Current Account reviews from Reddit
Summary
We analyzed 169 Reddit reviews across 18 subreddits and 44 posts to rank the best Current Account brands recommended by redditors, including communities like r/UKPersonalFinance, r/irishpersonalfinance, r/StartUpIndia, r/IndiaTax, r/eupersonalfinance. Top-rated brands include Starling (4.8/5), Monzo (4.7/5), Revolut (4.2/5).
Stats
Reviews169
Subreddits18
Posts44
Brands76
Products40
169 reviews from
and
By Brand
/By Product
#1
Starling
4.8
(15)
"Starling has a high interest rate, paid monthly."
"Been using Starling as my sole current account for a few years and have been very happy with their service."
"Highly recommend Starling, I've been using it for more than 3 years."
"Starling are excellent"
"Highly recommend starling"
"I used Starling as my 1st donor account."
"We use Starling just because it’s easy and the app is great."
"I started using Starling and it's absolutely brilliant."
"All the new online banks, starling, revolt, monzo, tide have well made and easy."
"Starling. Just as easy as monzo."
#2
Monzo
4.7
(9)
"I have been using Monzo for 5 years with my partner and have put quite a bit on saving pots+investing."
"Monzo is very user friendly and an excellent choice for a joint account."
"Agree with others, Monzo works perfectly."
"Monzo make it very easy."
"Monzo just so much easier than any high street bank."
"I would strongly suggest Monzo or Starling."
"Monzo is decent overall. Been with them a few years, nice app and no real issues."
"I really like monzo, their app is really good and they have some great security options."
"Monzo is £5 via refer a friend."
#3
Revolut
4.2
(9)
"I discovered to my surprise that Revolut actually send me a reminder notification a day or two prior, to ensure to have sufficient funds in Revolut - which I find immensely useful."
"Revolut does the job! I receive my salary through them, pay all my bills."
"Think as an irish person, need to have a revolut acc regardless of it being main or peripheral acc."
"Does n26 or Revolut allow joint bank accounts yet? They would be great for a bills account to try them out."
"Then Revolut for day to day."
"Revolut for day to day stuff, shops, cinema, coffee, dinner etc etc."
"Honestly mate I'd probably go with revolut for your needs."
"Maybe have a look at Revolut. It’s a online bank, with good transfer rates."
"Revolut"
#4
IDFC
4.3
(8)
"Can't recommend IDFC enough."
"IDFC is pretty fast, smooth and good."
"Try IDFC."
"IDFC is a good option."
"I will talk to my IDFC RM to get more info on this!"
"IDFC offers around 6.75 if ur balance is over certain limit for current account"
"IDFC -"
"They had a few problems at the start, but now they're mostly fine."
#5
N26
4.4
(7)
"I couldn’t recommend N26 highly enough to get paid into."
"Use N26 instead."
"I couldn’t recommend N26 highly enough to get paid into. No fees, very user friendly."
"Account is guaranteed by the German central bank, so just feels safer than lithuanian central bank and revolut."
"N26 free account which I'm paid into. Great app."
"No surprise charges for letting your money sit there either."
"I use n26 and also located in Germany, everything works good with it."
#6
Santander
3.9
(8)
"Santander 123 or Select account will give you plenty of cashback on bills."
"We use Santander for our kids from 12. They get a contactless debit card and an okay app to track their spending."
"[Santander 123 Mini](https://www.santander.co.uk/personal/current-accounts/123-mini-current-account) (from age 13)."
"Santander's 123 Lite has been excellent for my bills."
"Im with Santander and I have no issues."
"Should net you £10 or so a month."
"Look at the Santander 123 accounts. The lite has a small fee of £12/year but gives cashback on several retailers."
"You're about 5 years too late for the good Santander 123 account."
#7
Nationwide
4.0
(6)
"I’ve just switched to nationwide for £175 which has cap of £5 for cash back then I use chase for groceries etc."
"I switched last year and get 5% interest on balances upto £5k and cashback upto £5 for 12 mths."
"Nationwide flexplus is good if you will use the benefits."
"[Nationwide FlexOne](https://www.nationwide.co.uk/current-accounts/flexone/) (from age 11)..."
"I’ve got £5,000 in a 4% 1-year bond with Nationwide."
"I found nationwide is a good bank."
#8
HDFC
3.0
(7)
"Go with Hdfc startup current account. For 1 year there will be no minimum balance required."
"For beginners, Axis or Hdfc will do."
"Hdfc ascent current account."
"I prefer HDFC for myself and suggest my corporate clients the same."
"I am kind of inclined towards HDFC for their bizz black/DCB card."
"Don't go with HDFC they are fools and cunning, i have a very bad experience with them."
"HDFC Bank account is a very shitty bank."
#9
Barclays
4.5
(4)
"I’ve just opened the Barclays rainy day saver. If you already bank with them it’s a no brainer."
