Bank accounts Best bank accounts if you always stay in credit
Not sure which current account would suit you best? We've made it easier for you by analysing all nationally-available current accounts and selecting the best if you stay in credit.
We show the best accounts for credit balances of £1,000.
| Provider | Credit interest rate £1000 balance | Credit interest rate £3000 balance | Min monthly funding | Access Access help | Customer score Customer score help | Find out more |
|---|---|---|---|---|---|---|
| Lloyds TSB Classic Vantage  | 2.00% | 3.00% | £1,000 |
| 56% |  |
| Santandera 123 Account   | 1.00% | 3.00% | £500 |
| 42% |  |
| Coventry BS First  | 1.10% | 1.10% | £1,000 |
| n/a | |
Table notes
- a) Interest paid at 1% on balances from £1,000, £2% from £2,000 and 3% from £3,000. 0% paid on balances above £20,000. No interest paid on balances of less than £1,000. Up to 3% Cashback available when paying for household bills by direct debit. A £2 monthly account fee applies.
Help
Access
Key:
- Branch
- Internet
- Postal
- Telephone
Customer score
Which? member score based on customer satisfaction and likelihood of recommending company to friend/family member.
Wherever we display an “APPLY NOW” button in the above table, that company pays us a small fee each time someone clicks on the button. These payments do not influence whether a product is in the table, where it appears, or whether it continues to do so. Our Best Rates tables are compiled by our independent researchers. All revenue raised from these tables is reinvested in our research and campaigning work on behalf of all UK consumers.
How we choose our Best Rate bank accounts
Which? Best Rate current accounts offer the best rates on the market for the scenarios we've used. They also have to meet the following conditions:
- The accounts must be available nationally
- The account provider must be fully covered by the Financial Services Compensation Scheme
We analyse the whole market and calculate the cost of the account so you can see how much you're likely to pay or how much interest you'll earn if you choose that account.
Which? Recommended Providers and Which? Warning
Which? Recommended Providers are companies that are both rated highly by our members and have products that meet the high standards of our researchers. Which? closely monitors the products and practices of all Recommended Providers and reserves the right to exclude any company that does not treat its customers fairly. Follow the link for a full list of WRPs.
We also understand that for many people, finding people with the best rate is a priority. But where a provider with a poor service score appears in our Best Rate tables, we highlight this with a warning logo. By naming and shaming which banks customers judge to offer poor satisfaction in these tables, we hope that companies improve their standards.
- Call the Which? Money Helpline for further guidance on the banking best options for you
- Take a look at our bank accounts customer satisfaction
- Thinking about switching you bank account? Read our helpful guide
