The best High Interest Current Accounts from the whole UK Savings Market!
theprivateoffice.co.uk monitors the whole UK savings market (that's over 4,000 accounts) to bring together the best buys available.
The following savings best buy tables are also available:
- Best Easy Access Savings Accounts
- Best Fixed Rate Bonds
- Best Variable Rate ISAs
- Best Fixed Rate ISAs
- Best Notice Savings Accounts
- Best Regular Savings Accounts
- Best Children’s Savings Accounts
- Best Cash Lifetime ISAs
- Best Cash Junior ISAs
- Best Easy Access Cash ISAs
- Best Notice Cash ISAs
Ways to always ensure you get the best savings rate
- Bookmark this page and regularly check our best buy tables, such as the one below.
- Work out your priorities - do you need access to your money or can you lock it away for potentially greater returns?
Best High Interest Current Accounts
Below we list the top 5 high-interest current accounts. It is worth checking the account summary for each account accounts (listed below the main table) as it explains the qualifying criteria and when the interest is paid.
| Providers | Nationwide | LHV | Lloyds Bank | Halifax | Kroo |
| Account name | FlexDirect Account | LHV Current Account | Club Lloyds Current Account | Reward Current Account | Kroo Current Account |
| AER | 5.00% | 3.75% | 3.00% | 3.00% | 2.65% |
| Minimum opening balance | £0 | £1 | £1 | £1 | £1 |
| How to manage the account | Branch, Cash Card, Mobile Banking, Online, Telephone | Mobile Banking | Branch, Mobile Banking, Online, Telephone | Branch, Post, Telephone, Online, Mobile Banking | Mobile Banking |
| How to apply | Branch, Online | Mobile |
Branch, Online, Telephone |
Branch, Online | Mobile |
| Financial Services Compensation Scheme | Own Licence | Own Licence | Shared Licence | Own Licence | Own Licence |
Updated 17/05/2026
Below we list the account summary for each of the bank accounts.
Nationwide
Interest rate reverts to 1.00% AER after the first 12 months. Rate also falls to 1.00% AER if a minimum of £1,000 is not deposited each month during the first year. Interest is only paid on balances up to £1,500. Interest is paid on the first day of each month. New customers can apply online but will be required to bring ID into a Nationwide branch to complete their application process. Existing customers may also be required to do this. Existing customers can apply in a branch, online or via a mobile banking app.
LHV
This account tracks the Bank of England base and is variable. The rate applies to current account balances up to £1,000,000. Above £1,000,000, the interest rate is 1% AER. You can open an account quickly via the LHV app.
Club Lloyds
This account has a monthly fee of £3 which is waived if you pay in at least £2,000 every month. The 3% interest applies to balances above £4,000 and below £5,000. Otherwise, 1.50% is paid on balances up to £4,000.
Halifax
The account has a monthly account fee of £3. The monthly fee is waived if you pay a minimum of £1,500 into the account each month and pay at least two direct debits from the account. Interest rate is only paid on balances up to £5,000.
Kroo
A digital current account that does not charge a fee. Interest rate is paid on balances up to £500,000 and tracks the Bank of England base rate. Interest is paid monthly. No charges for spending in the UK or abroad wherever Visa is accepted.
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