"If you want it to be accessible I think the barclays 5% on up to £5k is the best."
"Barclays rainy day saver offers 5% on 5000."
"Barclays Blue Rewards is a few pounds a month."
#10
Chase
4.0
(4)
"Yes. Open a chase account and activate their 1% cashback."
"Surprised no one has recommended Chase yet, 1% cashback monthly, base rate - 2 interest on easy access savings."
"Your best bet is open a chase account and use that to switch around the different banks."
"I have a chase account and use it purely as an easy access saver and that's 2.1%."
#11
Arifureta
4.7
(3)
"Arifureta is one of my favorites! The Haulia are absolutely ruthless and I loved every bit of it."
"Arifureta is awesome. Especially what happened in season 3’s pilot. The Haulia are absolutely ruthless after Hajime’s unique training he put them through."
"Arifureta"
#12
EBS
3.5
(4)
"I think getting paid into EBS and just transferring money into revolut for spending is the best bet."
"Recommend EBS Basic account with no charges."
"Open an EBS current account, zero fees but poor online banking facilities."
"EBS has no fees."
#13
Lloyds
4.3
(3)
"I would go for Lloyds, simply because they have an actual branch you can go into if there is an issue."
"Lloyds have done this for me in the past."
"Club Lloyds is decent if you can open one of those as a joint account."
#14
NatWest
4.0
(3)
"[https://www.natwest.com/premier-banking/products/current-accounts/reward-black-account.html](https://www.natwest.com/premier-banking/products/)"
"Natwest give you cash back on bills and purchases."
"Which nets £3 a month."
#15
Halifax
3.7
(3)
"Halifax rewards doesn’t necessarily have to be just bills and you get £5 a month which is neat."
"They’re my main bank and I really like their app."
"I do all my banking with Halifax."
#16
Lloyds FlexDirect
5.0
(2)
"It's 5% on £1.5k for 12 mths . It's the flexdirect current account."
"I think it’s 5% on up to £1500 now, that’s the deal I got on the current account."
#17
ING
5.0
(2)
"I switched to Ing and am quite happy that I’m done with Deutsche Bank and co."
"I'm a ING customer in the Netherlands and pretty happy with it. They're renowned for their digitalization globally and their apps and websites just work great."
#18
Lloyds Club
5.0
(2)
"I've just switched to club lloyds, picked up a years worth of disney plus, 0.2% of my mortgage and they have an online saver for up to £400 a month with over 6% interest"
"Club lloyds account, 6 free cinema tickets a year!"
#19
Axis
3.3
(3)
"Axis as it will give your burgundy account."
"For beginners, Axis or Hdfc will do."
"The account has high maintenance charges and transaction limits."
#20
NS&I
4.5
(2)
"NS&I I’d fully backed by the treasury to 100%. This is definitely the way."
"NS&I all day."
#21
Maya
4.5
(2)
"Maya isn't just an e-wallet now. It's a fully fledged online bank."
"Kung high interest rate hanap mo may Maya, Seabank, Tonik, KOMO and CIMB."
#22
Skydo
4.5
(2)
"I think that's the cheapest option out there."
"It looks pretty cool. So conversion rate not an issue."
#23
IndusInd
3.0
(3)
"Indusind bank,they have packages like T25,50 etc... each with their own benefit."
"IndusInd offers a 0 MAB current account option."
"Don't take IndusInd."
#24
Virgin Money
4.0
(2)
"If you travel a lot then there may be some options with free lounge passes."
"If you have more than £1000 in your emergency fund you'd like to get 2% on."
#25
Wise
4.0
(2)
"Wise support all forms of USA, UK and European money transfers, so do ensure you choose the lowest cost option."
"I would suggest using Wise and/or Payoneer. They are very user friendly and they allow you to exchange your money between the 3 currencies."
#26
AIB
4.0
(2)
"I opted for the *AIB + Revolut/N26 combo*. AIB charge (yes, there is a charge still) €4.50/quarter."
"AIB. No complaints."
#27
TSB
4.0
(2)
"I got £30 for opening a TSB account through Quidco a few months ago."
"Get referred for TSB and use that plus make some extra money."
#28
HSBC
4.0
(2)
"HSBC offer free worldwide travel insurance with their Premier account."
"HSBC do a kids account called 'My Money' which also gives them a linked savings account paying 3.75%."
#29
Credit Union
5.0
(1)
"Credit union current account is what I use and find it brilliant."
#30
KBC
5.0
(1)
"KBC is like a hybrid between traditional and digital banks."
#31
Kotak Mahindra Bank
5.0
(1)
"It has the best mobile app amongst all other banks."
#32
Bunq
5.0
(1)
"I would highly recommend Bunq."
