Which UK bank comes top for customer satisfaction? Which one polls the best for its online and mobile banking service? And which one gives you good perks if you switch? Here’s how to find the right account to make sure you’re getting the best deal for your money.
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In 2023, we published our customer satisfaction survey on current accounts in England, Scotland, Wales and Northern Ireland. Here’s the full list of providers we considered and how many of their customers said they would recommend them to a friend. Learn more about the results and the winners.
|Overall satisfaction||Customers who’d recommend||Issuer||Review|
|★★★★★||94%||Starling’s digital-only current account is quick to open and efficient to manage, and the app is packed with features. Starling’s customers in our survey praised the app’s ease of use and the bank’s great customer service.||Visit Starling|
|★★★★★||90%||The last building society that does banking on a national level, Nationwide offers a good range of current accounts, some of which come with great incentives and perks, from interest paid on your balance to insurance options.||Read our review|
|★★★★★||89%||Revolut’s multi-currency digital account is good for travelling and for sending money abroad. You can exchange and hold 29 different currencies for free, and also use it as a standard UK current account – although you can’t deposit cash or cheques.||Read our review|
|★★★★★||88%||Another big bank that also got five stars in our survey was Lloyds. It offers current accounts that suit a wide range of needs, has a large branch network and has been investing in its digital banking features too.||Read our review|
|★★★★★||86%||Popular digital challenger bank Monzo offers app-based current accounts that are packed with features, with customers in our survey highlighting the useful money management and savings tools.||Read our review|
|★★★★★||85%||High street bank Santander comes with all the advantages of a big bank and offers a wide range of current accounts. Among its top-selling points is the option of earning cashback on your bills.||Read our review|
|★★★★★||82%||With NatWest, you can choose between free current accounts and paid-for rewards accounts. Customers praised its dependable service and easy to use mobile banking app.||Read our review|
|★★★★★||81%||Current accounts by Barclays come recommended by 81% of its customers in our survey. Respondents praised the bank’s helpful customer service, as well as its banking app.||Read our review|
|★★★★★||81%||Bank of Scotland is a subsidiary of the Lloyds banking group. Its bank branches are mainly in Scotland, although you can live elsewhere in the UK to open an account. Its customers in our survey were mostly pleased with its friendly and helpful customer service.||Read our review|
|★★★★★||79%||Last year’s winner, Halifax has several current account options, ranging from basic accounts up to reward accounts. Many customers in our survey highlighted its reliability and range of services on offer.||Read our review|
|★★★★★||75%||Virgin Money has been steadily growing its current account range since its launch in 2019. It now has one free and one paid-for current account to choose from, and its customers that we polled were fairly happy with the customer service and banking app.||Read our review|
|★★★★★||80%||HSBC has three everyday current accounts in its roster, depending on your personal circumstances and income. Many of its customers in our survey were long-standing account holders and were pleased with the customer service.||Read our review|
|★★★★★||75%||The Co-operative Bank prides itself on its customer-led Ethical Policy, which was a main draw for a lot of customers in our survey. It has one standard current account and a packaged current account.||Read our review|
|★★★★★||74%||Another digital-only account, Monese, is especially good for frequent travellers or people who often have to work across different countries. Overseas purchases and ATM withdrawals can be free, depending on which plan you’ve signed up to, and you can also set up a euro account for free.||Read our review|
|★★★★★||74%||Royal Bank of Scotland is NatWest’s sister bank. Just like its peer, it offers a selection of current accounts that include cashback at selected retailers.||Read our review|
|★★★★★||74%||The TSB banking brand returned to the UK high street in 2013. Some customers in our survey rated its good level of customer service, while others highlighted the bank’s recent branch closures.||Read our review|
|★★★★★||73%||Known for providing great customer service on the phone 24/7, the UK’s first telephone bank and HSBC sibling First Direct only offers one current account. But it’s a solid banking option that’s recommended by nearly 4 out of 5 customers in our survey.||Read our review|
|★★★★★||65%||One of the few challenger banks that also has a network of branches, Metro Bank only offers one current account, whose top feature is that it doesn’t charge you for using the card to make purchases or withdraw cash in Europe.||Read our review|
In December 2022, we ran a customer satisfaction survey on current accounts. 2,944 people answered and told us how happy (or not) they were with their current account provider.
The survey asked respondents how satisfied they were with their current account on a scale from 1 to 5, and also whether they would recommend their banking provider to a friend or not. We turned the results into star ratings and shortlisted the top-performing brands for our awards. Where there was a draw in terms of star ratings, we used the recommendation score (the percentage of customers who said they would recommend the brand to a friend) as a tie-breaker.
Full details of our star ratings for this sector are on the banking ratings methodology page.
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
The customer satisfaction score is based on a survey of 2,944 customers carried out in December 2022.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Our customer satisfaction table shows the current accounts whose customers are most satisfied with their banking provider.
In our survey, we asked account holders whether they would recommend their provider to a friend and how they would rate it from one to five. So, a good result in the survey does mean that many people think a certain current account provider does a good job. What it does not mean is that the same account provider is good for everyone.
For example, some of the more traditional banks near the top of our table might not suit those who just want a slick app and don’t plan to visit a branch. If that’s you, you might be better off with a fintech challenger brand like Starling Bank or Monzo. It’s all about figuring out your banking style and ultimately choosing the account that’s best for you, not for everyone else.
Before you answer this question, you should ask “what do I need from my bank account?”
Work out what you need before comparing the options.
Barclays is a multinational banking and financial services company based in London. It is a universal bank with operations in retail, wholesale and investment banking – as well as wealth management, mortgage lending and credit cards. Barclays has operations in more than 50 countries and around 48 million customers globally.
HSBC is another multinational banking and financial services company that is headquartered in London. It is the world’s sixth largest bank by total assets and the largest in Europe and the UK.
The Lloyds Banking Group now includes Lloyds Bank, Halifax and Bank of Scotland, as well as other financial brands such as Scottish Widows. Lloyds Bank itself is more than 250 years old, having opened in Birmingham in 1765.
Formerly known as the Royal Bank of Scotland Group, this company includes NatWest, the Royal Bank of Scotland and Ulster Bank. Together, its various banking brands have branches throughout the UK.
Safety is a common concern among banking customers, especially for online banking. If you’re keen to discover which banks offer the best safety precautions, check out our guide to the safest banks.
Here are the main factors you’ll want to consider when choosing your bank account.
Below we’ve listed the results of the “Personal banking service quality – Great Britain” survey, published in August 2022. Ipsos polled around 1,000 customers of each of the 16 biggest current account providers and asked if they’d recommend their provider to friends and family. The survey took place between July 2021 and June 2022 and was commissioned by the Competition and Markets Authority (CMA) as part of a regulatory requirement.
|9||Bank of Scotland||60%|
|13||The Co-operative Bank||53%|
|16||Royal Bank of Scotland||46%|
|=5||Bank of Scotland||77%|
|=12||Royal Bank of Scotland||66%|
|=14||The Co-operative Bank||63%|
|9||Bank of Scotland||57%|
|14||The Co-operative Bank||52%|
|16||Royal Bank of Scotland||43%|
|5||Bank of Scotland||67%|
|=8||The Co-operative Bank||59%|
|13||Royal Bank of Scotland||51%|
|Best for low credit scores||NatWest||Foundation account|
|Best for cashback||Santander||Santander 123 Lite|
|Best for packaged accounts||Nationwide||Flex Plus|
|Best for switch incentives||HSBC||Advance|
|Best for students||Santander||Student account|
|Best for kids||gohenry||Prepaid card and app|
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