...running my current account?

It doesn’t cost you anything to set up and they are quick and easy to use. In some cases you can use your first account to get access to free gifts/money saving offers.

You can use it to keep your money safe, pay for everyday items in shops or over the internet as well as receiving wages, student loans or benefits. In some cases you need to have a bank account as a form of identity. There are not many good reasons for not setting up a current account.

This account allows you to manage your day to day money. It will usually give you a lower rate of interest so you should not look to use it as a savings account.

Use it to:-

• Get your cash via cash machines & branches
• Give you a simple and easy way to pay bills
• Provide a history of your spending habits

You will get the following:

• Debit card
• Chequebook
• Regular statements
• Overdraft facilities
• Online banking
• Telephone banking
• A direct debit facility
• A standing order facility
• Free gifts