Premium Current Accounts
What will banks give you in exchange for you banking with them?
Last updated
Premium personal current accounts in England target higher earners who want bundled perks, faster service or easier access to wealth products. Below is a snapshot of the major options that remain widely available without private-banking referrals.
HSBC Premier Bank Account
£100k salary required annually (or hold £100k+ across HSBC within 6 months) plus have an eligible HSBC product. Comes with a global relationship manager, worldwide travel insurance for the family, emergency cash abroad and free international transfers between HSBC accounts. Healthcare for you and your family. Cancer Bereavement Cover. Apply online via HSBC Premier.
Barclays Premier Current Account
Fee-free when you pay in £75k a year. Provides a Premier Relationship Team, access to Barclays Avios Rewards (extra £12 monthly fee for 1,500 Avios), preferential mortgage rates and enhanced FX rates. You also get priority in-branch service, a metal debit card and early access to select Barclays Wealth investments, making it a natural hub for Avios collectors who already use Barclays cards or mortgages. Apply via Barclays Premier Banking.
NatWest Premier Reward
Requires £100k sole income (£120k joint) or £500k+ in NatWest investments. The account itself is free and unlocks a Premier 24/7 team, rewards (£9 monthly in Rewards if qualifying bills are paid) and invitations to wealth-planning events. Upgrade to NatWest Premier Reward Black (£36 pm) for travel, insurance and lounge access; otherwise the standard tier keeps things light-touch while still offering concierge-style service. Apply on the NatWest Premier page.
Lloyds Premier
Income requirement is £100k. Bupa family cover. Enhanced savings and mortgage rates. Yearly lifestyle benefit (Disney+, Odeon tickets, etc.). Apply online through Lloyds Premier.
Comparison
| Account | Rates | Relationship support | Insurance perks | Health | Rewards / cashback | Travel & FX extras | Other |
|---|---|---|---|---|---|---|---|
| HSBC Premier | X | Global Premier manager covering household | Family worldwide travel cover + emergency cash | Online health access + 2 second opinions per year | X | Fee-free HSBC transfers, emergency cards abroad | £2000 Cancer Bereavement Cover |
| Barclays Premier | Enhanced Savings Rates, Enhanced Mortgage Options | Premier Relationship Team + priority service line + Financial Guides | X | X | 1,500 Avios monthly via Avios Rewards (£12 pm) | Preferential FX rates on card and transfers | AppleTV+, £500 Interest-free arranged overdraft |
| NatWest Premier Select | X | 24/7 Premier team + wealth events | X | X | X | No Non-Sterling Transaction Fees | £500 interest-free buffer on overdrafts |
| NatWest Premier Reward (£2 / month) | X | 24/7 Premier team + wealth events | X | X | £9 monthly Rewards if bills paid via account | No Non-Sterling Transaction Fees | £500 interest-free buffer on overdrafts |
| NatWest Premier Reward Black (£36 / month) | X | 24/7 Premier team + wealth events & financial advice | Worldwide family travel insurance / Mobile Insurance | X | £9 monthly Rewards if bills paid via account | Lounge access | £500 interest-free buffer on overdrafts |
| Lloyds Premier | Enhanced Savings Rates, Enhanced Mortgage Rates | Financial Coaching | X | Bupa Family GP and Wellbeing Subscription | X | X | Annual lifestyle benefit (Disney+, Odeon, etc.) |