The most effective reward present accounts accessible proper now

Financial institution accounts don’t must be only a place to maintain your cash. Reward accounts allow you to get further perks for banking, with little or no effort. These can get you freebies, cashback, and higher financial savings charges or curiosity in your steadiness. Plus, you may generally pair them with switching bonuses to get much more.

However they aren’t with out some drawbacks. Plenty of them have charges or necessities, comparable to a specific amount paid in every month or numerous direct debits arrange, however typically talking, it may be very easy to get the perks. Listed below are a few of the finest ones accessible proper now.

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The most effective reward present accounts

We’ve chosen our high picks first, protecting each full present accounts and others which might be simply debit playing cards, adopted by the opposite key gamers.

You’ll be capable of discover further particulars, comparable to charges and necessities, within the extra data sections.

Our high picks – reward present accounts

Finest for freebies

Membership Lloyds Present Account

Freebie

Free Disney+ or 6 cinema tickets

Unique financial savings

6.25% Common Saver

Change incentive

£200 swap provide

Extra particulars ▼

Extra Information

Charge: £5 per thirty days however could be waived when you pay in £2,000 every month

Free annual reward: Select from Disney+ subscription, cinema tickets, journal subscription or Connoisseur Society membership

Common Saver: 6.25% common saver

Account curiosity: For the primary £3,999 you maintain in your precise present account you’ll get 1.5% curiosity. Then you definitely’ll get 3% on the subsequent £1,000.

Necessities

Have to be over 18 and a UK resident

Should have two direct debits

Should log into the cellular app each month

Exclusions

You may’t have two Membership Lloyds accounts

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Finest perks

Monzo Perks

Annual perks

Free Uber One and Railcard

Month-to-month perks

Free cinema ticket

Extra particulars ▼

Extra Information

Charge: £7 per thirty days

Free annual rewards: Annual Uber One membership (excluding the free Disney+), Free railcard

Different rewards : Free Greggs each week and a cinema ticket each month

Financial savings price: 3.5% easy accessibility financial savings

Necessities

Have to be over 18 and a UK resident

For those who cancel inside 12 months, you could have to pay to maintain your Railcard

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Finest for cashback on payments

Santander Edge

Cashback

1% cashback on payments

Unique financial savings

6% saver

Extra particulars ▼

Extra Information

Charge: £3 per thirty days

Cashback: Can earn 1% cashback on payments, as much as a most of £10 per thirty days

Financial savings account: 6% AER (variable) curiosity on as much as £4,000 — contains 2.00% AER (variable) bonus price for the primary 12 months from opening

Necessities

Have to be over 18 and a UK resident

Pay at the least £500 into the account every month

Should have two energetic direct debits

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Finest for financial savings

First Direct 1st Account

Unique financial savings

7% common saver

Change incentive

£175 swap provide

Extra particulars ▼

Extra Information

Charge: None

Unique financial savings: 7% AER fastened common saver

Overdraft: £250 interest-free overdraft

Necessities

Have to be over 18 and a UK resident

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Good all rounder

Zopa Biscuit

Unique financial savings

7.1% common saver

Cashback

2% (max £30 per yr)

Extra particulars ▼

Extra Information

Charge: None

Unique financial savings: 7.1% AER common saver

Cashback: 2% again on as much as £1,500 of direct debits per yr

Curiosity: 2%

Necessities

Have to be over 18 and a UK resident

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Our high picks – cashback accounts

Finest for cashback on spending

Extra particulars ▼

Extra Information

Charge: None

Cashback: You may earn 0.5% cashback as much as a most of £15 per thirty days, or 1.5% cashback as much as a most of £15 per thirty days till 30 November when you choose to auto-invest your cashback

Curiosity: Buying and selling 212 pays 3.8% curiosity on uninvested money

Welcome provide: As soon as the account is open, you then want so as to add at the least £1 to your account inside 10 calendar days. It can take about three days for the share to be added. This provide is just for Buying and selling 212 Make investments or the Buying and selling 212 Shares & Shares ISA.

