The largest switching payment on our board: £220 for a full switch through the Current Account Switch Service, for new customers.
Apply in the mobile app only, and pay in £2,000 plus spend £500 on the card within 60 days.
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You must also pay at least £200 into a Santander Regular Saver within 60 days, and the offer ends on 7 October 2026
Includes a 12 month boost for new customers only, Three penalty free withdrawals
You must not have held a NatWest current account on 6 May 2026, and a previous NatWest Group switch bonus rules you out for good.
All three accounts qualify, but only FlexDirect and FlexAccount are fee-free. FlexPlus costs £18 a month.
New customers only: you cannot have held a first direct product before, or have opened an HSBC current account on or after 1 January 2018.
Current-account customers only, and monthly saving only
Interest is paid only on the first £3,000, and the account lasts 12 months.
No access to your money until the three-year term ends.
Monthly saving only, you can’t deposit a lump sum
Fixed for one year: early withdrawal or closure carries a penalty.
Money locked for two years
App only, and unpaid interest is forfeited if you close or transfer out.
The rate runs for 12 months, and interest is paid only on the first £500,000.
No access until maturity
Only limited companies and LLPs registered at Companies House can apply; general partnerships and unregistered charities are not supported.
For sole traders and limited companies with up to two owners, with a balance limit of £1 million. FreeAgent stays included only while you make at least one transaction a month.
For businesses trading under a year with turnover under £1 million. After the free period you move to the Standard Tariff's transaction charges, which NatWest prices per transaction rather than as one monthly fee.
Built for established businesses: Allica describes customers typically incorporated for at least 12 months who deposit £50,000 or more. The 4.08% savings rate and 1.5% cashback are "up to" figures with conditions attached.
You need at least £10,000 to open it, and every withdrawal takes 95 days' notice.
Your money can't be withdrawn until the fixed term ends, and the deposit window closes two weeks after opening.
The cashback needs at least 15 payments a month, and it only counts card purchases: Direct Debits and bank transfers do not earn it.
You cannot send money outside the UK from a Kroo account, and the 2.65% rate is variable, so it can change.
The £5 monthly Club Lloyds fee is refunded any month you pay in £2,000 or more. You need to move at least 3 active direct debits, and direct debits set up after you start the switch do not count. You cannot get it if you have taken a switching offer from Lloyds, Halifax or Bank of Scotland since January 2023.
Premier 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
Starling pays no interest on your balance, and its arranged overdraft is priced between 15.0% and 35.0% depending on your circumstances.
You 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.
You need a Chase current account to open it
No additional deposits or early withdrawals for the full five years.
Your money is locked away for seven years with no early withdrawals, and the rate is below DF Capital's own one, two and five year deposits.
Money is locked away for the 1 year fixed period.
£5,000 minimum, and 90 days’ notice to withdraw
No access to your money until the two-year term ends, and you need at least £5,000 to open it.
£5,000 minimum, funded within seven days of opening, and no access to your money until the one-year term ends.
Includes a bonus rate for 6 months then drops to 3.04%
Minimum £25 a month deposit, if money is withdrawn then you can't replace it.
Not available for residents of Northern Ireland, Variable rate so could go up or down.
£25,000 minimum across your Monument accounts
Withdrawing early closes the ISA with an early access charge, you cannot top it up after opening, and new Nationwide customers must apply in branch.
Withdrawing early closes the ISA with an early access charge, you cannot top it up after opening, and new Nationwide customers must apply in branch.
Not a flexible ISA, you cannot transfer other ISAs into it, and the rate sits well below the best cash ISAs.
Early withdrawal costs 90 days’ interest
No additional deposits, withdrawals or closures until the term ends on 1 October 2028, so the money is locked for the full two years.
Needs a Santander current account. The 8.00% includes a 5.00% bonus for the first 12 months, then drops to 3.00%.
No catches other than you need to pay in a minimum of £1 in 30 days to keep the account open.
