Acorn Everyday
The everyday ledger for salaries, bills and snack-related deductions. It pays no credit interest: its story is about tracking movements, not growing a savings balance.
Branch Out Business
A separate ledger for invoices, stock and the question of whether eaten inventory counts as a sale. The model charges £6 a month and pays no interest, so the cost of a quiet trading year stays visible.
Overdreyft Buffer
A buffer, not a savings pot. The model applies interest only to the amount above £50 and shows what a shortfall costs over several durations. There is no real credit facility to draw on.
Compare current accounts with your amount
- Acorn Everydaycosts leastNO MONTHLY FEE · NO INTEREST£0.00fees over a year; no interest
- Branch Out Business£6 MONTHLY FEE · NO INTEREST£72.00fees over a year; no interest
- Overdreyft Buffer29.9% EAR · FIRST £50 FREE£53.25interest for 30 days
Same fictional model as every table on the site. Limits and allowances are noted; nothing here is advice or an offer.
Compare side by side
| Feature | Acorn EverydayNO MONTHLY FEE · NO INTEREST | Branch Out Business£6 MONTHLY FEE · NO INTEREST | Overdreyft Buffer29.9% EAR · FIRST £50 FREE |
|---|---|---|---|
| Type | Current account | Business current account | Arranged overdraft |
| Rate, reward or charge | 0.00% credit interest; £0.00 monthly account fee | 0.00% credit interest; £6.00 monthly account fee | 29.9% EAR (variable), with the first £50.00 interest-free |
| Minimum | £0.00 | £0.00 | £0.00 |
Current accounts at a glance
Only the business account charges a fee; the overdraft costs interest instead, shown on its own page.
View as a table
| Category | Fees |
|---|---|
| Acorn Everyday | £0.00 |
| Branch Out Business | £72.00 |
| Overdreyft Buffer | £0.00 |
View as a table
| Category | Interest |
|---|---|
| 7 days | £2.26 |
| 30 days | £9.78 |
| 90 days | £29.98 |
Current accounts questions
Shared with every product page in this range and the full FAQ list.
Which current account should I use for personal spending?
In the story, Acorn Everyday. It pays no interest and charges no fee; its job is tracking movements. Branch Out Business is the ledger for a woodland stall and charges £6 a month.
Does a current account pay interest?
No. Both current accounts pay 0.00% credit interest in the model. Money meant to earn something belongs in the savings range.
How much does the overdraft cost?
Overdreyft Buffer charges 29.9% EAR (variable) on borrowing above a £50 interest-free buffer. A £500 shortfall for 30 days costs a few pounds; a lingering one costs much more. The product page shows 7, 30 and 90 days.
Can I make real payments from these accounts?
No. Payment scenarios are stories. There is no payee list, sort code or card that moves real money.
Where are the credit cards?
In their own range, so each card’s reward or offer can be shown next to its borrowing cost.
Day-to-day money: salaries in, bills out, and the arranged overdraft that sits alongside the everyday ledger. None of these pays a savings return, so the useful questions are what each one costs and how quickly it moves money around the story.
How to choose
Start with Acorn Everyday for personal spending or Branch Out Business for a woodland stall. Add Overdreyft Buffer only as a short-lived cushion, because its EAR makes a lingering shortfall expensive. Cards live in their own range, where each one shows its reward or offer next to what borrowing on it would cost.
Other ranges: Savings, Mortgages, Loans, Credit cards, Investments, Insurance. Every figure on this page comes from the live product record, so a changed rate is reflected immediately; the rates page compares the whole range.
AcornBank: entirely fictional banking, exceptionally committed squirrels.