Best current accounts on Reddit
72 reviews from r/UKPersonalFinance, r/irishpersonalfinance, r/expats
72 reviews from
and
By Brand
/By Product
#1
Monzo
4.6
(10)
"Monzo is better than any high-street bank for a good bank account."
"Monzo offers a truly great service."
"Monzo is great for managing day-to-day expenses."
"I use Monzo and I really like it."
"For me, it has to be Monzo or Starling."
"Monzo or Starling. Both have great mobile apps."
"Very efficient bank. Instant access at 3%. Fee free overseas."
"Monzo is my preferred one, they're trying to push more towards customer features."
"The 123lite account offers lower charges and useful features like instant notifications and budgeting tools."
"The full 123 account is beneficial for those with significant cash deposits due to interest and cash back."
#2
HSBC
4.2
(11)
"HSBC Premier is very good because it's free, but you get worldwide travel insurance, and access to the World Elite credit card, which has an awesome sign-up bonus spread over the first two years."
"HSBC has been good for me."
"The HSBC account is useful for expediting the ability to create bank accounts in other countries."
"I upgraded mine to HSBC premier earlier this year."
"It's a pretty good account with fast customer service."
"The free HSBC account is worthwhile for the free travel insurance."
"It's nice to just have it in the background without having to think about it."
"Didn’t realise HSBCs free Premier account gave travel insurance."
"Having travel insurance is great, but lounge access is not very useful."
"The travel insurance from HSBC is good."
#3
Barclays
4.1
(11)
"If you are into Avios, Barclays Avios rewards with Barclays Avios Plus credit card would be a great deal."
"I pay nothing for Barclays Premier. Premier exclusive mortgage rate saved me a couple of grand."
"I got the Barclays one and got over 125k just for opening it and spending 3k in 3 months on the avios credit card."
"The most valuable travel benefits come from the platinum card, not the free accounts."
"The paid Barclays account is worth it for the Avios during promotional periods."
"The service is better and more human-like, with a £500 overdraft and profitable avios conversion."
"I've got the barclays one as I have the avios benefit."
"You get travel and car breakdown insurance with Barclays."
"You can pick up a solid chunk of avios and upgrade vouchers from Barclays if you get the credit card."
"I stick with Barclays though for the Avios because I’m a little points whore."
#4
Starling
4.5
(4)
"Starling is better for everyday usage, and an awesome travel card (pretty much free to use abroad)."
"Starling offers a truly great service."
"Starling is the best app for budgeting with unlimited goals for envelope budgeting."
"Starling has moved towards business accounts and wants to expand into Europe."
#5
NatWest
4.0
(4)
"The natwest premier black was the only account I have found to be worth the monthly subscription."
"Just switched from a NatWest Reward Black to a Santander Select."
"The NatWest reward is great with a switch payment of £125 and easy monthly fees."
"For their £2/month charge, I get £5/month reward, so that's fine by me since I don't keep a large balance in that account."
#6
Nationwide
4.0
(4)
"I’ve used Nationwide’s packaged account for travel, breakdown, gadget/phone insurance as I’d get these anyway otherwise and it was cheaper this way."
"The account offers great benefits like travel insurance and breakdown cover, making it worth the monthly fee."
"I just moved to Nationwide primarily for their phone insurance."
"Nationwide offers a refer-a-friend scheme for £100 and a competitive 5% interest rate for 12 months."
#7
Lloyds
4.0
(3)
"Currently offering £125 or £100 switching bonuses."
"I'm pretty happy with my club Lloyds account, it's free as long as you have more than 1.5k a month coming in and I get a few quid of interest a month and 6 free cinema tickets a year."
"Lloyds I use and the app is fantastic."
#8
First Direct
4.5
(2)
"By far the best bank and customer service I’ve ever experienced and cannot recommend them highly enough."
"First Direct gives £100 to switch and consistently does well for service."
#9
Natwest
3.0
(3)
"Natwest offers competitive account limits and access to the same call center as Coutts."
"Pay £20 for the Reward Platinum and get £5 cash back plus useful perks."
"Absolute waste of time, only interested in selling unnecessary products."
#10
N26
4.0
(2)
"N26 is good and it’s a real bank."
"I also set up an N26 bank account which is free."
#11
Halifax
4.0
(2)
"Halifax will give you £5 for a monthly debit card spend of £500 and a monthly £1500 pay in."
"The Halifax account offers £100 to switch, which is appealing if you can meet the requirements."
#12
Revolut
3.5
(2)
"I've moved to Revolut primarily. No issues so far."
"Check out revolut, or any of the other internet banks."
#13
Tesco
3.5
(2)
"Offers 3% interest on balances up to £3,000 with specific requirements."
"The interest rate is competitive at 3%, but the requirement of 3 direct debits is quite steep."
#14
Santander
5.0
(1)
"Santander actually had the best deal for my situation."
#15
World Elite
5.0
(1)
"The World Elite is a Mastercard so less of a hassle than using Amex."
#16
Moneysavingexpert.com
5.0
(1)
"Moneysavingexpert.com provides updated lists for the best banking options."
#17
Vanguard
5.0
(1)
"Vanguard is a reliable choice."
#18
iWeb
5.0
(1)
"IWeb is a good option for banking."
#19
An Post
4.0
(1)
"An Post or your local Credit Union seem to have a better offering than the main three."
#20
Virgin
4.0
(1)
"Switch to Virgin for the free wine."
#21
RBS
4.0
(1)
"The RBS one is decent, I've used it a few years now."
#22
TSB
4.0
(1)
"Offers 5% interest on balances up to £1,500, but may require branch visit."
#23
Bank Account Savings
4.0
(1)
"Just need a few direct debits!"
#24
Main Bank
4.0
(1)
"My main bank account is reliable for my wages and bills."
#25
NatWest / RBS
4.0
(1)
"NatWest / RBS is likely the best around. £3 back for paying out two direct debits and paying in £1500 a month."
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