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Bank accounts with benefits

A list of the best banking accounts with rewards, benefits, cashback

Updated: 01.11.2025

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Chase

Chase

Current Account

1% cashback on the things you love

pay zero fees from us

get a numberless card

be 18+

be a resident of the UK only

have a smartphone and a UK mobile number

be a tax resident of the UK

First Direct

First Direct

First Direct 1st Account

£175 welcome bonus

Enjoy a £250 interest-free overdraft

Get access to our 7.00% AER/gross Regular Saver account

No first direct debit card fees when spending abroad

Halifax

Halifax

Reward Current Account

Choose one of the great monthly rewards:

£5 cash

One cinema ticket

Three digital magazines

Meet the following criteria every month to receive your chosen reward:

Spend £500 on your debit card each month or Keep £5,000 or above in your account each day of the month

Kroo Bank

Kroo Bank

Kroo current account

Zero fees spending abroad.

Overdrafts with Kroo

Lloyds Bank

Lloyds Bank

Club Lloyds Account

All of the benefits you get with the Classic Account plus:

12 months of Disney+

6 x cinema tickets at ODEON or Vue cinemas

An annual Coffee Club and Gourmet Society membership

An annual magazine subscription

Earn interest on your money - on balances up to £5,000, when you pay out two different Direct Debits each month

Preferential Travel money rates when purchased through Lloyds Bank

Nationwide Building Society

Nationwide

FlexPlus current account

Our packaged bank account.

Get worldwide family travel and mobile phone insurance, plus UK and European breakdown cover.

£13 monthly fee

National Westminster Bank (NatWest)

NatWest Bank

Reward bank account

Earn £4 a month in Rewards for 2 or more direct debits of at least £2.

Earn £1 a month in Rewards just by logging into our mobile app.

Earn from 1% back in Rewards when you spend at our partner retailers.

Earn Rewards as cash back into your account or e-gift codes with our retail partners.

Must be 18+, UK resident, and pay in £1,250 to an eligible NatWest account every month. T&Cs apply.

Revolut UK

Revolut UK

Revolut Standard Account

Get a free card with your Revolut Standard account

Withdraw up to £200 or 5 withdrawals per rolling month (whichever is reached first) with no withdrawal fees charged by us.

Send money in 29+ currencies.

Link up 1 account, for everyone aged 6-17.

Santander

Santander

Santander Edge current account

Earn cashback on selected household bills, at supermarkets and on travel costs

Access to an optional savings account with exclusive rates

Fund the account with £500 each month and set up 2 active Direct Debits

We won’t charge you for using your Santander Edge debit card outside the UK

£3 monthly fee to maintain the account

Starling Bank

Starling Bank

Current account

24/7 support, 365 days a year, from our UK-based teams.

Deposit cheques of up to £1,000 by simply taking a photo of it in the app.

Withdraw £300 a day from ATMs. Deposit £1,000 each year for free, with a 0.7% fee thereafter.

No fees from us overseas. We won’t charge for using your card abroad.

Mobile wallet. Add your debit card to spend with your phone.

Lock your card with a tap if you misplace it, so it can’t be used.

Online banking if you prefer to manage your money on a computer.

Contactless payments. Choose your own limit, up to £100.

Statements are downloadable in the app, with custom ranges.

The Co-op Credit Union

The Co-operative Bank plc

Current Account

A packaged account for people who want extra. Get all the features of our standard Current Account, plus worldwide travel insurance, UK & European breakdown cover, and mobile phone insurance. Exclusions and limitations apply.

TSB

TSB

Spend & Save Plus

Earn £5 cashback every month

Put money aside in a Savings Pot

Arranged overdraft

No TSB fee on debit card transactions worldwide

Discover great savings on treats like takeaways, holidays and cinema tickets plus essentials like MOTs

Author: Prostobank Consulting

More about bank accounts with benefits

What is the best cash-back bank account in the UK?

Choosing the best cashback bank account depends on many factors, but primarily on the customer's spending habits and financial needs. After all, one bank can offer a large percentage of cashback for payments in shopping centers, another - returns a large cashback for mobile services, Internet communication, television, etc. Therefore, the best bank accounts with benefits will be different for different customers.

