Current Accounts are the most popular and commonly used form of account. A Current Account is also the most flexible type of account as they often have debit cards, cheque books, instant access to cash and overdrafts are usually negotiable. Savings accounts offer a higher interest rate but aren't very practical for paying bills and everyday use.

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What to look for in a current account

Below is a list of questions that could be worth considering when shopping for a current account.

• Where is the nearest branch? Can I get there easily?
• What interest will they pay on any money in the account?
• What cash points can I use without being charged?
• What telephone and internet access will you have to your account?
• Will you need any special services? such as sending money to foreign countries? If so then remember to ask each bank about your special circumstances.
• Is it likely you’ll need an overdraft facility? if so find out what charges there are for overdrafts and buffer zones.
• Check that the bank subscribes to the banking code.
• Remember that you can have a current account with one bank, a savings account with another and credit cards and loans with other lenders.