Five best bank accounts for 利益／興味, perks and cashback in 2024

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Our bank account is the 財政上の 製品 that we use more frequently than any other, but many people rarely make sure theirs 作品 for them.

Yet, different 経常収支s 控訴 different people, with 選択s 範囲ing from those that 支払う／賃金 利益／興味, to ones that 申し込む／申し出 cheaper spending abroad, have good apps and 予算ing 道具s, a better overdraft 率 or 一括 in extras, such as 保険.

Two banks are 申し込む／申し出ing cash 簡単に for switching. First Direct is 支払う／賃金ing £175 and TSB is 申し込む／申し出ing 顧客s £125 for switching.?

Some banks are now 申し込む／申し出ing very 競争の激しい linked 貯金 率s. 数字表示式の banks, Monzo and Chase both 支払う／賃金 4.1 per cent for linked instant 接近 貯金, for example.

Banks such as Barclays, HSBC and Santander also 認める 接近 to 排除的 平易な-接近 貯金 率s which 支払う／賃金 even higher.?

If you're unhappy with your 現在の bank or 位置／汚点／見つけ出す a better 取引，協定 どこかよそで, it may 井戸／弁護士席 be 価値（がある） considering a switch. You can find our 選ぶs of the best accounts below.???

1. Best account for in-credit 利益／興味: 全国的な

経常収支 in-credit 利益／興味 has dwindled in 最近の years, with many banking providers 申し込む／申し出ing little to no 利益／興味 to 顧客s.

However, 全国的な has an introductory credit 利益／興味 率 on its FlexDirect 経常収支?支払う／賃金ing 5 per cent.

The special 率 will be 利用できる for new 使用／適用s on balances up to £1,500 for the first 12 months.

It means someone keeping at least £1,500 in the account could earn £75 in 利益／興味 over the course of one year.

Watch out

Unfortunately, anyone who has 以前 held a FlexDirect account will not be 適格の for the new 率.

However, if applicants have 以前 held a 単独の account only, they would be 適格の for the introductory 率 on a 共同の account and 副／悪徳行為 versa.

To qualify, switches must be made from another provider using the 現在の Account Switching Service?(CASS) and a 最小限 of two active Direct Debits must be transferred as part of the switch and 始める，決める up on the new account. CASS will do this automatically for you.

To 利益 from the in-credit 利益／興味, 支えるもの／所有者s must 支払う／賃金 in a 最小限 of £1,000 each month.

On the last day of every month 全国的な will calculate the 利益／興味 earned each day and then 支払う／賃金 this 利益／興味 on the first day of the next month.

全国的な is the most generous when it comes to in-credit 利益／興味 - albeit only on balances up to £1,500 and for one year only.

However, if the 月毎の income 存在 deposited into the account 減少（する）s below £1,000, you won't receive any 利益／興味 that month.

The 5 per cent 率 ends after one year. Thereafter it 減少（する）s to just 1 per cent. So it may be 価値（がある） looking どこかよそで after the 12 months for a better return on your money.

判決

For those who have bigger 量s of cash in their bank account, it could be 価値（がある） considering new 数字表示式の bank, Kroo which is 現在／一般に 支払う／賃金ing 4.1 per cent on balances up to £85k. Kroo is also 増加するing the 率 to 4.35 per cent from 1 August.

However, the 利益／興味 率 is not the only 推論する／理由 for switching a 経常収支.

Online and 動きやすい banking offerings and better 顧客 service are often 特記する／引用するd as the main 推論する／理由s behind people switching 経常収支s.

Overdraft 限界s, cashback and other niche lifestyle 利益s are all factors that count for something 同様に.?

最終的に, however, if 冷淡な hard cash is all you’re after, the £200 switching perks 現在／一般に 存在 申し込む／申し出d by NatWest, RBS and TSB may be more 控訴，上告ing.

その上に, for those that choose 全国的な, you may find yourself needing to switch again in a year when that in-credit 利益／興味 急落するs to a measily 1 per cent.

2. Best account for 利益／興味 on a larger balance: Barclays Blue Rewards

Barclays banking 顧客s who 調印する up to its Blue Rewards 計画／陰謀 will be able to 利益 from an 排除的 平易な-接近 貯金 取引，協定.?

The?Barclays 雨の Day Saver account 支払う／賃金s 5.12 per cent 利益／興味 on balances up to £5,000.

The account can be opened with as little as £1.?

