0% Overdraft Current Accounts

We use our bank accounts every day, whether it’s paying for the weekly shop, receiving wages or making a direct debit. But yet relatively few ever take the time to consider if we’re getting the best deal from our current accounts. With a huge selection of accounts available in the UK there’s a big chance that you could be making your money work harder.

		Monthly Charge	Minimum Monthly Credit	Overdraft Interest Free	Overdraft Standard Rate	Overdraft Standard Charge	Headline Interest Rate	Banking Web	Banking Branch	Banking Tel
	NatWest Select Account	£0	£0	£100	19.89%	£0	0%
	Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 19.89% EAR (variable).
	The Co-operative Bank Privilege Account	£9.50	£0	£200	0%	£0	0%
	Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 0% EAR (variable).
	First Direct 1st Account	£0	£0	£250	15.9%	£0	0%
	Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 15.9% EAR (variable).
	RBS Select Account	£0	£0	£100	19.89%	£0	0%
	Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 19.89% EAR (variable).
	The Co-operative Bank Privilege Premier	£13	£0	£300	0%	£0	0%
	Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 0% EAR (variable).
	Barclays Current Account Plus	£6.50	£0	£300	18.3%	£0	0%
	Representative Example: Up to £300, 0% interest per annum (variable). £301-£5,000, 18.3% interest per annum (variable). Subject to status and application.
	NatWest Advantage Gold	£12.95	£0	£100	19.49%	£0	0%
	Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 19.49% EAR (variable).
	NatWest Select Silver Account	£8	£0	£100	19.89%	£0	0%
	Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 19.89% EAR (variable).
	Barclays Additions Active	£15	£0	£300	18.3%	£0	0%
	Representative Example: Up to £300, 0% interest per annum (variable). £301-£5,000, 18.3% interest per annum (variable). Subject to status and application.
	Halifax Ultimate Reward Current Account => £1,000 per mth	£15	£1,000	£300	0%	£1-2 per day	0%
	Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 0% EAR (variable).
	RBS Royalties Gold	£12.95	£0	£250	19.24%	£0	0%
	Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 19.24% EAR (variable).
	Lloyds TSB International Current Account	£7.50	£0	£200	15.8%	-	0.05%
	Barclays Premier Life Account	£17.50	£0	£1,000	14.9%	£0	0%
	Representative Example: Up to £1,000, 0% per annum (variable) £1,001 to £5,000, 14.9% per annum (variable) Subject to status & application
	Citi Plus Account	£0	£1,800	£500	16.9%	£0	0%
	Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 16.9% EAR (variable).
	Citi Citigold Current Account	£0	£5,000	£500	9.9%	£0	0.1%
	Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 9.9% EAR (variable).
	Coventry Building Society Coventry First	£0	£1,000	£250	0%	£5 per month	1.1%
	Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 0% EAR (variable).
	First Direct 1st Account (with firstdirectory)	£12	£0	£250	15.9%	£0	0%
	Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 15.9% EAR (variable).
	First Trust Packaged Account	£8	£0	£100	Unlimited	£0	0.1%
	First Trust Plus Current Account	£0	£1,200	£100	Unlimited	£0	0.1%
	HSBC Premier	£0	£0	£500	11.9%	£0	0%
	Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 11.9% EAR (variable).