Exclusions

Earn a most of £15 per thirty days in cashback

You may’t get the welcome provide when you’re already a buyer

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Different reward present accounts (A-Z)

Barclays Financial institution Blue Rewards

Freebie

Free Apple TV+ and MLS Season Cross

Cashback

Out there from chosen retailers

Extra particulars ▼

Extra Information

Freebies: You may get a free Apple TV+ subscription in addition to a Main League Soccor subscription

Free annual reward: Select from Disney+ subscription, cinema tickets, journal subscription or Connoisseur Society membership

Cashback: You get entry to Cashback Rewards, a scheme that will get you cashback at chosen retailers once you use your Barclays card.

Unique financial savings: 4.36% AER on financial savings as much as £5,000 and 1% over this

Necessities

Have to be over 18 and a UK resident

Should pay £800 per thirty days into the account

Should have entry to On-line Banking or the Barclays app

Exclusions

You may’t have each Barclays Blue Rewards and Barclays Avios Rewards.

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Nationwide Constructing Society FlexDirect present account

Curiosity

5% AER for 12 months

Cashback

1% cashback on spending (as much as £5 per thirty days)

Extra particulars ▼

Extra Information

Charge: Free

Cashback: Earn 1% in your debit card spending, as much as a most of £5 per thirty days in cashback.

Account curiosity: 5% paid in your account steadiness as much as £1,500 for 12 months. 1% after this.

Overdraft: £50 interest-free overdaft

Necessities

Have to be over 18 and a UK resident

Should register for on-line banking throughout your software.

You must pay in at the least £1,000 every month to get the rewards

Exclusions

Cannot maintain greater than 4 sole or joint Nationwide present accounts

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NatWest Reward Present Account

Month-to-month reward

£3 (after payment)

Cashback

Out there from chosen retailers

Extra particulars ▼

Extra Information

Charge: £2 per thirty days

Cashback: You may get cashback at some associate retailers, paid as rewards

Necessities

Have to be over 18 and a UK resident

Earn £4 a month for 2 or extra Direct Debits of at the least £2

Earn £1 a month for logging into the cellular app

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Royal Financial institution of Scotland Reward Present Account

Month-to-month reward

£3 (after payment)

Cashback

Out there from chosen retailers

Extra particulars ▼

Extra Information

Charge: £2 per thirty days

Cashback: You may get cashback at some associate retailers, paid as rewards

Necessities

Have to be over 18 and a UK resident

Earn £4 a month for 2 or extra Direct Debits of at the least £2

Earn £1 a month for logging into the cellular app

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Santander Edge Up

Cashback

1% cashback on payments

Extra particulars ▼

Extra Information

Charge: £5 per thirty days

Cashback: Can earn 1% cashback on payments, as much as a most of £15 per thirty days

Curiosity: 2.5% on balances as much as £25,000

Necessities

Have to be over 18 and a UK resident

Pay at the least £1,500 into the account every month

Should have two energetic direct debits

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TSB Spend & Save

Cashback

£5 per thirty days for six months

Unique financial savings

5% common saver

Extra particulars ▼

Extra Information

Charge: Free

Cashback: Get £5 cashback per thirty days for six months

Common saver: Earn 5% on common financial savings between £25 and £250 per thirty days for 12 months

Necessities

Have to be over 18 and a UK resident

Make 20 or extra debit card funds in a calendar month

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TSB Spend & Save Plus

Unique financial savings

5% common saver

Extra particulars ▼

Extra Information

Charge: £3 per thirty days

Cashback: Get £5 cashback per thirty days

Common saver: Earn 5% on common financial savings between £25 and £250 per thirty days for 12 months

Overdraft: £100 interest-free overdraft

Necessities

Have to be over 18 and a UK resident

Make 20 or extra debit card funds in a calendar month

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Different cashback accounts (A-Z)

Currensea Hilton Honours Debit Card

Cashback

As much as 3 factors per £1 spent

Welcome bonus

2,500 bonus factors

Extra particulars ▼

Extra Information

Charge: £60 per yr

Cashback: Earn as much as 3 Hilton Honors Factors for each £1 spent on eligible purchases. 1 level per £1 spend in GBP, 2 factors per £1 in a overseas forex and three factors per £1 spent in a overseas forex at Hilton properties.

