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List of Current accounts with freebies

rodrigobrrodrigobr

The banks play with us, lets play their game...make some extra money :)

First Direct
1st Account (£100 to open the account) + 6% linked savings http://www2.firstdirect.com/1/2/banking/current-account?WT.ac=FSDT_CTA_BA_BA1327

Halifax
Reward Current Account (£5 Every month)+£100 cashback when you swich
http://www.halifax.co.uk/bankaccounts/current-accounts/reward-current-account/

Nationwide
Flexaccount (Free european travel insurance)
http://www.nationwide.co.uk/current_account/flexaccount/default.htm

Nationwide
FlexiDirect (5% interest & no overdraft fees for the first 12 months)
http://www.nationwide.co.uk/current_account/flexdirect/default.htm

Yorkshire Bank
4% on balances upto £3000 (min credit each month - £1000)
http://www.ybonline.co.uk/personal/current-accounts/direct/

Lloyds
Vantage. 3% on £3000-£5000. Just deposit £1000 each month.
http://www.lloydsbank.com/current-accounts/vantage.asp

All this accounts are FREE

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All Comments (61)

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    BENDERHOVER
    I,m with the halifax. Ultimate reward you pay £15 a month if you deposit over £750, you get £5 reduction if you stay in credit.
    For the fee, you have a £500 free OD, worldwide family holiday insurance, breakdown cover whatever vehicle you travel in,mobile phone insurance, emergency home cover, card protection, and more recently shopping rewards with your debit card.
    Definitely worth looking at.
    crazyblondechick
    beyreal
    Yorkshire Bank
    Current Account Direct - Free
    4% on balances upto £3000 (min credit each month - £1000)


    And Clydesdale Bank (owned by same company) also one of the criteria is you cannot use the tellers unless it's for cash out above the ATM limit. Everything else you have to use telephone and internet banking and self service in branch. This should be explained as time of opening unless you open/upgrade online then you have to make sure and read small print.

    Edited By: crazyblondechick on Dec 15, 2013 21:06
    maxp
    Kingsworth
    carterthegreat
    For both First Direct and Halifax Reward account, you have to deposit monthly of £1000 for the former and £750 for the latter to avoid charges.


    If you don't pay £750 into the halifax account you don't get charged. You just don't get the £5 reward.


    And have two active direct debit transactions per month.

    Edited By: maxp on Dec 15, 2013 21:07
    CpnToodles
    TSB offer the same current account as Lloyds but it's called Classic Enhance (Not vantage). They tend to not be as busy too so I got seen straight away
    siliconbits
    jase.2
    You missed the best value one out - Santander 123 , 3% interest up to 20k not the 2.5k of most others, cashback on mortage, communication, council tax etc and usually around £50 quidco TCB , easily pays the £2 a month fee back for majority


    Plus they do handle cheques as well and have a physical high street presence unlike say FD.
    Tastyparsnip
    whw
    Don't forget Lloyds Vantage. 3% on £3000-£5000. Just deposit £1000 each month.

    All this info is readily available on MSE and various money-centric websites, so while these are money earners I wouldn't class them as deals. Now the Sim Only list on the Mobiles section is valid as it brings together a comprehensive list of real moey savers without jumping through hoops. This one, not so much.

    Be interesting to see how long you can keep this thread updated :)


    ^this

    If one person benefits from this then it's good thing, but the MSE page is always my first port of call. No vote either way from me, not a deal imho
    AmyMc
    Ferrit
    Have nationwide improved their online banking? It was absolutely woeful about 6 months ago, couldn't even pay your CC off online :/


    I got a credit card with them a couple of months ago and can pay it off fine online!
    rodrigobr
    maxp
    Kingsworth
    carterthegreat
    For both First Direct and Halifax Reward account, you have to deposit monthly of £1000 for the former and £750 for the latter to avoid charges.


    If you don't pay £750 into the halifax account you don't get charged. You just don't get the £5 reward.


    And have two active direct debit transactions per month.



    Or just open a saving account and deposit £1 and nothing else, come on guys, its free money.
    db99
    matthewbarfoot
    cold u have to pay for the halifax account


    you dont...there is 2 accounts...both get the fiver
    Hodgey
    gluke21
    jase.2
    You missed the best value one out - Santander 123 , 3% interest up to 20k not the 2.5k of most others, cashback on mortage, communication, council tax etc and usually around £50 quidco TCB , easily pays the £2 a month fee back for majority


    Yep, this is the best of the lot. Santander is
    a much improved bank and the ease of using
    these accounts is great.


    I must agree about the 1-2-3 account. I wondered what the catch was but there doesn't appear to be one. After I opened one a month ago I've just opened a second in my good lady's name.

    I don't know where else you can get 3% with instant access.
    subashour
    matthewbarfoot
    cold u have to pay for the halifax account
    No, you don't have to pay for the reward account and you get the monthly £5 if you pay in a min of £750. I've been with Halifax for 10 months and I'm really happy with their services!
    Pixam
    Cant stand halifax bank
    subashour
    Thanks OP for the effort :)
    monkeytennis136
    I am not sure which Nationwide you're thinking of ferrit, but I've been paying off my cc online with them for over 5 years!
    amethystl
    Just a query, for those who may know...I have a HSBC account, with an overdraft that I do use. If I were to open a Halifax account, is there anything to stop me having my wages paid into the Halifax account each month, then most of it standing order into the HSBC account a few days later?? That way the Halifax would stay in credit & receive the £5 per month, while I could still use the HSBC overdraft as necessary.

    Sorry if this is a stupid question, just wondered if anyone could tell me definitely whether or not it is possible, rather than trying it and ending up messing up both accounts!!

    Would obviously need to change a couple of direct debits over to Halifax to meet the criteria...that wouldn't be a problem...

    Edited By: amethystl on Dec 15, 2013 21:40
    PeterProxy
    siliconbits
    jase.2
    You missed the best value one out - Santander 123 , 3% interest up to 20k not the 2.5k of most others, cashback on mortage, communication, council tax etc and usually around £50 quidco TCB , easily pays the £2 a month fee back for majority


    Plus they do handle cheques as well and have a physical high street presence unlike say FD.


    Can pay cheques/cash into a First direct account at any HSBC branch..

    Edited By: PeterProxy on Dec 15, 2013 21:39
    effingandjeffing
    Banks are designed to steal your money. This is just bait.
    Ferrit
    monkeytennis136
    I am not sure which Nationwide you're thinking of ferrit, but I've been paying off my cc online with them for over 5 years!


    I binned them off for this exact reason, so no idea why i couldn't pay mine off online.
    Enochoo
    Flab09
    Cold - First Direct, not free have to deposit £1,000 each month, otherwise £10 per month charge

    Eligibility
    Banking with first direct usually costs £10 a month, but we'll waive the fee if you pay in at least £1,000 to your 1st Account each month or maintain an average monthly 1st Account balance of £1,000 or hold a selected first direct additional product. For new customers we waive the fee for your first six months. Take a look at our interest rates and charges section for details of the additional products.


    open an e-saving account put £1 in it, and then it will be free
    crazyblondechick
    effingandjeffing
    Banks are designed to steal your money. This is just bait.


    Not really they are a business like any other. If you don't keep your account in order and misuse it then don't moan about charges. Most of the banks don't "steal" your money, as you sign for the account and terms and conditions are given and explained to you.

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