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Those who are regularly overdrawn should consider the A&L Premier Direct with an interest free overdraft for 12 months after which you pay 50p a day for every day you are overdrawn up to a maximum of £5 a month. The Abbey (Preferred Overdraft Rate) Account also offers an interest-free deal for 12 months providing at least £1,000 is credited into the account each time.
Those in the black meanwhile, should base their account choice on how high their balance is. The Halifax Reward Account pays a flat £5 for each month you put £1,000 into the account, while A&L's Premier Direct has a rate of 6.0% up to £2,500. For more tips read our article 'Earn up to 6% on your current account' and to compare products use our current account comparison tool.
Disclaimer: Please note that any rates or deals mentioned in this article were available at the time of writing. Products underlined can be applied for directly.
