# Best Current Accounts in the UK _CompareFairly · en/GB · neutral comparison, cited sources, no paid placement_ **Category:** finance › banking › current accounts **Our pick**: Starling Current Account (89/100) · **Cheapest**: Starling Current Account ## 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 | | Overdraft Interest Rate (%) | 15 | 18.9 | 19 | - | 20 | 19.9 | | International Transfer Fees (GBP) | 0 | 0 | 0 | 0 | 1.5 | 2 | | Cashback/Rewards (GBP) | 0 | 0 | 0 | 0 | 0 | 0 | | Customer Service Rating (/5) | 4 | 4.2 | 4 | 4 | 4.1 | 4 | | App Features (/5) | 4.7 | 4 | 4 | 4 | 3.9 | 3.8 | | In-Branch Services | - | ✓ | - | - | ✓ | ✓ | | Account Opening Time (jours) | 3 | 5 | 2 | 4 | 6 | 7 | ## 1. Starling Current Account Starling has made it seven years in a row as a WRP, giving longstanding top performer First Direct a run for its money. **Best for:** Customers who prioritize excellent online and mobile banking services and fee-free international spending. **Pros:** - Longstanding top performer - Excellent online and mobile banking service - Fee-free international spending _Source (verified): [https://www.which.co.uk/money/banking/bank-accounts/best-bank-accounts/best-and-worst-banks-a8VTn0B0PJNC](https://www.which.co.uk/money/banking/bank-accounts/best-bank-accounts/best-and-worst-banks-a8VTn0B0PJNC)_ ## 2. HSBC Everyday Global Account Our most popular, everyday current account that provides all you need to stay on top of your finances. **Best for:** Customers seeking a popular everyday current account with no monthly fees and access to additional banking products. **Pros:** - No monthly account fee - Access to retail offers - Access to Regular Saver Account _Source (verified): [https://www.hsbc.co.uk/current-accounts/compare/](https://www.hsbc.co.uk/current-accounts/compare/)_ ## 3. Monzo Current Account Like rival Starling, it impresses customers with features such as fee-free international spending, cashback deals, savings round-ups and instant spending notifications. **Best for:** Customers looking for a digital bank with fee-free international spending and useful money management features. **Pros:** - Fee-free international spending - Cashback deals - Savings round-ups - Instant spending notifications **Cons:** - Average customer service for contacting _Source (verified): [https://www.which.co.uk/money/banking/bank-accounts/best-bank-accounts/best-and-worst-banks-a8VTn0B0PJNC](https://www.which.co.uk/money/banking/bank-accounts/best-bank-accounts/best-and-worst-banks-a8VTn0B0PJNC)_ ## 4. Revolut Standard Account Revolut came close to being a WRP, but at the time of the survey it was still operating as an e-money provider. **Cons:** - Poor treatment of fraud victims - Disproportionately higher levels of authorised push payment (APP) fraud money _Source (verified): [https://www.which.co.uk/money/banking/bank-accounts/best-bank-accounts/best-and-worst-banks-a8VTn0B0PJNC](https://www.which.co.uk/money/banking/bank-accounts/best-bank-accounts/best-and-worst-banks-a8VTn0B0PJNC)_ ## 5. Barclays Current Account This is our flexible everyday account with no monthly fees, smart money tools and digital banking. **Best for:** Customers looking for a flexible everyday account with no monthly fees and digital banking features, with a potential switch bonus. **Pros:** - No monthly fees - Smart money tools - Digital banking - Switch bonus available _Source (verified): [https://www.barclays.co.uk/current-accounts/](https://www.barclays.co.uk/current-accounts/)_ ## 6. Lloyds Bank Classic Account A straightforward current account from a well-established bank, with branch access. _Source (estimate): [https://www.lloydsbank.com/](https://www.lloydsbank.com/)_ ## 7. NatWest Select Account A basic current account with no monthly fee, offering access to physical branches. _Source (estimate): [https://www.natwest.com/](https://www.natwest.com/)_ ## 8. Santander Everyday Account A fee-free current account with the option of in-branch services. _Source (estimate): [https://www.santander.co.uk/](https://www.santander.co.uk/)_ ## 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. ## 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. --- _Generated by CompareFairly - neutral universal comparator. Ranking not for sale, data sourced._ --- _CompareFairly · https://comparefairly.com/en/GB/best-current-accounts-in-the-uk — citation with a link is allowed; bulk extraction/redistribution is prohibited._