The best bank accounts in the UK for 2025

[@davestockwell9645]

Watching I have opened trading 212 raisin and and chase and so pleased with the interest earned , great 2024 and hope 2025 is just as good , thanks Andy

[@sametribeeverytime2]

Recently opened a chase account mainly for the 1% cashback and also the 5% saver. I use it like a pre paid card, Im liking the app and features compared to my main bank Halifax, I think these online banks are leaps ahead of the high street banks with there features but im reluctant to make it my main bank account.

[@ag4871]

The app has a major downside. You can only use it on one device, so if you run out of battery or it gets mislaid, nicked or lost you can't access your accounts until jump through major hoops to set up up the app on another device (or charge your battery) at which point it stops working on your previous device. Also note your 5% will drop to 3.5% when your bonus runs out, assuming the BoE interest rate doesn't drop. So make sure and switch your savings out short of a small float to feed your current account as soon as the bonus ends. The savings interest with Chase tracks BoE and they keep upping the differential which is soon to go from 1.25 to 1.5.

[@sametribeeverytime2]

@@ag4871 Thanks for noting this with the app, thats a right bugger and highlights the problem with app based services and hence why they can offer a lot higher interest and perks. I personally will be swapping once rates lower, loyalty gets you no where these days does it?.

[@AdamLarner-eh3qw]

Chase really is a great spending account.. But I'd be reluctant to make it my only account.. Due to the fact that you can't deposit cash or cheques into it.. I know the latter is not common these days but still possible to receive them. They also don't provide overdrafts or joint accounts. That won't bother everyone, but it's just my opinion.

[@sidkings]

Co-operative bank has been bought by Coventry Building Society.

[@DarthConflictus]

Chase the best bank imo, quick customer service, nice people, 1% cashback and fee free spending and easy options

[@SamOmar-u9g]

Do you advise me to open an account with them?

[@Yasharahla7]

what is 1% cash back on chase?

[@charliemiskelly7053]

@@Yasharahla7you get 1% Cashback on everyday spending

[@TA7928]

But one of the worst accounts for ethics, if that matters to you (it doesn't have to!).

[@tradingrules2228]

1% cashback is capped until £180 for whole year and then ni Cashback. Some exceptions apply for this cashback, you will not earn on - Car and van dealers, Hospital Fees etc. Max interest in any acount with Chase will be 3.5%. I personally use other 3 banks that gives me 4.9%, 4.8% and 4.85%. Look up Marcus (backed by Goldman Sachs), I been using them for over 5 years.

[@borderlord]

What about a bank that is not shutting all its branches...Nationwide!

[@WOOOPdoctorFROGhere]

muffin me

[@jones.8004]

What I love about that advert is that they had to pull it because one of the UK watchdogs found that they had been closing banks at the same rate as the other high street banks 😂😂😂

[@WOOOPdoctorFROGhere]

@@jones.8004 wasn't the reason for pulling that advert because it was bringing the banking industry's reputation into disrepute? (like they had such a great reputation before this)

[@virendrapatel4454]

Santander Edge up

[@IanB.]

What do you think about Kroo 3.65% account also with savings pots

[@mohammedamirkhan9636]

Hi andy, when is the next Ask Andy Live Session going to be on and how can I join to ask questions? Also, can you look into enabling a way for viewers to ask questions via voice chat? (May have to be via a different platform though).

[@Richard_Barnes]

Starling won't let me back in 😆 It's been years as well but they won't entertain me opening another. Booo.

[@frankbobby1930]

Same 😂

[@WOOOPdoctorFROGhere]

re chase cashback, are you sure that new customers don't have to deposit 1500 every month? I'm in my first year with Chase and I'm pretty sure it said I had to deposit 1500 every month right from the off. didn't know I had a year to not comply with that requirement

[@wealthyspaces1131]

Suspicious of this American bank 😮

[@PaulB-q3d]

Does cashback count as income for self assessment purposes?

[@Armada8589]

No. It's classed as reward

[@deanhowells6863]

Do you rate Wise (Transferwise), i get 4.26%, paid daily ? 👍😁🇬🇧

[@q3y6]

'how often do we take cash out' Well for me it's every week, I prefer using cash and rarely ever use cards.

[@WOOOPdoctorFROGhere]

you're missing out on cashback and consumer protection

[@sonny8085]

Do you carry it on your penny farthing down to Woolworths?

[@q3y6]

@WOOOPdoctorFROGhere consumer protection isn't dependant on payment by card.

[@q3y6]

@sonny8085 No, funnily enough I carry it in my wallet. I guess you haven't heard Woolworth closed many years ago, I'm sorry for your loss.

[@sonny8085]

@@q3y6 Good to see the irony of my Woolworths comment wasn't wasted then 🤦‍♂️ What rewards or cashback do you get when you're spending your shillings then? What about section 75 insurance?

[@umairjanjua3179]

Is suite me bank free on atm cash with draw

[@naveenmessi2705]

Virgin money any good?

[@Chris_7796]

Nope😂

[@Zemmmmmmmm]

I love how you say “if you’re worried about the environment” as if every single person in the world does not live within “the environment” and depends on it to exist

[@user-pf5xq3lq8i]

Its just a nice way to say "wef woke moron".

[@WOOOPdoctorFROGhere]

that doesn't make him wrong though. What you've missed is that most people DON'T worry about the environment. they don't give a toss