CompareFairlyBest Current Accounts in the UK 2026
Our pick : Starling Current Account (89/100) · Cheapest : Starling Current Account
In short
This comparison covers 8 current accounts across 8 criteria: Monthly Fee, Overdraft Interest Rate, International Transfer Fees, Cashback/Rewards, Customer Service Rating, App Features. Starling Current Account comes first with 89/100, driven by App Features (100/100) and International Transfer Fees (100/100). HSBC Everyday Global Account follows at 87/100 and beats it on In-Branch Services. The cheapest option is Starling Current Account. Sourced data: 5/8 options; the remaining values are estimates, flagged as such.
Comparison table
| Criterion | Starling Current Account | HSBC Everyday Global Account | Monzo Current Account | Revolut Standard Account | Barclays Current Account | Lloyds Bank Classic Account |
|---|---|---|---|---|---|---|
| Monthly Fee (GBP) | 0.0 | 0 | 0.0 | 0.0 | 0 | 0.0 |
| Overdraft Interest Rate (%) | 15.0 | 18.9 | 19.0 | — | 20.0 | 19.9 |
| International Transfer Fees (GBP) | 0.0 | 0.0 | 0.0 | 0.0 | 1.5 | 2.0 |
| Cashback/Rewards (GBP) | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Customer Service Rating (/5) | 4 | 4.2 | 4 | 4 | 4.1 | 4.0 |
| App Features (/5) | 4.7 | 4.0 | 4 | 4 | 3.9 | 3.8 |
| In-Branch Services | — | ✓ | — | — | ✓ | ✓ |
| Account Opening Time (jours) | 3.0 | 5.0 | 2.0 | 4.0 | 6.0 | 7.0 |
Frequently asked questions
What is the best current account in the UK right now?
The Starling Current Account is currently rated as the best in the UK with a score of 89/100, closely followed by the HSBC Everyday Global Account.
How do you compare UK current accounts?
We compare UK current accounts based on key factors like monthly fees, overdraft interest rates, international transfer costs, cashback or rewards, customer service ratings, and app features.
Is your current account ranking sponsored?
No, our ranking is completely neutral and unbiased; we do not accept payment for placement, and all data used for comparison is sourced.
Which current account has the lowest fees for international transfers in the UK in 2026?
While specific fees vary, accounts like the Starling Current Account are known for competitive international transfer costs, which we detail in our comparison.
Methodology and transparency
Ranking: options are sorted on measured, sourced criteria. No position is ever sold, and no advertiser pays to appear here.
Scope: this comparison is not exhaustive. It presents the options our sources document, not every offer on the market.
Earnings: some outbound links may be affiliate links that earn us a commission. This never affects the ranking, the scores or the data.
Data: every value is linked to its source and refreshed automatically; the collection date is shown.