Best Bank Accounts

Compare the best bank accounts with overdrafts as chosen by our team of independent experts.

Overdrafts Accounts

1st Account - without First Directory
Overdraft Rate (EAR)

15.90% / Fee: £0.00

Account Fee

£10.00 pm

Additional information
  • No arranged overdraft fees
  • No interest paid on credit balances
  • Switch Service Guarantee member
Representative Example: Based on an overdraft limit of £500. Up to £250.00 charged at 0.00% EAR Variable. Over £250.00 charged at 15.90% EAR Variable. Overdraft fee of £0.00 Per Request.
M&S Current Account
Overdraft Rate (EAR)

15.90% / Fee: £0.00

Account Fee

None

Additional information
  • Low arranged overdraft interest rate
  • No interest paid on credit balances
  • Switch Service Guarantee member
Representative Example: Based on an overdraft limit of £500. Up to £100.00 charged at 0.00% EAR Variable. Over £100.00 charged at 15.90% EAR Variable. Overdraft fee of £0.00 Per Month.
Standard Account
Overdraft Rate (EAR)

14.60% / Fee: £0.00

Account Fee

None

Additional information
  • No funding requirement. No overdraft fees
  • No credit interest and no account benefits
  • Switch Service Guarantee member
Representative Example: Based on an overdraft limit of £500 charged at 14.60% EAR Variable. Overdraft fee of £0.00 Per Month.
Standard Current Account
Overdraft Rate (EAR)

15.94% / Fee: £0.00

Account Fee

None

Additional information
  • Switch for interest free overdrafts for first 3m
  • No interest paid on credit balances
  • Switch Service Guarantee member
Representative Example: Based on an overdraft limit of £500 charged at 15.94% EAR Variable. Overdraft fee of £0.00 Per Month.
Current Account - Age 18 and over Funded
Overdraft Rate (EAR)

18.90% / Fee: £0.00

Account Fee

None

Additional information
  • Cashback on operating account
  • No interest free overdraft buffer
  • Monthly funding of £800 required
Representative Example: Based on an overdraft limit of £500 charged at 18.90% EAR Variable. Overdraft fee of £0.00 Per Month.
Current Account - Current Account - Funded
Overdraft Rate (EAR)

18.90% / Fee: £0.00

Account Fee

None

Additional information
  • Credit interest paid and Clubcard points awarded on card purchases
  • Internet applications only
  • Switch Service Guarantee member
Representative Example: Based on an overdraft limit of £500 charged at 18.90% EAR Variable. Overdraft fee of £0.00 Per Month.
FlexAccount - Funded
Overdraft Rate (EAR)

18.90% / Fee: £0.00

Account Fee

None

Additional information
  • Existing customers who refer a friend both receive £100 when switching completed
  • Must fund account at least £750 each month
  • Switch Service Guarantee member
Representative Example: Based on an overdraft limit of £500 charged at 18.90% EAR Variable. Overdraft fee of £0.00 Per Month.
Bank Account
Overdraft Rate (EAR)

19.90% / Fee: £0.00

Account Fee

None

Additional information
  • No arranged overdraft fees
  • £500 per month funding requirement
  • Switch Service Guarantee member
Representative Example: Based on an overdraft limit of £500 charged at 19.90% EAR Variable. Overdraft fee of £0.00 Per Request.
B Current Account - Age 18 and over
Overdraft Rate (EAR)

12.50% / Fee: £6.00 Per Month

Account Fee

None

Additional information
  • Credit interest payable up to £2,000
  • Fees charged for arranged overdraft usage.
  • Switch Service Guarantee member
Representative Example: Based on an overdraft limit of £500 charged at 12.50% EAR Variable. Overdraft fee of £6.00 Per Month.
Signature Current Account
Overdraft Rate (EAR)

12.50% / Fee: £6.00 Per Month

Account Fee

£13.50 pm

Additional information
  • Free worldwide insurance for phones and gadgets
  • No interest on credit balances
  • Switch Service Guarantee member
Representative Example: Based on an overdraft limit of £500 charged at 12.50% EAR Variable. Overdraft fee of £6.00 Per Month.

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Disclaimer:
All overdrafts are subject to the applicant’s status. You may not be offered credit. All rates and fees are subject to change without notice. Please check all rates and terms before borrowing.

Moneyfacts.co.uk Limited is an independent credit broker not a lender. We will receive a payment from credit providers where customers link to them from Moneyfacts.co.uk. None of these arrangements affects our independence