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Current Accounts > Overdraft

Search and compare market leading Overdraft Current Accounts.

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Description Interest Overdraft
Paid AER EAR Limit
Everyday Current Account

Interest-free overdraft for four months when you switch your account. £1 per day thereafter. Dedicated switching service.

 N/A 0.00% 0.00% £5,000
Representative Example: If you have an overdraft limit of £5,000, a 0% EAR (variable) charge will apply and you will pay £1 per day.
Bank Account

Get a debit card, overdraft and access to online banking with no monthly fee.

 N/A 0.00% 19.30% £5,000
Representative Example: If you have an overdraft limit of £5,000, a 19.3% EAR (variable) charge will apply and you will pay £0.
123 Current Account

Up to 3% cashback on direct debits for household bills. 1% AER on balances of £1,000 or over, 2% on balances of £2,000 or over and 3% on balances of £3,000 or over. Requires at least two active direct debits on account. £2 monthly fee.

 Monthly 3.00% 0.00% £1,200
Representative Example: If you have an overdraft limit of £1,200, a 0% EAR (variable) charge will apply and you will pay £1 per day.
Additions Active

Get worldwide multi-trip travel insurance and other benefits including RAC breakdown cover. 18.3% EAR (variable) on agreed overdrafts from £301 to £5,000. £15 a month.

 N/A 0.00% 0.00% £300
Representative Example: If you have an overdraft limit of £300, a 0% EAR (variable) charge will apply and you will pay £0.
Current Account Plus

Get mobile phone insurance and other benefits including extended warranty for domestic appliances. 18.3% EAR (variable) on agreed overdrafts from £301 to £5,000. £6.50 a month.

 N/A 0.00% 0.00% £300
Representative Example: If you have an overdraft limit of £300, a 0% EAR (variable) charge will apply.
Privilege Premier Current Account

Fee-free arranged overdraft up to £300. £20 annual fee and 9.9% EAR on overdraft amounts of more than £300. Subject to status. RAC breakdown cover in the UK and Europe, worldwide family travel and mobile phone insurance. £13 monthly fee.

 N/A 0.00% 0.00% £300
Representative Example: If you have an overdraft limit of £300, a 0% EAR (variable) charge will apply.
Royalties Gold Account

Includes insurance for worldwide travel and mobile phones, plus Green Flag car breakdown cover and access to selected UK airport lounges. 19.24% EAR (variable) on overdrafts between £251 and £15,000. £12.95 monthly fee.

 N/A 0.00% 0.00% £250
Representative Example: If you have an overdraft limit of £250, a 0% EAR (variable) charge will apply.
Privilege Current Account

Fee-free arranged overdraft up to £200. £20 annual fee and 12.9% EAR on overdraft amounts of more than £200. Subject to status. Worldwide family travel and mobile phone insurance. 20% off Co-operative home insurance for first year. £9.50 monthly fee.

 N/A 0.00% 0.00% £200
Representative Example: If you have an overdraft limit of £200, a 0% EAR (variable) charge will apply.
Current Account Plus

Fee-free arranged overdraft up to £200. £20 annual fee and 15.9% EAR on overdraft amounts of more than £200. Subject to status. Minimum deposit of £800 required per month. No monthly fee. Linked savings account.

 N/A 0.00% 15.90% £200
Representative Example: If you have an overdraft limit of £200, a 15.9% EAR (variable) charge will apply.
Advantage Gold Account

Includes insurance for worldwide travel and mobile phones, plus Green Flag car breakdown cover. Withdraw up to £300 if you lose your card. 19.49% EAR (variable) on overdrafts between £101 and £7,500. £12.95 monthly fee.

 N/A 0.00% 0.00% £100
Representative Example: If you have an overdraft limit of £100, a 0% EAR (variable) charge will apply.
Select Silver Account

Includes HMV music downloads and LOVEFiLM DVD rentals, insurance for European travel and mobile phones. Withdraw up to £300 if you lose your card. 19.89% EAR (variable) on overdrafts between £101 and £7,500. £8 monthly fee.

 N/A 0.00% 0.00% £100
Representative Example: If you have an overdraft limit of £100, a 0% EAR (variable) charge will apply.
Select Silver Account

Includes HMV music downloads and LOVEFiLM DVD rentals, insurance for European travel and mobile phones. Withdraw up to £300 if you lose your card. 19.89% EAR (variable) on overdrafts between £101 and £15,000. £8 monthly fee.

 N/A 0.00% 0.00% £100
Representative Example: If you have an overdraft limit of £100, a 0% EAR (variable) charge will apply.
Select Account

Includes free iPhone app. Withdraw up to £300 if you lose your card. 19.89% EAR (variable) on overdrafts between £101 and £7,500. No monthly fees.

 N/A 0.00% 0.00% £100
Representative Example: If you have an overdraft limit of £100, a 0% EAR (variable) charge will apply.
Select Account

Includes free iPhone app. Withdraw up to £300 if you lose your card. 19.89% EAR (variable) on overdrafts between £101 and £15,000. No monthly fees.

 N/A 0.00% 0.00% £100
Representative Example: If you have an overdraft limit of £100, a 0% EAR (variable) charge will apply.

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Current Bank Accounts

A current bank account is a type of bank account offered by banks and building societies. People use Current Accounts for standard everyday transactions such as deposits and withdrawals of money and are often used to receive payment of salaries. Current Accounts offer a range of benefits to the user including cheque books, cash withdrawal cards, direct debit facilities, standing orders and interest paid on the money held within them. Interest and benefits offered by Current Accounts will vary greatly from institution to institution.

High Interest Current Accounts

A high interest current account is a current account for day to day banking requirements which pays a higher amount of interest to the account holder on funds deposited within it than standard current accounts.

Online Current Accounts

An online current account is now ubiquitous with every major bank offering internet banking. People can now access online current accounts 24 hours a day to handle all of their banking needs. They can open online current accounts, withdraw money, apply for loans, credit cards, mortgages and even work with a personal banker. Most major banks now provide online banking, and there are many financial institutions that operate solely as an online banking facility on the Web.

Business current account

A Business Bank Account is a bank account with specifically tailored features and benefits for the needs of a business. Business Bank Accounts give better rates to businesses that open both current and saving Business Bank Accounts. There are many Business banking facilities available offering varying rates of interests and benefits.

How to find the Best Current Account for You

To find the best current accounts or the current account for you ensure that you shop around. Each current account offers different incentives, overdraft limits and rates along with the frequency of interest paid. You should compare the functionality of each current account making sure you select one that matches your requirements.

 

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