Over the years I've never fully understood what the girl meant when she asked me if my account was a "current account". I remember thinking, "well if I'm currently using it then I guess it's my current account", but I was never rude enough to say that. I never used to have a savings account, because I lived by the day and never had any savings to keep in it.

Since I've settled down and got a steady job I've began to wonder the differences between a current account and a savings account, and what a savings account had to offer me. Let's start with the basic differences - a savings account gives you a better rate of interest for your savings and a current account gives you more services to use with your account. A current does accumulate interest, but at a fraction of the interest that a savings account does, plus the money doesn