Compare everyday bank accounts
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Read from each issuer's own pages · The oldest figure here was read 34 days ago.How we compare
4 of 4 accounts
Barclays
£0 a month. Barclays states this is a flexible everyday account with no monthly fees.
Barclays states the account is for everyday spending; a Blue Rewards upgrade costs £5 a month and is optional (read 2026-09-22).
No credit interest is paid: Barclays publishes no credit interest rate for the Barclays Bank Account, and its account page sets out overdraft interest and fees only (barclays.co.uk, read 2026-09-22).
The debit card charges a 2.75% or 2.99% non-sterling transaction fee depending on the currency, including cash withdrawals abroad (Barclays using your debit card abroad, read 2026-09-22).
NatWest
£0 a month. NatWest states the Select account offers no monthly fee.
Everyday UK transactions carry no fee: no charge for a Direct Debit, standing order, Faster Payment, a cash withdrawal in pounds in the UK, or a debit-card payment in pounds; CHAPS is £23 between banks or £21 between branches, and an international payment is charged by value and urgency, from £1 to £30 (NatWest Fee Information Document, read 2026-09-22).
No credit interest is paid: NatWest publishes no credit interest rate for the Select account, whose rates and charges set out overdraft interest and fees only (natwest.com, read 2026-09-22).
The debit card charges a 2.75% non-sterling transaction fee on a payment or cash withdrawal in a foreign currency (NatWest support centre, read 2026-09-22).
HSBC UK
£0 a month. HSBC states the Bank Account has no monthly account fee.
UK faster payments in pounds are free, and from 4 November 2025 HSBC charges no fee for a CHAPS payment; an international payment to a non-HSBC account is £5 by branch, telephone, mobile or online, or £17 by post (HSBC current-account interest rates and fees, read 2026-09-22).
No credit interest is paid: HSBC's current-account interest and charges page sets out overdraft and card fees and publishes no credit interest rate for the Bank Account (hsbc.co.uk, read 2026-09-22).
The debit card charges a 2.75% fee for a payment or cash withdrawal in a foreign currency on all accounts other than Global Money (HSBC using your card abroad, read 2026-09-22).
Santander UK
£0 a month. Santander states the Everyday Current Account has no monthly fee.
Everyday UK transactions carry no fee: no charge for maintaining the account, a Direct Debit, standing order, Faster Payment, cheque payment, cash withdrawal in pounds or a debit-card payment in pounds; CHAPS is £25 and a banker's draft is £10 (Santander Everyday Current Account Fee Information Document, read 2026-09-22).
No credit interest is paid: Santander's Key Facts Document states "We don't pay any interest on the account" (Santander Everyday Current Account Key Facts Document, read 2026-09-22).
A foreign currency conversion fee of 2.95% applies to a cash withdrawal in a foreign currency and to a debit-card payment in a foreign currency; a withdrawal at a Santander cash machine in Spain, Germany, Poland, Portugal, Argentina, Brazil, Chile, Mexico, Puerto Rico, Uruguay or the USA is free (Santander Everyday Current Account Fee Information Document, read 2026-09-22).