However, we are ready to provide recommendations to consider when choosing the best rewards bank account:

  1. Monthly Fees vs Earnings with Cashback. It is worth analyzing these two parameters and comparing them. The monthly fee must be less than the return on cashback, then you will have a good net income.
  2. Compliance requirements. Usually, banks set certain requirements for customers who want to open such an account, it can be the presence of minimum monthly deposits, etc. Therefore, when choosing a program, check whether you meet its requirements.
  3. Spending habits. Analyze your recurring expenses to understand which bills you pay most often via direct debit. After that, look for the banking program that offers the maximum cashback for this category of expenses
  4. Additional benefits. In addition, it is worth paying attention to the presence of additional advantages, because banks often offer exclusive offers and exemption from commissions, etc. This is a good opportunity to get the maximum benefit from opening a current account.
  5. Ease of access. Online banking and mobile banking help you manage your account and track your cashback. Therefore, when choosing a bank, be sure to pay attention to these services - whether they are sufficiently functional:

We hope our tips help you compare and choose the best cashback accounts that will suit your financial needs and maximize your cashback earnings.

You can also place free funds on a savings account.

Calculate your future income on a savings account (example): 

Amount, $ Rate, % Accrued %, $
30,000 4.45% 1,335
30,000 4.50% 1,350
30,000 4.55% 1,365
80,000 4.95% 3,960
80,000 5.00% 4,000
80,000 5.05% 4,040
190,000 5.45% 10,355
190,000 5.50% 10,450
190,000 5.55% 10,545
340,000 5.95% 20,230
340,000 6.00% 20,400
340,000 6.05% 20,570

What are the best bank accounts with rewards in the UK?

Bank accounts with rewards in the UK often offer benefits such as cashback, interest on balances, or discounts on various products and services.

  1. Nationwide FlexPlus Account
  2. TSB Spend & Save Account
  3. Santander 123 Lite Account
  4. Lloyds Bank Club Lloyds Account
  5. Barclays Blue Rewards Account
  6. Halifax Reward Account
  7. HSBC Premier Account

See the similar FAQ about the UK banks: 

Details of companies offering the financial services:

Chase

Head office’s address: 4 Lombard St, London EC3V 9AA

Contact center: 0800 376 3333

Phone: +44 203 493 0829

Web-site: https://www.chase.co.uk/gb/en/

First Direct

Head office’s address: 40 Wakefield Road, Leeds LS98 1FD

Contact center: +44-345-610-0100

Web-site: https://www.firstdirect.com/

Halifax

Head office’s address: The Mound, Edinburgh EH1 1YZ

Contact center: 0345-720-3040

Phone: +44 (011) 3242 19 84

Web-site: http://www.halifax.co.uk/

Stock code: HALP

Kroo Bank

Head office’s address: Labs House, 15-19 Bloomsbury Way, London

Web-site: https://www.kroo.com/

Lloyds Bank

Head office’s address: 25 Gresham Street, London EC2V 7HN

Contact center: 0345-300-0000

Web-site: https://www.lloydsbank.com/

Swift code: LBGTGB22

Reference number: 119278

Stock code: LLOY

ABN: 00002065

BSB: LBGT

Nationwide

Head office’s address: Nationwide House Pipers Way

Contact center: 0800-30-20-15

Phone: +44 (034) 5730 20 15

Web-site: http://www.nationwide.co.uk

Swift code: NBSMGB22

Reference number: 106078

Stock code: NBS

ABN: 355B

BSB: NBSM

NatWest Bank

Head office’s address: 250 Bishopsgate, London, EC2M 4AA

Contact center: 0800-88-11-77

Phone: +44 345 788 8444

Web-site: https://www.natwest.com/

Swift code: NWBKGB2

Reference number: 121878

Stock code: GBP1

ABN: 00929027

BSB: NWBK

Revolut UK

Head office’s address: London

Web-site: https://www.revolut.com/

Santander

Head office’s address: 2 Triton Square, Regent's Place, London, NW1 3AN

Contact center: 0800-389-7000

Web-site: http://www.santander.co.uk/

Swift code: ABBYGB3E

Reference number: 106054

ABN: 02294747

BSB: ABBY

Starling Bank

Head office’s address: 5th Floor, London Fruit And Wool Exchange, 1 Duval Square, London, E1 6PW.

Phone: +44 20 7930 4450

Web-site: https://www.starlingbank.com/

Swift code: SRLGGB3L

Reference number: 730166

Stock code: STERLNB

ABN: 09092149

BSB: SRLG

The Co-operative Bank plc

Head office’s address: 1 Balloon Street, Manchester M60 4EP

Contact center: 159

Phone: +44 (034) 5721 22 12

Web-site: http://www.co-operativebank.co.uk/

Reference number: 121885

ABN: 00990937

TSB

Head office’s address: Henry Duncan House, 120 George Street, Edinburgh EH2 4LH

Phone: +44 (034) 5975 87 58

Web-site: http://www.tsb.co.uk

Swift code: TSBSGB2A

Reference number: 119278

Stock code: 94AQ

ABN: SC095237

BSB: TSBS