Anything over £5,000 will only earn 1 per cent, so it won't be 価値（がある） having anything above that in this account.

Someone stashing away £5,000 in the 雨の Day Saver will earn more than £250 in 利益／興味 after one year.

Watch out

To 利益, savers will need to be a Barclays Blue Rewards members, which means 開始 a Barclays bank account ーするために 適用する online.

Barclays Blue Rewards is a way to collect rewards, 含むing up to £5 a month for having two direct debits paid out of a Barclays 経常収支.

However, there are a few catches, 含むing a £5 月毎の 会員の地位 料金 and a かかわり合い to 支払う／賃金 at least £800 into the account each month.

Our 判決

Even with the £5 月毎の 告発（する），告訴（する）／料金 nobody will argue that 5.12 per cent for wh at is essentially an 平易な-接近 取引，協定 is very good.

The best 平易な-接近 取引，協定 on our 独立した・無所属 best buy （米）棚上げする／（英）提議するs?支払う／賃金s just over 5.2 per cent.?

The £5 月毎の 料金 for Blue Rewards can be 無効にするd by the £5 rewards you'll recieve by setting up two direct debits going out of your account and 支払う／賃金ing in at least £800 each month.?

Of course the balance cap of £5k will mean this may not be for everyone, but for anyone with a spare £5k that they want to keep の近くに, switching to Barclays to take advantage could 井戸／弁護士席 be worthwhile.

3. Best account for cash 調印 up 賄賂: NatWest

全国的な is 申し込む／申し出ing new 顧客s a whopping £200 in cash just to switch.

Anyone switching their main account to a NatWest 経常収支 will be 適格の.

They need to?支払う／賃金 in at least £1,250 to the account and?スピードを出す／記録につける in to NatWest's 動きやすい app within 60 days.

The deposit of £1,250 does not have to be in one lump sum and can be made up of 多重の 支払い（額）s. It must remain in the account for 24 hours.

When they 会合，会う these 条件s NatWest will 支払う／賃金 £200 into the new account within seven days.?

Money spinner: NatWest is 申し込む／申し出ing £200 to new joiners - the 共同の biggest of all cash incentives.

Watch out:

It's 価値（がある） 公式文書，認めるing that anyone who has 以前?received a switcher incentive from NatWest Group since 1 January 2020 will not be eleibible for the 申し込む／申し出.???

That 含むs people who have opened a NatWest or RBS 経常収支 on or after 1 January 2020.

判決:?

ーに関して／ーの点でs of 冷淡な hard cash, NatWest's 申し込む／申し出 looks 広大な／多数の／重要な ーに関して／ーの点でs of the 量 on 申し込む／申し出. Santander and Club Lloyds are the only other banks 支払う／賃金ing a switching 特別手当 and these are a lesser £185 and £175 それぞれ.

There are いっそう少なく hoops for 顧客s to jump through to get NatWest's switching 特別手当 and the cash will arrive within a 迅速な 7 days of the 経常収支 switch 存在 完全にするd.??

4. Best account for cashback: Santander?

For those looking for a bank with a decent cashback 申し込む／申し出ing Santander may be your best bet.

Its new Santander 辛勝する／優位 Up account is also 申し込む／申し出ing cashback on both debit card spending and direct debits, with up to £30 per month 利用できる, although there is a £5 月毎の account 告発（する），告訴（する）／料金.?

The new bank account has 効果的に 取って代わるd Santander's 123 経常収支, which has now been 除去するd from sale.?

However, 存在するing 123 顧客s can continue to use their account as usual.?

It's also 価値（がある） pointing out that Santander's new account 支払う／賃金s 3.5 per cent 利益／興味 on balances up to £25,000.

This means someone 持続するing the 最大限 balance will earn?£875 in 利益／興味 over the course of one year - before factoring in its £5 a month 料金 (see below).

Santander has 明かすd its 辛勝する／優位 Up account, which it （人命などを）奪う，主張するs?申し込む／申し出s 顧客s the ability to earn over £100 a month in total with up to £30 in cashback and up to £71.72 in 利益／興味.

How it 作品?

There is 1 per cent cashback on 必須の grocery shopping and 輸送（する）-based debit card spending. This is capped at £15 a month.

There is a その上の 1 per cent cashback on 世帯 法案s paid 経由で direct debit covering 会議 税金, gas and electricity, 動きやすい, landline, broadband and paid-for TV 一括s. Once again, this is capped at £15 a month.

