Convenience: A current account allows you to easily manage your financial transactions such as paying bills, making purchases, and receiving payments. Access to credit: Having a current account can make it easier for you to access credit, such as overdraft facilities, which can be useful in case of emergencies or unexpected expenses. Online banking: Most current accounts come with online banking facilities, which can make it easier to manage your finances, monitor your transactions, and make transfers without having to visit a bank branch.