Current Accounts which to choose?

In the UK today personal bank accounts can be split into 2 main types. The first is the traditional bank account and the second are the new premium bank accounts which come with a monthly charge. It is worth considering both types before deciding as the premium accounts come with a range of extras which depending on your circumstances might be worth more than the monthly fee. An example of a premium bank account is the HSBC Plus Bank Account. This is currently be offered at £6.47 for the first 3 months and then fee rises to £12.95. So what extras do you get with the HSBC plus current account? Annual Worldwide Travel Insurance for you and family RAC Roadside Breakdown Cover ID Theft Assistance Life Cover Preferential Offers HSBC values the range of benefits at £395 and for those who use breakdown cover and annual travel insurance this account might result in savings on the current outlay of these items. Another bank account worth considering is the Alliance and Leicester Premier Current Account. This account does not have a monthly fee but you need to be over 21 and pay in £500 per month. This current account gives you Free annual multi trip travel insurance for Europe (up to the age of 65) and currently they also give you £100 if you switch your existing bank account to them. .

Bank Account Name	Monthly Fee	Information	Website
Barclays Bank Account	None	If you like to keep things simple, this could be the current account for you — and there's no monthly fee. You can manage your money when you want, day or night, and even apply for an overdraft online.
Barclays Current Account Plus	£5	If the combination of flexibility and value sounds appealing, try our Current Account Plus. It offers an interest-free overdraft for those times when money's tight, plus a range of benefits to protect the things that matter.
Barclays Additions Active	£15	You get up to £800 of annual benefits with this bank account including Worldwide Family Travel Insurance, Legal and Tax helpline, RAC Comprehensive breakdown cover, Extended Warranty cover, Mobile phone insurance, Cardholder protection, Will-writing service incl Inheritance Tax Brochure, Identity theft support helpline
HSBC Bank Account	FREE	. Free everyday banking – your bank account is free of charges in the UK for cheques, cash withdrawals from the HSBC network, Direct Debits, standing orders, automated bill payments and monthly statements. 2. Free 24/7 Internet Banking – Bank how you want to when you want to. You can check your balance, look at statements and pay your bills any time you want (subject to planned maintenance).
HSBC Bank Account Plus	Apply today for only £6.47 for the first three months .After this, you will be charged the standard monthly fee, currently £12.95.	Get up to £395 of benefits -Worldwide travel insurance for you and your family -Roadside breakdown assistance 24 hours a day -ID theft assistance and Personal safety assistance with red24 -Life cover with £3000 benefit all come as standard.

Best Current Account Reviews

Alliance and Leicester Premier Current Account Barclays Bank Accounts     HSBC Bank Accounts