While the cashback sounds generous, in reality the 大多数 of 顧客s won't get anywhere 近づく the 可能性のある £30 a month.

To receive £30 月毎の cashback they would need to spend at least £1,500 a month on 適格の 必須の debit card spend and at least £1,500 a month on 適格の 月毎の 法案s paid by direct debit.

Watch out

For all its 利益s, there are some hoops and 告発（する），告訴（する）／料金s for any would-be 顧客s to be aware of.

First and 真っ先の, it comes with a £5 月毎の 告発（する），告訴（する）／料金, which will 追加する up to £60 each year.

顧客s must also 支払う／賃金 in a 最小限 of £1,500 a month and 始める，決める up two direct debits from the account.

判決

にもかかわらず the £5 月毎の 料金, we really like this card. The cashback and the 3.5 per cent 利益／興味 率 makes it hard to （警官の）巡回区域，受持ち区域 in both those catergories.

加える unlike a number of the big high street banks, its debit card is 料金 解放する／自由な when 存在 used 船内に 含むing no Santander 告発（する），告訴（する）／料金s when using ATM's overseas.

However, 顧客s would be wise to check their 月毎の 去っていく／社交的なs to check what cashback they will likely be on 跡をつける to receive.?

5. Best 数字表示式の bank: Chase

Chase is part of US 財政上の 巨大（な） JP Morgan, and 開始する，打ち上げるd in Britain in September 2021.

Since 開始する，打ち上げるing, Chase has already hoovered up more than 1.6 million 顧客s, and 持つ／拘留するs £15 billion in UK 貯金.

Ealier this year it 発表するd it had also joined the 現在の Account Switch Service (CASS).

ーに関して／ーの点でs of standout perks and features it's hard to find another bank that comes の近くに to matching it.?

It 申し込む／申し出s 1 cent cashback on card spending for 12 months (capped at £15 a month), which can be?延長するd for a その上の year if you deposit £500 a month into the account.

It has also introduced 1 per cent in-credit 利益／興味 for money held on account.

It 申し込む／申し出s a linked instant-接近 貯金 account 支払う／賃金ing 3.8 per cent and 正規の／正選手 saver 一連の会議、交渉／完成する up 機能（する）／行事 that automatically saves spare change and 支払う／賃金s 5 per cent 利益／興味.

There are also no 告発（する），告訴（する）／料金s for using the Chase debit card abroad.

Chasing 顧客s: Chase has attracted more than 1.6 million UK 顧客s since it 開始する，打ち上げるd in September 2021.

Watch out:?

Chase doesn't have any 支店s, which might 原因（となる） an 問題／発行する for some 顧客s who want 直面する-to-直面する banking, or at the very least want to speak to someone on the phone.

It is also 価値（がある） 公式文書，認めるing you will need a 比較して new smartphone to run the account.

Your smartphone will need to run iOS 14 and above, or have 接近 to Google Play on Android 8.1 and above, which means some 装置s are not supported 予定 to 金物類／武器類 制限s.

The bank also does not 現在／一般に 申し込む／申し出 共同の accounts, so it will not やむを得ず work for everyone.

Chase does not 許す overdrafts, so the 限界 on the 支払い（額）s you can make is the 量 you 持つ／拘留する in your account.?

Our 判決:

Chase has 明確に got off to a good start in the UK, attracting a continual flow of new 顧客s within a very short space of time.

The 顧客s themselves seem happy enough. The Chase banking app is 率d 4.9 out of 5 on the Apple apps 蓄える／店 and 4.2 out of 5 on the Google Play 蓄える／店.

Some Britons may not be ready to fully embrace 数字表示式の banking, but with 料金-解放する／自由な overseas spending and ATM 撤退s, perhaps they should consider trying it for their holiday spending.

平等に with a 3.8 per cent linked instant-接近 account, it could be a 広大な／多数の／重要な 第２位 bank account to 蓄える／店 貯金 - 特に when many of the big banks are 支払う／賃金ing low 率s.?

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Best buy 貯金

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Cash Isa

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競争の激しい 5.17% 利益／興味*

含むs 0.88% 特別手当 for first year

解放する／自由な 株

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When you 調印する up to Freetrade*

株 価値（がある） £10 - £100, min deposit £50

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4.91% 利益／興味 on 貯金

Fibre broadband

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£32.99 per month for 24 months

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