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Compare  Packaged Current Accounts

Santander

Everyday Current Account
Santander logo
Switch Guarantee
Monthly Account Fee
No fee
Switch Incentive

Four month interest and fee-free overdraft

Interest Rate (AER)
0.00%
Representative Example:

If you use an arranged overdraft of £1,200 you will be charged £1 per day. If you are switching to Santander then there will be no Arranged Overdraft Usage Fee for the first 4 months. Actual credit limit may differ. Arranged Overdraft Usage Fee depends on the amount of overdraft you are using.

Santander

1|2|3 Lite Current Account
Santander logo
Switch Guarantee
Monthly Account Fee
£1
Switch Incentive

Four month interest and fee-free overdraft

Interest Rate (AER)
0.00%
Representative Example:

If you use an arranged overdraft of £1,200 you will be charged £1 per day. If you are switching to Santander then there will be no Arranged Overdraft Usage Fee for the first 4 months. Actual credit limit may differ. Arranged Overdraft Usage Fee depends on the amount of overdraft you are using.

NatWest

Reward current account
NatWest logo
Switch Guarantee
Monthly Account Fee
£2
Switch Incentive

None

Interest Rate (AER)
0.00%
Representative Example:

£2 monthly fee. If you use an arranged overdraft of £1,200 you will be charged 19.89% EAR variable and £6 per month. Other overdraft fees: please see provider website for details.

Royal Bank of Scotland

Reward current account
Royal Bank of Scotland logo
Switch Guarantee
Monthly Account Fee
£2
Switch Incentive

None

Interest Rate (AER)
0.00%
Representative Example:

£2 monthly fee. If you use an arranged overdraft of £1,200 you will be charged 19.89% EAR variable and £6 per month. Other overdraft fees: please see provider website for details.

N26

Black Current Account
N26 logo
Monthly Account Fee
£4.90
Switch Incentive

None

Interest Rate (AER)
0.00%
Apply now

100% mobile banking. No fees on ATM withdrawals abroad, in any currency. Manage limits, set PIN, lock/unlock card from the app. No Direct Debit or Standing Order facilities. No overdraft facility. Travel without the fees.

Santander

1|2|3 Current Account
Santander logo
Switch Guarantee
Monthly Account Fee
£5
Switch Incentive

Four month interest and fee-free overdraft

Interest Rate (AER)
1.50%
Representative Example:

If you use an arranged overdraft of £1,200 you will be charged £1 per day. If you are switching to Santander then there will be no Arranged Overdraft Usage Fee for the first 4 months. Actual credit limit may differ. Arranged Overdraft Usage Fee depends on the amount of overdraft you are using.

Interest rate - 1.50% AER/1.49%gross (variable) on up to £20,000

Revolut

Premium Current Account
Revolut logo
Monthly Account Fee
£6.99
Switch Incentive

None

Interest Rate (AER)
0.00%
Apply now

Revolut is a prepaid card and app used by 4.5m+ customers across Europe and Australia, to make massive savings on fees when spending and sending money abroad. See More Info. 

Royal Bank of Scotland

Reward Silver current account
Royal Bank of Scotland logo
Switch Guarantee
Monthly Account Fee
£10
Switch Incentive

None

Interest Rate (AER)
0.00%
Representative Example:

£10 monthly fee. If you use an arranged overdraft of £1,200 you will be charged 19.89% EAR variable and £6 per month. Other overdraft fees: please see provider website for details.

NatWest

Reward Silver current account
NatWest logo
Switch Guarantee
Monthly Account Fee
£10
Switch Incentive

None

Interest Rate (AER)
0.00%
Representative Example:

£10 monthly fee. If you use an arranged overdraft of £1,200 you will be charged 19.89% EAR variable and £6 per month. Other overdraft fees: please see provider website for details.

Revolut

Metal Current Account
Revolut logo
Monthly Account Fee
£12.99
Switch Incentive

None

Interest Rate (AER)
0.00%
Apply now

Revolut is a prepaid card and app used by 4.5m+ customers across Europe and Australia, to make massive savings on fees when spending and sending money abroad. See More Info. 

N26

Metal Current Account
N26 logo
Monthly Account Fee
£14.90
Switch Incentive

None

Interest Rate (AER)
0.00%
Apply now

100% mobile banking. No fees on ATM withdrawals abroad, in any currency. Manage limits, set PIN, lock/unlock card from the app. No Direct Debit or Standing Order facilities. No overdraft facility.

Royal Bank of Scotland

Reward Platinum current account
Royal Bank of Scotland logo
Switch Guarantee
Monthly Account Fee
£20
Switch Incentive

None

Interest Rate (AER)
0.00%
Representative Example:

£20 monthly fee. If you use an arranged overdraft of £1,200 you will be charged 19.89% EAR variable and £6 per month. Other overdraft fees: please see provider website for details.

NatWest

Reward Platinum current account
NatWest logo
Switch Guarantee
Monthly Account Fee
£20
Switch Incentive

None

Interest Rate (AER)
0.00%
Representative Example:

£20 monthly fee. If you use an arranged overdraft of £1,200 you will be charged 19.89% EAR variable and £6 per month. Other overdraft fees: please see provider website for details.

  • Current Accounts
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  • Compare Packaged Current Accounts

    Choosing a current account can be a difficult decision, especially as they all relatively perform the same function of allowing you to keep your money safe. However, there are a wide range of perks available to tempt customers to open a current account with a particular provider.

    One way of guaranteeing a good set of perks is by choosing a packaged current account. These types of accounts will usually come with travel insurance, mobile phone insurance, car breakdown cover, an overdraft, or all of the above. Since these accounts are highly sought after, it means you will usually pay a monthly fee to use it, so it’s worth using all of the perks to make it worthwhile.

    What is a packaged current account?

    A packaged current account is the same as a regular current account, but it comes ‘packaged’ with additional services, such as insurance or other rewards.

    However, it does come with a monthly fee which you will have to pay in order to use the account. If you make use of all of the included perks, you’re likely to save money overall, though you will need to make sure you add the monthly fee onto your outgoings.

    Which packaged current account would be best for me?

    When you are trying to decide which current account is best for you, it can sometimes come down to which perks would suit your specific circumstances. Benefits of a packaged current account include:

    • Travel insurance
    • Breakdown cover
    • Mobile phone insurance
    • An arranged overdraft

    A packaged account usually comes with a monthly fee, so it’s worth comparing fees just to see if you can get the same perks but by paying less. As long as you end up in profit by the end of each month, rather than paying for perks you aren’t using, getting a packaged current account is worthwhile for you.

    Am I eligible to apply for a packaged current account?

    If you’re eligible for a standard current account, chances are you will be accepted for a packaged current account, especially as you normally pay a monthly fee for the perks.

    Before you apply for any current account, or apply to switch current accounts, it’s always worth checking your credit report just to see what your current credit score is. Banks and building societies will usually credit check you and will be able to see your financial history to make sure they are not taking a risk when accepting you. If you have a bad credit score, you might want to think about improving it prior to applying for any new accounts or financial products.

    Our current account providers

    We work with a huge range of providers to give you a wide selection of current accounts to choose from, ensuring you can find an account that will assist you in managing your money.

    Each provider is screened to make sure they meet our high standards before we agree to work with them. This ensures that you can trust them as much as we do, allowing you to find the best product from a reputable source.

    We have a wide range of current accounts from high street banks with thousands of branches to smaller challenger banks whose app-based current accounts can be accessed quickly and easily.

    Whether you are looking to switch to a standard current account, or find a student account with a free overdraft, you can easily browse our products and start comparing them today.

    Have a look through our list of providers to find the right current account for you.

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