With every credit check slightly reducing your credit score, you may also want to think twice about opening multiple high interest accounts, especially if you're planning to apply for a mortgage soon. Once you've decided on a current account, and you're sure you fulfil all the eligibility requirements, the process should be straightforward.
This service guarantees that your account, including all your direct debits and standing orders, is switched over within seven days. Almost all providers will offer this nowadays, so you shouldn't have to do anything after your application has been accepted except wait for your new card and banking details. Some people successfully maximise the interest and rewards available from high interest accounts by setting up multiple bank accounts and moving money between them.
While this requires a lot of work and organisation, the rewards can be worth it. What to do if your application is rejected? Well, most importantly, don't just apply for another account straight away. If it was rejected because you don't quite fulfil the requirements, it might be time to look at alternatives. If a high rate of interest is not your priority, you could potentially consider a packaged account instead.
These accounts typically offer travel insurance, mobile phone cover and breakdown cover, among other incentives, in exchange for a fee. This includes tracking cookies. High interest current accounts explained Savings accounts used to be the only sensible place to put your hard-earned cash, but due to the effect of inflation, it can be difficult to get a real return.
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Revise Search. Show me products first that have quick links to the provider's site. Overdraft Rate EAR. Additional Information. View Further Details. General Account Details Funding Required. Facilities Cheque Book. Standing Orders. Switch Service Guarantee. Service Performance The table below shows the provider's current account service performance. Service Completed. Arranged Overdraft. Usage Fee. Interest Free Overdraft Buffer. Fee Free Overdraft Buffer.
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Arranged overdraft is fee based. Switch Service Guarantee member. Packaged Account. Santander Current Account. Arranged overdraft daily usage fee. Starling Bank Current Account - Age 18 and over.
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Applications via app only. Swtich Service Gurantee member. Facilities Direct Debits. Get internet banking - - -. Benefits Some benefits might be available on this account. Santander Mini Current Account. Age restrictions apply. High arranged overdraft interest rate plus monthly usage fee.
Facilities Account Sweeping. Account can only be opened in branch. Facilities Standing Orders. Discounted AA driving lessons if aged Santander Select Current Account. Adviser offering financial services - Free relationship manager. Emergency Cash Service - Emergency cash and card replacement service Worldwide. Show More. Quick Links Quick links are where we have an arrangement with a provider so you can move directly from our site to theirs to view more information and apply for a product.
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Ask us anything Search. High Interest Current Accounts. Derin Clark Online Reporter. At a glance The high interest rates paid on certain current accounts make them a great alternative to a traditional savings account. Language Selected English. Register Back to my accounts Business. Take a look at our range of current accounts and guidance to see what will suit you. Advance Bank Account. Premier Bank Account. Includes a relationship management service and complimentary travel insurance. Bank Account. Everyday account that can link to a range of savings accounts and an overdraft.
Student Bank Account. An account designed to help students and apprentices with their finances. View all current accounts. Related articles. How to switch current accounts. Opening a current account.
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