Welcome bonus: Earn 2,500 Bonus Factors once you spend £1,000 in overseas forex inside 6 months of getting your card

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Currensea Hilton Honours Plus Debit Card

Cashback

As much as 4.5 factors per £1 spent

Welcome bonus

10,000 bonus factors

Extra particulars ▼

Extra Information

Charge: £150 per yr

Cashback: Earn as much as 4.5 Hilton Honors Factors for each £1 spent on eligible purchases. 1.5 factors per £1 spend in GBP, 3 factors per £1 in a overseas forex and 4.5 factors per £1 spent in a overseas forex at Hilton properties.

Welcome bonus: Earn 10,000 Bonus Factors once you spend £2,500 in overseas forex inside 6 months of getting your card

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Yonder Free debit card

Cashback

1 level per £1 spent

Welcome provide

£10 off your first buy

Welcome factors

1,000 factors

Extra particulars ▼

Extra Information

Charge: Free

Cashback: Earn 1 level per £1 spent as much as a most of £4,000 spending per thirty days. Factors could be spent on meals out and experiences.

Welcome provide: Get £10 off your first eligible buy with the cardboard, and 1,000 factors once you spend £1,000 in your first 30 days. Eligible transactions embody groceries, eating places, espresso outlets, pubs, leisure, flights or accommodations.

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Yonder Full debit card

Cashback

4 factors per £1 spent

Welcome provide

£10 off your first buy

Welcome factors

10,000 factors

Extra particulars ▼

Extra Information

Charge: £15 per thirty days (after free first month)

Cashback: Earn 4 factors per £1 spent as much as a most of £4,000 spending per thirty days. Factors could be spent on flights, meals out and experiences.

Welcome provide: Get £10 off your first eligible buy with the cardboard, and 10,000 factors once you spend £1,000 in your first 30 days. Eligible transactions embody groceries, eating places, espresso outlets, pubs, leisure, flights or accommodations.

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Kinds of Reward present and debit card accounts

Cashback accounts

There are a handful of accounts that can pay you cashback – successfully a reimbursement in your on a regular basis spending. Some will do that on direct debits (Santander Edge, Edge Up and Biscuit by Zopa), whereas others can pay this on debit card spending (Chase, Trading 212, Nationwide FlexDirect).

Some debit card solely accounts provide the prospect to earn factors in your spend (Hilton Honours, Yonder).

Freebie accounts

You may get free tickets, subscriptions and extra from some reward accounts. Membership Lloyds provides cinema tickets, Disney+, Connoisseur Society or {a magazine} subscription. Monzo Perks offers Uber One membership, a railcard, month-to-month cinema tickets and weekly Greggs, although you’ll pay £7 a month.

Money rewards

Others can pay you a month-to-month money bonus, although a payment will cut back the revenue. The NatWest Reward and RBS Reward accounts, and TSB’s Spend and Save and Spend and Save Plus accounts will every earn you £5 a month.

Excessive curiosity on financial savings

You may entry unique financial savings charges as a reward with numerous accounts. Most are by way of common savers (First Direct, Biscuit by Zopa, Membership Lloyds) however you too can get a linked saver (Santander Edge, Chase) or curiosity on the account steadiness (Nationwide FlexDirect, Buying and selling 212 and Biscuit by Zopa).

Financial institution swap provides

Most of the reward accounts can even provide financial institution swap provides. Although not at all times restricted to reward accounts, it’s usually price stacking your perks with each the swap provide and reward. We’ve listed all the latest bank switch deals in our separate information.

Newest financial institution swap provides (A-Z)

As of 16/09/25

Click on the hyperlinks for additional particulars and evaluation