#33
First Direct
5.0
(1)
"If you want to switch to First Direct. You get £175 so long as you switch current accounts."
#34
Spice and Wolf
5.0
(1)
"The spice and wolf novels are great imo"
#35
Ascendance of a Bookworm
5.0
(1)
"Have you tried Ascendance of a Bookworm? It’s one of my absolute favorites."
#36
PTSB
5.0
(1)
"PTSB have the cheapest current account with a decent app and applepay/googlepay."
#37
BPI
5.0
(1)
"Hi, i got a pamana account in BPI. It’s like a hybrid savings account and life insurance."
#38
Seabank
5.0
(1)
"I use Seabank with 5% interest rate, paid daily."
#39
Qonto
5.0
(1)
"Qonto is now available in Belgium indeed. It has built-in invoicing and integrates pretty well with thousands of integrations and accounting tools including the Stripe integration."
#40
ICICI Bank
4.0
(1)
"Best is to open 2 bank accounts - 1 each with ICICI & SBI."
#41
State Bank of India
4.0
(1)
"Best is to open 2 bank accounts - 1 each with ICICI & SBI."
#42
Chqbook
4.0
(1)
"Try with an app called Chqbook."
#43
Raiffeisen Bank
4.0
(1)
"Raiffeisen is pretty international and people I know never had issues with it."
#44
Erste Bank
4.0
(1)
"My choices as of now in order of preference are Erste bank, Raiffeisen, and Bank of Austria."
#45
Bank of Austria
4.0
(1)
"My choices as of now in order of preference are Erste bank, Raiffeisen, and Bank of Austria."
#46
An Post
4.0
(1)
"I really like the an post app, plus they have apple pay too!"
#47
Discover
4.0
(1)
"You can use Discover as they give 1% cashback on up to $3000 in purchases each month."
#48
Japan Post
4.0
(1)
"The only bank that does not require this is Japan Post."
#49
Resona
4.0
(1)
"I recently got an account with Resona. So far their online banking app is fully English and pretty legit."
#50
Sainsbury's Bank
4.0
(1)
"Have a look at like sainsburys Bank or tesco Bank."
#51
bunq
4.0
(1)
"Would also look at bunq. They offer Irish IBAN and interest rate of sitting balance."
#52
Natwest
4.0
(1)
"Second vote for the Natwest Rewards account - £3 profit every month."
#53
ICICI
4.0
(1)
"I'll recommend to open one with a private bank with a cheque book & NEFT facility."
#54
Bank of Baroda
4.0
(1)
"Bob current account with 0 minimum balance, 1 free soundbox upi qr + more if each device has 1lac turnover."
#55
Club Lloyds
4.0
(1)
"I find it a good current account."
#56
AU Small Finance Bank
4.0
(1)
"AU Small Finance Bank provides a digital current account with no minimum average balance."
#57
Card One Money
4.0
(1)
"The account has a reasonable monthly fee and only charges if used."
#58
IDFC First
4.0
(1)
"Good user interface and has got sweep in FD facility too for current accounts"
#59
Kroo
4.0
(1)
"Kroo is £10."
#60
SSE Airtricity
4.0
(1)
"They offer cashback with SSE Airtricity."
#61
Triodos
4.0
(1)
"Triodos is a reliable option for banking."
#62
M&S
4.0
(1)
"M&S has appealing signup offers."
#63
Axis, ICICI, HDFC
4.0
(1)
"You can go for any bank (axis, icici, hdfc)."
#64
IDFC Bank
4.0
(1)
"It comes with no Minimum Balance requirements with no hidden charges except debit card fee."
#65
Public Sector Banks
4.0
(1)
"First try to open Current account in any PSB no hidden charges, if they reject then go for other private banks."
#66
Santander Edge
4.0
(1)
"Santander edge is best for bills as you can get Cashback on most direct debit bills."
#67
Deutsche Bank
4.0
(1)
"Try Deutsche Bank, since you only have residence in Germany"
#68
DKB
4.0
(1)
"Did you try DKB?"
#69
Credit Unions
4.0
(1)
"I've heard a lot of buzz about Credit Unions from regular Superstonk."
#70
Permanent TSB
3.0
(1)
"They reduce the fee based on transactions, so I don't think I've ever paid more than 2.50."
#71
Chaos Bringer
3.0
(1)
"Chaos bringer mynogra"
#72
When Hikaru Was on Earth
3.0
(1)
"When hikaru was on earth"
#73
Katahane no Riku
3.0
(1)
"Katahane no riku"
#74
IDFC First Bank
3.0
(1)
"Thinking of opening up current acc in idfc first bank, any more concerning points other then UPI not available?"
#75
Axis Bank
2.0
(1)
"I have one with Axis rn and it doesn't have UPI and that sucks"
#76
SBI
1.0
(1)
"Dont go with SBI."
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