We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
In 2021, 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||Logo||Bank name||Review||More info|
|★★★★★||89%||Monzo||Monzo is the most popular digital-only bank in the UK – and apparently for good reason, as it topped our survey again this year. Its app-based current accounts are packed with features, with customers in our survey highlighting the useful spending categorisation and savings pots tools.||Read our review|
|★★★★★||83%||Nationwide||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|
|★★★★★||81%||Metro Bank||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|
|★★★★★||80%||NatWest||With NatWest, you can choose between free and rewards accounts. This year, NatWest is the joint highest scoring of the big traditional banks in our survey, with customers praising both its in-branch service and digital features.||Visit NatWest|
|★★★★★||80%||Santander||Posting the same scores as its high street peer NatWest, 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.||Visit Santander|
|★★★★★||79%||First Direct||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 four out of five customers in our survey.||Visit first direct|
|★★★★★||79%||Starling||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 tools and ease of use.||Visit Starling|
|★★★★★||78%||Lloyds Bank||Another big bank that got a solid score 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|
|★★★★★||77%||Barclays||Barclay’s current accounts come with the option of earning rewards at selected retailers. In our survey, customers praised the bank’s “reliable” service, as well as its banking app.||Read our review|
|★★★★★||75%||Halifax||Part of the wider Lloyds banking group, Halifax has several current account options, ranging from basic up to reward accounts. Many customers in our survey highlighted the quality of customer service and friendly staff.||Read our review|
|★★★★★||76%||RBS||Royal Bank of Scotland is NatWest’s sister bank. Just like its sibling, it offers a selection of current accounts, including rewards accounts that feature cashback on your bills.||Read our review|
|★★★★★||71%||HSBC||HSBC has four current accounts in its roster depending on your personal circumstances and income. Long-standing customers in our survey were pleased with the customer service, although online and app banking had some mixed reviews.||Visit HSBC|
|★★★★★||67%||Bank of Scotland||Bank of Scotland is also 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, and customers in our survey were mostly pleased with its digital banking offering.||Read our review|
|★★★★★||73%||Monese||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 are free (up to a point, depending on which plan you’ve signed up to), and you can also set up a euro account for free.||Visit Monese|
|★★★★★||69%||Revolut||Revolut’s multi-currency digital account is great for travelling and even better for sending money abroad. You can exchange and hold 30 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|
|★★★★★||63%||TSB||The TSB banking brand returned to the UK high street in 2013, but (along with other banks) it has been closing branches recently. Some customers in our survey had high praise for the “helpful” staff, while others highlighted the bank’s well-documented online banking issues.||Read our review|
In December 2020, we ran a customer satisfaction survey on current accounts. 1,941 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 one to five, and also whether they would recommend their bank 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, we used the recommendation score (that is, the percentage of customers who said they would recommend the brand to a friend) as a tie-breaker.
Full details of how we calculate our star ratings for this sector are on the bank ratings methodology page.
Well, yes and no. These are the current accounts whose customers are most satisfied with their banking provider.
Our customer satisfaction survey 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, challenger bank Monzo topped the survey, but if you like going to a branch and discussing your banking options in person, or having loads of different current accounts to choose from, you might be disappointed. 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.
Sifting through small print can take forever. For those of you with better things to do, Finder has put together tables, lists and guides which allow you to make the right decision quickly. Here are a few of the main things to look out for when comparing bank accounts:
1. Interest rates
This one is important. Getting the highest interest rate will mean your money will work harder for you.
2. Small fees (preferably none)
Most banks don’t charge a monthly fee for maintaining accounts. But it’s worth checking. If you’re currently paying a monthly fee, then you need to assess whether the account is worth it.
3. Access to your cash
This depends on your preferences and personal savings goals. While many savings accounts allow you almost instant access, some require that you plan ahead and give advance notice of withdrawals. Learn more about notice saving accounts.
Some accounts offer rewards and benefits in the form of shopping vouchers, exclusive rates or products. If this sounds up your street then take a look at the accounts which offer these sort of extras.
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.
In April 2021, S&P Global published its report on Europe’s 50 largest banks by assets. We have used this data and shown the top ranking UK banks in the list below.
|Rank||Bank||Total assets (€bn)|
|1||HSBC Holdings PLC||2439.55|
|3||Lloyds Banking Group PLC||972.45|
|4||Natwest Group PLC||892.34|
|5||Standard Chartered PLC||645.05|
|6||Nationwide Building Society||285.97|
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.
In order to tempt customers away from their competitors, many banks offer switching incentives including cash bonuses. Click to see our guide on which banks give you money if you switch.
Here are the main factors you’ll want to consider when choosing your bank account.
Below we have listed the results of the “Personal banking service quality – Great Britain” survey. This independent survey was carried out between July 2020 and June 2021 by Ipsos MORI, and was commissioned by the Competition and Markets Authority (CMA) as part of a regulatory requirement.
|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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