Why should I open a bank account?

You probably already know about current accounts (and maybe you've decided they're not for you). But do you know that basic bank accounts are now available that help you manage your money?

With a basic bank account you can pay money in, get cash out by card and use the account to pay bills directly. You can take out or spend money only if there is enough in your account. Basic bank accounts don't usually let you overdraw by more than £10. But if you pay bills directly you need to make sure that there is enough money in your account to pay them. If not, the payment may not be paid and you may be charged a fee.

Check out some of the best online deals for current and savings accounts below.

Current bank accounts

• Find out more about a range of current accounts

Savings bank accounts

• Find out more about a range of savings accounts