus spend £500 on the card within 60 days.
Worth knowingYou must not have held an RBS current account on 6 May 2026, and a previous NatWest Group switch bonus rules you out for good.
Worth knowingYou must not have held an Ulster Bank current account on 26 May 2026, and a previous NatWest Group switch bonus rules you out for good.
Worth knowingPremier customers only: you need £100k sole or £120k joint income paid in, £100k in savings or investments with NatWest, or a £500k NatWest mortgage, and you must pay in £15,000 within 90 days
Worth knowingYou must also pay at least £200 into a Santander Regular Saver within 60 days, and the offer ends on 7 October 2026
Worth knowingThe cashback needs at least 15 payments a month, and it only counts card purchases: Direct Debits and bank transfers do not earn it.
Worth knowingStarling pays no interest on your balance, and its arranged overdraft is priced between 15.0% and 35.0% depending on your circumstances.
13 Aug
Some of these accounts pay you to switch. That is a different question.
The detail behind each one.
Every account above has its own page: what it pays, what it costs, the catch and the date we checked it.