I use my current accounts for my day-to-day banking and to gain access to certain perks and bonuses.
1. Club Lloyds Current Account
My Club Lloyds Current Account is the account I use for my personal banking. I recently upgraded it from a Lloyds Classic Current Account due to the additional benefits, higher interest rate (1%) and eligibility to open a Club Lloyds Monthly Saver (2.5%).
2. Barclay’s Blue Rewards Current Account
My Barclay’s Blue Rewards Current Account is used for my business banking. Although it pays no interest and costs £4 per month to run, I earn £12 of rewards each month, which makes it profitable to the tune of £96 per year.
3. First Direct Current Account
I opened this account a while ago because First Direct were offering £125 cashback simply for opening an account with them. It pays no interest and I don’t really use it for anything but I keep it open so that I am eligible for the First Direct Regular Saver (2.75%).