UK Bank Account

If you’re careful about your spending and never go overdrawn, have a look at the accounts that pay interest on your credit balance. However, if your earnings are on the low side and you do sometimes use your overdraft, don’t pay too much attention to the credit interest – focus more on the charges instead.
Many banks offer deals to attract new customers, but be sure to check if there are strings attached. Look beyond any short-term offer and make sure that, when it ends, the account will still be the best for you. Deals include:

• A cash incentive
• Higher interest for a period
• A monthly credit of usually around £5.

Do you like dealing with a person in a branch or would you prefer the convenience of telephone or Internet banking?

• Not all banks provide phone, Internet, mobile banking, postal and branch services so make sure you will be able to bank how you want to.