The bank accounts that pay you for your everyday spending

Many banks are now offering the opportunity to earn cashback when you spend on your current account's debit card.

Here's a round-up of the best and what they pay.

TSB Classic Plus

TSB has launched a new offer allowing Classic Plus Account holders the chance to earn up to £120 cashback a year.

You'll get £5 cashback every month for spending on your debit card at least 20 times and £5 for having two direct debits set up. The offer only applies to account opened on or after 1 March 2017 and is available until 30 June 2018.

The Classic Plus Account also pays a rate of 3% interest on balances up to £1,500, which means you could pocket a further £45 a year.

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.

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 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.

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.

NatWest claim top earners from the account are raking in £217 a year on average, but the amount you can earn is unlimited.

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.

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. However, 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 180 retailers, including Boots, B&Q and GAP.

Halifax

Halifax offers access to a scheme called Cashback Extras, which allows you to earn up to 15% cashback 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 £75 bonus.

Want to earn some cashback from your banks? Compare current accounts