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Every Type of Bank Account Explained....Current Account. The current account is the most common type of bank account in the world and the one most people interact with every day. It is built for daily money movement, which is why it comes with a debit card, online access, direct debits, and the ability to receive a salary. The concept dates back to the goldsmiths of seventeenth-century London, who held money for clients and issued notes against the deposits. Modern current accounts pay little or