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List of Current accounts with freebies
List of Current accounts with freebies

List of Current accounts with freebies

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 www2.firstdirect.com/1/2…327

Halifax
Reward Current Account (£5 Every month)+£100 cashback when you swich
halifax.co.uk/ban…nt/

Nationwide
Flexaccount (Free european travel insurance)
nationwide.co.uk/cur…htm

Nationwide
FlexiDirect (5% interest & no overdraft fees for the first 12 months)
nationwide.co.uk/cur…htm

Yorkshire Bank
4% on balances upto £3000 (min credit each month - £1000)
ybonline.co.uk/per…ct/

Lloyds
Vantage. 3% on £3000-£5000. Just deposit £1000 each month.
lloydsbank.com/cur…asp

All this accounts are FREE

62 Comments

cold u have to pay for the halifax account

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

£15 a month to get £5 back. that's no deal

Original Poster

matthewbarfoot

cold u have to pay for the halifax account


matthewbarfoot

cold u have to pay for the halifax account



Pay what? You are looking at the wrong account, all this accounts are free

Original Poster

matthewbarfoot

£15 a month to get £5 back. that's no deal



you are talking about the ultimate reward acc... this treat has the reward that is free

Original Poster

jase.2

You missed the best value one out - Santander 123 , 3% interest up to 20k … 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



Thank you, I did not add this one because the £2 charge, so people here cannot complain.

Yorkshire Bank
Current Account Direct - Free
4% on balances upto £3000 (min credit each month - £1000)

Original Poster

beyreal

Yorkshire Bank Current Account Direct - Free4% on balances upto £3000 … Yorkshire Bank Current Account Direct - Free4% on balances upto £3000 (min credit each month - £1000)



Thank you Added

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
Edited by: "whw" 15th Dec 2013

Original Poster

whw

Don't forget Lloyds Vantage. 3% on £3000-£5000. Just deposit £1000 each mo … Don't forget Lloyds Vantage. 3% on £3000-£5000. Just deposit £1000 each month.



Thanks you. Added

jase.2

You missed the best value one out - Santander 123 , 3% interest up to 20k … 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.

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.

You can deposit less than 1000 and still avoid the fee with first direct if you open a savings account with them (or any of their other products)

carterthegreat

For both First Direct and Halifax Reward account, you have to deposit … 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.

Nice post OP

Thanks OP

This is a good post, but maybe post the details about how you get the deals, like the £5 a month has a number of requirements

Nice post. Thanks

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.

Have nationwide improved their online banking? It was absolutely woeful about 6 months ago, couldn't even pay your CC off online

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.

beyreal

Yorkshire Bank Current Account Direct - Free4% on balances upto £3000 … Yorkshire Bank Current Account Direct - Free4% 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" 15th Dec 2013

Kingsworth

If you don't pay £750 into the halifax account you don't get charged. You … 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" 15th Dec 2013

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

jase.2

You missed the best value one out - Santander 123 , 3% interest up to 20k … 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.

whw

Don't forget Lloyds Vantage. 3% on £3000-£5000. Just deposit £1000 each mo … 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

Ferrit

Have nationwide improved their online banking? It was absolutely woeful … 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!

Original Poster

maxp

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.

matthewbarfoot

cold u have to pay for the halifax account



you dont...there is 2 accounts...both get the fiver

gluke21

Yep, this is the best of the lot. Santander isa much improved bank and … Yep, this is the best of the lot. Santander isa 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.

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!

Cant stand halifax bank

Thanks OP for the effort

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!

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" 15th Dec 2013

siliconbits

Plus they do handle cheques as well and have a physical high street … 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" 15th Dec 2013

Banks are designed to steal your money. This is just bait.

monkeytennis136

I am not sure which Nationwide you're thinking of ferrit, but I've been … 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.

Flab09

Cold - First Direct, not free have to deposit £1,000 each month, … Cold - First Direct, not free have to deposit £1,000 each month, otherwise £10 per month chargeEligibilityBanking 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

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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