Bank provider comparison table
Important: This guide provides general information, not personalised financial advice. Financial products, rates and eligibility rules can change, so check the provider’s current terms before applying. You can check a firm’s details on the FCA Register.
FSCS protects eligible deposits up to £120,000 per person, per authorised institution.
Quick answer
These tables put the providers we cover side by side, using figures from each provider’s own website as of 3 October 2026. The first covers personal current accounts; the second, business accounts.
A dash means we didn’t record that figure. Lloyds Business isn’t included because we couldn’t verify its fees on Lloyds’ own site.
Personal current accounts
| Provider | Monthly fee | Switch offer | Card spending abroad | Savings rate we checked | More |
|---|---|---|---|---|---|
| Starling | £0 | None seen | No fees from Starling | 4.00% AER (incl. 1.50% fixed bonus for 6 months, up to £25k); 2.50% standard after that or above £25k. The 5.00% new-customer rate has ended. | Starling |
| Chase | £0 | None seen; 2% cashback with conditions | — | 2.25% AER (4.50% AER boosted, new customers) | Chase |
| Monzo | £0; plans from £3 | None seen | — | 2.75%–3.50% AER by plan | Monzo |
| Barclays | £0 (Bank Account) | Up to £300 (may be withdrawn) | 2.99% non-sterling fee | Not checked | Barclays |
| NatWest | £0 (Select) | £200 (until withdrawn) | 2.75% (Select) | Regular Saver 5.25% AER up to £5,000 | NatWest |
| Santander | Often £0 (Everyday) | — | 2.95% (Everyday) | Not checked | Santander |
| TSB | £0 (Spend & Save); £3 (Plus) | None seen; £5 monthly cashback with 20+ card payments | None from TSB on Plus | Monthly Saver 5.00% fixed, £25–£250 a month | TSB |
| Virgin Money | £0 (M Plus) | None seen | No Virgin Money fees | M Plus Saver 1.75% AER; Double Take 4.16% AER | Virgin Money |
| Co-operative Bank | £0 | Prize draw, not a fixed payment | 0% currency conversion | Regular Saver 7.00% variable, up to £250 a month | Co-operative Bank |
| Metro Bank | £0 | None seen | 2.99% (+£1.50 cash) | 0.90% AER easy access; fixed 3.70%–3.75% | Metro Bank |
| Zopa (Biscuit) | £0 | — | No added fees from Zopa | Limited Access up to 4.56% AER (new customers, incl. bonus) | Zopa |
Figures as of 3 October 2026, from each provider’s own website. Starling Easy Saver rate re-checked 18 October 2026. Rates and fees can change. Rows for TSB, Virgin Money, Co-operative Bank, Metro Bank and Zopa as of 4 October 2026.
Business accounts
| Provider | Monthly fee | Transfers | Accounting software | More |
|---|---|---|---|---|
| Starling | £0 | No fees on UK payments | Xero, QuickBooks, FreeAgent | Starling business |
| Monzo Business | Lite £0; Pro £9; Team from £25 | — | On Pro and Team | Monzo Business |
| Tide | £0 to £69.99 | 5 a month on Free; unlimited on Pro/Max | Direct Xero feed | Tide |
| Revolut Business | From £10 | 10 to 1,000 free a month by plan, then £0.20 | Xero feed | Revolut Business |
| Barclays | £0 for 12 months, then £8.50 | Transaction charges apply | Sage offer | Barclays business |
| NatWest | 2 years free for full CASS switchers | — | FreeAgent free | NatWest business |
| Santander | £0 for 12 months, then £9.99 | — | 6 months Xero free | Santander business |
| HSBC | Small Business Banking: no monthly fee (Kinetic closed to new customers) | Free UK digital banking | — | HSBC Kinetic status |
| TSB Business Plus | £0 for 30 months (start-ups), then £5 if average balance under £10,000 | Electronic payments free | — | TSB Business Plus |
| Virgin Money M Account for Business | £0 | Free day-to-day online banking | Xero, Sage, Shopify | Virgin Money M Account for Business |
| Co-operative Bank Business Bank Account | £0 | Automated payments free | Free integration | Co-operative Bank Business Bank Account |
| Metro Bank Business Bank Account | £0 if daily balance £6,000+, else £8 | 30 free then 30p | — | Metro Bank Business Bank Account |
| Allica Bank | £0 if average balance £10,000+, else £25 | Up to 150 free Faster Payments | Sage, Xero, QuickBooks, FreeAgent | Allica Bank |
| Cashplus (Zempler Bank) | Go £0; Extra £9; Pro £19 | 3 / 20 / 500 free, then 35p | Integrated accounting | Cashplus |
| Wise Business | 50 GBP one-off set-up | From 0.24%, varies by currency | Accounting integrations | Wise Business |
Figures as of 3 October 2026, from each provider’s own website. Rates and fees can change. Rows for TSB, Virgin Money, Co-operative Bank, Metro Bank, Allica, Cashplus (Zempler) and Wise Business as of 4 October 2026.
Who it’s for
- People comparing banks before opening or switching an account
- Business owners shortlisting providers
Who should skip it
These are general points to weigh up, not advice. You may want to look elsewhere if:
- You need a full-market comparison — these are the providers we cover
Full explanation
Start by ruling out accounts that don’t fit your situation — for example, Chase has no business account, and Santander’s Classic business account is for up to two owners. Then compare the cost after any free period ends.
For savings, compare the rate you’d get after any bonus ends, not just the headline rate.
The catch
Offers and rates change often. Several figures here are introductory or conditional — read the provider page for the conditions.
FAQs
Why isn’t Lloyds Business in the table?
Lloyds’ website blocked our check on 3 October 2026, and other sources disagreed about its monthly fee, so we left it out rather than publish an unverified figure.
Are these providers paying to be listed?
No. One link (Monzo) on some provider pages is a labelled referral link; it doesn’t decide what we include.
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