Best Buys.

The best free current accounts vary all the time, and the deal that’s right for someone who is always in credit will be different to the that works for someone who regularly goes overdrawn at the end of the month. But experts say Alliance & Leicester, Coventry, Halifax, Nationwide and Lloyds TSB tend to do well in most categories. For more specific suggestions the Compare Accounts feature at www.which.co.uk is worth using. There’s also a How to Switch feature on the same site.