New customers only get 1.06% bonus for 1 year. Max 3 withdrawals a year before rate falls to 2%.
The rate is variable and sits well below Allica's own fixed and notice rates; instant access is what you're paying for.
The free year is for businesses new to Barclays, and transaction charges apply on top of the monthly fee.
The 6 months' free Xero and £200 Amazon gift card offer carries its own conditions, and charges beyond the account fee still apply to how you use the account.
Lite is the free plan; the tax pots, expense tools and team features sit on Pro (£9 a month) and Team (from £25 a month).
The free year is for start-ups and switchers; otherwise the £9.99 standard monthly fee applies. For UK-registered businesses with up to 2 directors, owners or partners.
£5,000 minimum, locked for the full year, and not open to LLPs, charities or trusts.
The plan fee is £0, but usage fees sit outside it: check Tide's own pricing table for what your payments and deposits would cost.
Dealing charges on top of the annual fee
A cut-down range compared with the full AJ Bell platform
Share and ETF trades cost £4.95 each and US trades carry a 0.95% FX fee, on top of the 0.4% service fee.
The free plan limits you to 13 funds and charges at least £1 a month, and fund charges are on top.
Under £25,000 you pay £7.50 a month flat unless you set up a regular savings plan
A 0.99% FX fee on every non-GBP trade on the free plan, and the lower FX rates and better cash interest need a paid plan.
Share deals cost up to £6.95 each, and fund manager charges sit on top of the account fee
A flat fee costs more than a percentage on a small pot
ETFs only, so no individual shares or funds
Fund charges sit on top of the 0.25% service charge, and you can only hold Legal & General's own funds.
Fund costs of up to 0.21% sit on top of the 0.70% fee
Only five ready-made funds to choose from, and 0.55% a year in total is high against the cheapest platforms.
You can only hold Vanguard's own funds
Amex isn't accepted everywhere. If the card is not paid in full then there is a high interest charge. You need to spend at least £3,000 on the card to qualify for any cashback.
At 33.9% representative APR, anything you do not clear each month gets expensive quickly.
The 0.5% rate away from Amazon halves to 0.25% after 12 months, and you need a personal income over £20,000.
At 34.9% representative APR this is an expensive way to borrow, and NatWest states it carries no 0% offer.
The card costs £24 a year unless you hold a NatWest Reward current account, and the 31.0% representative APR is higher than its 25.9% purchase rate because of that fee.
There are no foreign transaction fees on purchases, but cash withdrawals abroad are charged separately and interest starts on them immediately.
No 0% period at all, and your rate could be up to 18.9% depending on NatWest's credit assessment.
The £84 annual fee is only refunded if you hold a Reward Black current account, and you need to earn at least £15,000 a year.
It costs £3 a month whether you use it or not, so the card charges £36 a year before any interest.
The 3% rate lasts twelve months and covers only travel and eating out; everything else earns 0.25%, and so does everything after year one.
The 3.15% fee is added up front, and after the first three months any new purchases are charged interest while a transfer is outstanding.
Twelve months is a short window, and after the first three months new purchases are charged interest while a transfer is outstanding.
The £15 monthly fee is why the representative APR is 49.8%, and you would need to spend £3,000 a month to earn the cashback cap.
The 3.45% transfer fee is charged up front, so moving £3,000 costs £103.50 before the 0% period starts.
The 2.95% transfer fee is charged up front and added to your balance, so the 0% window is not free.
A smaller fee buys a shorter window: 15 months here against 36 on their standard transfer card.
There is no 0% period at all, so interest starts on anything you do not clear in full.
The 14 months is guaranteed but shorter than Tesco's own 21-month card, and transfers must be made within 90 days to get 0%.
A £220 switching offer, a savings rate and free business banking are not the same kind of good, so nothing here is ranked by a formula. Our editors order the page by judgement, every card comes from a category comparison we maintain, and when an offer stops being right it leaves this page automatically. Commercial value never decides a position.
See each category for everything we track: bank switching, savings & ISAs and business accounts.
