Bank Accounts – Search New Bank Accounts Now

Welcome to our bank account section of The Money Stop.

Bank Accounts

Account Offer	Interest Rate [AER]	Auth Overdraft Rate	Comments	More Details
Premier Current Account	0.5% on balances up to £2500, 0.1% thereafter	0% for 12 months	Must be over 21 and pay in £500 p/month. Free annual multi-trip European travel insurance worth up to £60 (upper age limit of 65 applies), Get a MoneyBack Rewards Credit Card (depending on your circumstances), Get an exclusive linked PlusSaver paying 4.50% gross each year /AER (variable)	More Info / Apply Now
Bank Account	0%	19.9%	*New Offer - Switch to HSBC and they will pay you £50* Fee free banking if your account is in credit, free 24/7 telephone and online banking available too.	More Info / Apply Now
RBS Interest Paying Current Accoun	0.1%	0% up to £100	RBS Interest-Paying Account r r Straightforward access to your money with no monthly subscription charges Pay no interest on agreed overdrafts of up to £100 Use your Interest Paying Account balance to save money on your mortgage with our Offset Service We pay interest on your account - it's calculated daily and credited once a month Apply online Credit facilities available to over 18s only.tttttttt    Find out more about the RBS Interest-Paying Account and apply online.	More Info / Apply Now
NatWest Current Plus Account	0.1%	0% up to £100	NatWest Current Plus Account r r Flexible account for your day-to-day banking needs No subscription charges Overdraft available, subject to eligibility Plus, get top ups for your mobile at NatWest cash machines Apply online Credit facilities available to over 18s only. Find out more about the NatWest Current Plus Account and apply online	More Info / Apply Now
Premier Direct Current Account	6.00% AER fixed 1 year on balances up to £1000	0%	Earn a market-leading rate of 6.00% AER (variable) on balances up to £2,500. After one year, 1.00% AER (variable) applies. Balances over £2,500 earn 0.10% AER (variable).	More Info / Apply Now
Natwest Advantage Gold Current Account	0.25%	0% up to £100	NatWest Advantage Gold Account r r A current account with benefits worth having! Benefits include annual worldwide family travel insurance, mobile phone insurance, breakdown cover with Green Flag, home emergency cover, extended warranty and much more Benefits worth up to £702 per year, for just £12.95 per month Plus get tailored rates on NatWest loans, savings and overdraft rates. Find out more about the NatWest Advantage Gold Account and apply online.	More Info / Apply Now
Bank Account Plus	10% up to £3,000	0% for 2 months	*New Offer - Switch to HSBC and they will pay you £50* Preferential rates or discounts for mortgages, insurance, overdrafts and savings. Worldwide family travel insurance - includes winter sports cover, free roadside recovery, discounts on dining and entertainment and life cover with £3000 benefit, Account fee applies - £6.47 for first 3 months, £12.95 p/month thereafter.	More Info / Apply Now
RBS Royalties Gold Current Account	0.15%	17% EAR	RBS Royalties Gold Account r r Benefits that could save you money and hassle including... Worldwide annual family travel insurance Mobile phone insurance (including iphones) Home emergency cover Breakdown cover Extended warranty Benefits are worth up to £896 per year, for just £12.95 per month Plus get tailored rates on RBS mortgages, loans and credit cards. Find out more about the RBS Royalties Gold Account and apply online.	More Info / Apply Now

 

Age Conditional Bank Accounts

Account Offer	Interest Rate [AER]	Auth Overdraft Rate	Comments	More Details
Premier 50 - For People over 50 years old	6% up to £2,500, 0.1% thereafter	0% for 12 months	Free travel insurance offering multi-trip worldwide travel insurance for a/c holders aged 79 or under, health benefits provides you with out-patient private medical consultation with unlimited access to 24hrs health information service, identity protection and alert, Card Care will help to protect you against fraudsters.	More Info / Apply Now
Premier 21 - For anyone aged 16 to 21	5% AER fixed for one year on balances up to £1000	0% for 12 months	No minimum deposit required, get an exclusive linked PlusSaver paying 4.50% gross each year /AER (variable), Visa debit card making it easy to shop online and in the high street.	More Info / Apply Now
Natwest Adapt Current Account (11-18yrs)	1.5%	N/A	NatWest Adapt Account - design your own bank card plus get free music downloads, texts and loads of other offers!  Apply online.	More Info / Apply Now
RBS Revolve Current Account (11-18yrs)	1.5%	N/A	RBS Revolve Account r r Design your own bank card with your own photo, artwork or choose one of our professional images Get free texts or music downloads when you top up your mobile at an RBS cash machine Free 2 for 1 Vue Cinema Card 25% discount on a 16-26 Railcard Save money at some of your favourite stores with the Revolve discounts card Earn interest on the money in your account Apply online  ttttttttttttttttttttt    Get a Revolve account	More Info / Apply Now

 

Can I get a bank account if I have poor credit?

If you have a poor credit history you may find it difficult to open a bank account with many of the high street and mainstream banks. However, many banks have now started to offer basic accounts, which have been created in conjunction with the government in order to provide more people with access to banking services. These accounts are often offered to those with poor or no credit, and offer basic facilities but do not offer debt cards, cheque books, or overdraft facilities.

What sort of accounts do most UK banks offer?

In the UK most banks now offer a range of bank accounts. You will find accounts such as basic bank accounts, current accounts, upgraded or premier accounts, student accounts, junior accounts, graduate accounts, and business accounts. In addition to this you can also enjoy a choice of savings account options.

What’s the deal with Internet banking?

Internet banking has come a long way over recent years, and has rocketed in popularity. Many people now conduct their banking online, as it is convenient and easy, and can be done from the comfort of your own home and at any time of the day or night. Internet banking is also a safe way to bank providing you access the bank website direct from your browser and not from an email link, and providing you do not give out your banking details in response to any emails. You can conduct all sorts of transactions through online banking, including setting up direct debits and standing orders, ordering statements and cheque books, checking your balance, making one off bill payments, transferring funds between accounts, apply for additional services such as loans, credit cards, and mortgages, and more.

Will I automatically get an overdraft with my bank account?

Not all bank accounts offer overdraft facilities. For instance, the basic bank accounts do not tend to offer any overdraft facility, and in some cases current accounts only offer this facility via application through the bank. However, some accounts offer an automatic overdraft – this is something you will need to check with looking into opening a bank account as it can vary from one bank to another.

What’s the best way to find a bank account to suit my needs?

The easiest way to find a bank account that will suit your needs and circumstances is to compare the different accounts available online and see which ones you are eligible for, and which ones offer the facilities you are looking for. You will also be able to compare rates of interest, restrictions, and any additional benefits.

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