Best current account switching deals

Account: 1st Account

Arranged Overdraft Rate (EAR): 39.90%

Interest Rate (AER): 0.00%

Account Fee: N/A

Switching Incentive: £175 cash for accounts switching using the Current Account Switch Service. Additional T&Cs apply.

_{Representative Example: Based on an overdraft limit of £1,200. Up to £250.00 charged at 0.00% EAR Variable. Over £250.00 charged at 39.90% EAR Variable. Representative 30.5% APR variable.}

Account: FlexAccount

Arranged Overdraft Rate (EAR): 39.90%

Interest Rate (AER): 0.00%

Account Fee: N/A

Switching Incentive: £200 cashback for accounts switched using Current Account Switch Service. Must be a qualifying Nationwide member on 31 March 2025, holding an eligible mortgage, savings or current account. Must transfer 2 direct debits within 28 days and pay in £1,000 and make at least one debit card payment within 31 days. T&Cs apply.

_{Representative Example: Based on an overdraft limit of £1200. Up to £50.00 charged at 0.00% EAR Variable. Over £50.00 charged at 39.90% EAR Variable. Representative 39.9% APR variable.}

Account: FlexDirect - Funded

Arranged Overdraft Rate (EAR): 39.90%

Interest Rate (AER): 5.00%

Account Fee: N/A

Switching Incentive: £200 cashback for accounts switched using Current Account Switch Service. Must be a qualifying Nationwide member on 31 March 2025, holding an eligible mortgage, savings or current account. Must transfer 2 direct debits within 28 days and pay in £1,000 and make at least one debit card payment within 31 days. T&Cs apply.

_{Representative Example: Based on an overdraft limit of £1200. Up to £50.00 charged at 0.00% EAR Variable. Over £50.00 charged at 39.90% EAR Variable. Representative 39.9% APR variable.}

Account: FlexPlus

Arranged Overdraft Rate (EAR): 39.90%

Interest Rate (AER): 0.00%

Account Fee: £18.00 pm

Switching Incentive: £200 cashback for accounts switched using Current Account Switch Service. Must be a qualifying Nationwide member on 31 March 2025, holding an eligible mortgage, savings or current account. Must transfer 2 direct debits within 28 days and pay in £1,000 and make at least one debit card payment within 31 days. T&Cs apply.

_{Representative Example: Based on an overdraft limit of £1200. Up to £50.00 charged at 0.00% EAR Variable. Over £50.00 charged at 39.90% EAR Variable. Representative 39.9% APR variable.}

Account: Everyday Current Account

Arranged Overdraft Rate (EAR): 39.94%

Interest Rate (AER): 0.00%

Account Fee: N/A

Switching Incentive: £180 cashback for accounts switched using the Current Account Switching Service provided at least £1.5K credited and 2 direct debits active within 60 days of request. T&Cs apply.

_{Representative Example: Based on an overdraft limit of £1200 charged at 39.94% EAR Variable. Representative 39.9% APR variable.}

Account: Private Current Account (v2)

Arranged Overdraft Rate (EAR): 39.94%

Interest Rate (AER): 2.50%

Account Fee: £5.00 pm

Switching Incentive: £180 cashback for accounts switched using the Current Account Switching Service provided at least £1.5K credited and 2 direct debits active within 60 days of request. T&Cs apply.

_{Representative Example: Based on an overdraft limit of £1200 charged at 39.94% EAR Variable. Representative 39.9% APR variable.}

Account: Santander Edge current account

Arranged Overdraft Rate (EAR): 39.94%

Interest Rate (AER): 0.00%

Account Fee: £3.00 pm

Switching Incentive: £180 cashback for accounts switched using the Current Account Switching Service provided at least £1.5K credited and 2 direct debits active within 60 days of request. T&Cs apply.

_{Representative Example: Based on an overdraft limit of £1200 charged at 39.94% EAR Variable. Representative 39.9% APR variable.}

Account: Santander Edge Up current account

Arranged Overdraft Rate (EAR): 39.94%

Interest Rate (AER): 2.50%

Account Fee: £5.00 pm

Switching Incentive: £180 cashback for accounts switched using the Current Account Switching Service provided at least £1.5K credited and 2 direct debits active within 60 days of request. T&Cs apply.

_{Representative Example: Based on an overdraft limit of £1200 charged at 39.94% EAR Variable. Representative 39.9% APR variable.}

Account: Spend & Save

Arranged Overdraft Rate (EAR): 39.90%

Interest Rate (AER): 0.00%

Account Fee: N/A

Switching Incentive: £100 cashback for accounts opened and switched using Current Account Switching Service, log into the mobile banking app and make five debit card payments by 19.7.25. Once the switch has been completed, make 20 or more debit card payments each month and earn up to £15 cashback each month for the first six months. Choose from two rewards if 20 debit card payments made in December 2025. T&Cs apply.

_{Representative Example: Based on an overdraft limit of £1200 charged at 39.90% EAR Variable. Representative 39.9% APR variable.}

Account: Spend & Save Plus

Arranged Overdraft Rate (EAR): 39.90%

Interest Rate (AER): 0.00%

Account Fee: £3.00 pm

Switching Incentive: £100 cashback for accounts opened and switched using Current Account Switching Service, log into the mobile banking app and make five debit card payments by 19 July 2025. Once the switch has been completed, make 20 or more debit card payments each month and earn up to £15 cashback each month for the first six months. Choose from two rewards if 20 debit card payments made in December 2025. T&Cs apply.

_{Representative Example: Based on an overdraft limit of £1200. Up to £100.00 charged at 0.00% EAR Variable. Over £100.00 charged at 39.90% EAR Variable. Representative 44.1% APR variable.}