The bank accounts that pay you for your spending

We regularly write about the benefits of using cashback credit cards wisely. But not everyone likes using a credit card to pay for their spending, and they have very valid reasons.

If you prefer to manage your money with a debit card, you can still earn some extra cash from moving to the right current account.

Here are some of the top cashback current account offers available right now. Of course, pair them with a cashback credit card and you can earn even more!

Santander

The Santander 123 Current Account offers cashback on your household bills.

You'll get 1% on water, Council Tax and Santander mortgage repayments (up to a maximum of £1,000 a month); 2% on gas and electricity bills as well as Santander home insurance premiums; and 3% on mobile, home phone, broadband and paid-TV contracts.

You can also earn up to 3% interest on your in-credit balance. The account pays 1.5% on balances up to £20,000.

If you use online or mobile banking, you'll also be able to earn up to 15% cashback when you shop in-store and online with your debit card at certain retailers through a scheme called Retailer Offers.

To qualify for these perks, you must fund the account with at least £500 a month and set up at least two direct debits (although you'll want to set up all your eligible bills if you want to earn cashback on them) and pay a £5 monthly fee.

TSB

The TSB Classic Plus Account offers customer the chance to earn 5% cashback on your first £100 of contactless payments made every month until September 2017.

The offer ends on 30 September 2017 for accounts opened on/after 1 June 2016.

The Classic Plus Account also pays a rate of 3% interest on balances up to £1,500.

The good thing about this account is that the rate is ongoing and you only need to deposit £500 a month and register for internet banking to qualify for the interest.

NatWest and RBS

NatWest and RBS offer the Reward account, a current account which pays cashback on your household bills.

You get a flat rate of 3% cashback (or Rewards as the banks call them) on your phone and broadband, Council Tax, gas and electricity, mobile, water and TV bills.

The account costs £3 a month, so as long as you pay out more than £100 in eligible direct debits a month, you'll end up making money from the Reward account.

Barclays

The Barclays Bank Account with Blue Rewards is also worth considering.

Providing you are a current account customer aged 18 or over, deposit £800 a month, have two direct debits set up, and sign up to online banking or the Barclays mobile banking app, you'll be paid £7 a month, although there's a £3 a month fee, so you'll actually only pocket £4 a month.

If you have a Barclays mortgage you'll get an extra £5 a month, with £3 a month for home insurance customers, and £1 a month if you have a loan. However, getting other financial products from your main bank can often be a false economy, so you need to be sure that your deal is a good one away from any cashback benefit.

Barclays customers can also earn cashback with over 200 retailers, including Boots, GAP and Expedia.

Co-operative Bank

Co-operative Bank Current Account customers can opt into the Everyday Rewards scheme which offers the chance to earn up to £5.50 a month for everyday banking.

However, the cashback offer comes a list of caveats. The first £4 is earned so long as you pay in at least £800 into the account each month, stay in credit, opt for paperless statements, log into online banking at least once a month and have a minimum of four direct debits going out each month.

Account holders can also earn 5p every time they use their debit card, up to £1.50 a month. This brings the total up to £5.50 a month or £66 a year. You can opt to keep the cashback or send it to one of five charities: Amnesty International, Hospice UK, Oxfam, Refuge or The Woodland Trust.

On the plus side, there's no monthly or annual fee so you'll receive or donate the full amount you earn and new customers that switch can get a £110 bonus.

Halifax

Halifax offers access to a scheme called Cashback Extras, which allows you to earn money when you shop online at certain retailers using your debit card.

The offer applies to the Current Account, Reward Current Account and Ultimate Reward Current Account.

The Reward Current Account is a particularly good deal to go for. It pays £3 a month, providing you credit the account with £750 each month, pay out at least two direct debits per month and manage to stay out of the red.

New customers switching to Halifax can get a £100 bonus so in total you could pocket £136 in the first year from the Reward Account!

Compare the benefits you could get by switching current account