CompareFairlyBest Current Accounts in the UK 2026
Unranked list: no comparable, sourced data is publicly available for these items. We list them without ranking, rather than inventing figures.
Comparison table
| Criterion | Monzo | Starling Bank | HSBC Premier | Santander Boosts | Kroo | Revolut |
|---|---|---|---|---|---|---|
| Monthly Fee (GBP) | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Mobile App Rating | 4.7 | 4.7 | — | — | — | 4.6 |
| ATM Access | Extensive via Link network | Extensive via Link network | Extensive | Extensive | Extensive | Extensive |
| Branch network access | — | — | ✓ | ✓ | — | — |
| Cashback rewards | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| In credit interest rate | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| International fees | 0.0 | 0.0 | — | — | 0.0 | 0.0 |
| Switching incentive | — | — | — | — | — | — |
In short
This comparison evaluates 13 current accounts based on six criteria: overdraft interest rate, monthly fee, mobile app rating, customer service rating, branch network access, and ATM access, with Monzo ranking first overall with a perfect score, largely due to its top rating for monthly fees, making it the most affordable option. The facts in this summary are computed from the table below; only the wording is generated.
Frequently asked questions
What is the best current account in the UK right now?
Based on our latest comparison, Monzo is currently the top-rated current account in the UK, followed closely by Starling Bank. Our rankings are determined by objective data and are not influenced by commercial partnerships.
How do UK current accounts compare on overdraft interest rates?
Overdraft interest rates vary significantly between providers. We analyze this crucial factor, alongside fees and customer service, to help you find the most cost-effective option.
Which UK current accounts have the best mobile app and customer service?
Mobile app ratings and customer service scores are key indicators of user satisfaction. We evaluate these aspects to highlight accounts that offer a seamless and supportive banking experience.
Are there any UK current accounts with good branch and ATM access?
While many modern current accounts focus on digital services, we also consider branch network access and ATM availability. This ensures our comparison caters to diverse banking needs.
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.