As of 13 August 2026, AI can only partly compare UK current accounts.

What to actually do

1. Hand it to a person

   The route this page recommends

   A person who owns the outcome does this end to end, worth it when the failure is dear.

2. Use a tool built for this

   Second choice

3. Do it yourself

   The distant third

   A chat interface, chat-fluent skill, and roughly 30 minutes until you can act on the result.

   How to actually do it

   1. Write down how you use your current account, your expected balance, whether you may use an overdraft, and whether you need branches, cash access or a joint account.
   2. Open the official product pages for the current accounts you are considering and copy their current fees, interest, overdraft, eligibility, switching and incentive terms into a document.
   3. Remove account numbers, sort codes, passwords, transaction details and other private information, then add the official link beside each account's copied terms.
   4. Paste the information and the copyable prompt into a chatbot and ask it to produce the comparison table, missing-information list and recommendation.
   5. Open each cited official bank page and compare every fee, rate, condition and eligibility statement in the draft against the page, correcting the draft where it differs or marking the point as unverified.
   6. Ask the bank directly about any unclear overdraft, switching, eligibility or incentive condition, then choose and apply only after the bank confirms the terms that matter to you.

   Prompt

   Compare the UK current accounts described below for my circumstances. Use only the information I provide or information from the official bank pages I link. Do not invent rates, fees, eligibility rules, switching incentives, overdraft terms or dates, and do not fill gaps with general assumptions. Flag any missing, unclear or potentially outdated detail.
   
   My priorities:
   - Main use: [for example, everyday spending, salary payments, bills or travel]
   - Expected monthly balance: [amount or 'varies']
   - Likely use of an overdraft: [yes, no or unsure]
   - Need for cash withdrawals, branches or joint access: [details]
   - Other priorities: [details]
   
   Accounts and sources:
   [Paste each account name, its official product page link, and the relevant terms here. Remove account numbers, sort codes and other private information.]
   
   Produce:
   1. A plain comparison table covering monthly fees, credit interest, overdraft charges, cash withdrawal rules, branch access, eligibility, switching requirements, incentives, account protections and any important exclusions.
   2. A separate list of facts that are missing or need checking on the official bank page.
   3. A suitability assessment based only on my stated priorities, without calling any account universally best.
   4. The questions I should ask the bank before applying.
   5. A short recommendation with the reason and the main risk or trade-off.
   
   Mark every figure and condition with its source account or link. This is not professional advice. Do not tell me to open an account until I have checked the current official terms.

   Open it prefilled in ChatGPT or Claude, or copy it into Gemini, which takes no prefill link.