Methodology for business banking scores

You may have noticed (you did, right?) that our business account pages, tables and reviews come with scores. They’re there to help consumers figure out how good a company and its products are, at a single glance. But they wouldn’t be fair, and we wouldn’t be transparent, if we didn’t tell you how we came up with them.

We publish 2 types of score:

Finder’s expert score. Our experts look at the features of a product (in this case, a business account), how much it costs and what it offers to users, then rate it.
User reviews. We ask you to tell us about your experience as a customer of the brands we cover. You can submit a comment directly through the relevant review, and each year we gather more user reviews through a customer survey. We show the results of this survey in an annual league table, and use it to determine our annual customer satisfaction awards, too.

What is the Finder score?

Our expert team evaluates various products in our database, assigning each one a score out of 10. A higher score means the product is more competitive and may offer better value.

If you want peace of mind, this rating will give it to you. These products offer the best value and outcomes considering various product features, terms, conditions and price.

Well-balanced products that provide what you need, offering a healthy mix of competitive features at a good price. However, they’re not quite the best in class.

Bottom line: You can find better, but these products still offer reasonable value and have the basics sorted.

These products may not offer much value in the long run, and there are better options available.

What factors do we take into account?

We assess products across a number of key areas:

Fees. We consider whether there is a monthly fee for the account and also whether the account charges for things like cash deposits, ATM withdrawals, paying a direct debit or having your bank card delivered.
Customer service. We score this based on user feedback, industry reports, customer reviews and forum discussions.
Accounting software integrations. We score this based on which accountancy software packages the account integrates with.
Payment features. Can you deposit cash and cheques into your account, as well as make and receive international payments? These features are not as universal as you might think. We also examine whether there are other payment features available, such as a cashback programme or option to round-up spare change from your purchases.
Extra features. Here, we look at additional tools that may come with an account, such as additional employees cards, expenses management the ability to create and manage invoices.

We average all these scores to come up with an overall Finder score.

Your reviews and our customer survey

In January 2025, we ran a customer satisfaction survey on business banking providers. The survey asked 752 respondents how satisfied they are with their business account on a scale from 1 to 5, and also whether they would recommend it to a friend or not.

You can see review stars at the top of our review pages, if we’ve received more than 10. These are from consumers just like you who use our site and want to review the products and providers they use. We include ratings out of 5 and responses we’ve received in our annual customer satisfaction surveys.

★★★★★ – Excellent

★★★★★ – Good

★★★★★ – Average

★★★★★ – Subpar

★★★★★ – Poor

We also show the percentage who would recommend each provider in a league table in guides and on our awards pages.

Thank you for your feedback!

Written by

Kate Steere

Editor

Kate Steere is an editor and money expert at Finder, specialising in banking, savings and fintech. She has previously written for The Motley Fool UK and Fitch Solutions, where she covered a wide range of personal finance topics and kept a close eye on market trends. Kate has a Bachelor of Arts in Modern History from the University of East Anglia. When not working, she can usually be found curled up with a good book or heading out for a run. See full bio

Kate's expertise

Kate has written 171 Finder guides across topics including:

Banking
Savings
Fintech
Credit
Payments

More resources on Finder

More guides on Finder

Mettle vs Tide: Which offers the best business bank account?
Discover key the differences between Mettle and Tide bank accounts and what is likely to be best for you.
Tide vs Monzo: Which is better for fees and features?
We run the numbers on 2 digital business accounts to help you decide which is best for your needs.
Allica business bank account review
We explore the pros and cons of opening a business account with Allica Bank.
Best instant business bank accounts
Most banks let you apply for a business account entirely online — you might even have your account open in a matter of minutes.
Best business bank accounts for a startup
If you’ve just launched a company, some banks offer dedicated business accounts for startups that offer features like free accounting software.
Best business bank account switching offers in the UK
By switching your business bank account, you may be able to reduce your monthly fees or take advantage of different features like smart bookkeeping tools.
Zempler (formerly Cashplus) vs Tide: Which is best for your business?
Find out whether the Cashplus or Tide business account could be the better option for you.
Best prepaid business cards in the UK for 2025
Learn more about how prepaid business cards can be used to spend money with any retailer that accepts debit or credit cards.
Tide vs Revolut business: Which is the best business account?
Learn more about the key differences between the Tide and Revolut business bank accounts and which is likely to suit you better.
Tide vs Starling: Which is best for a small business?
In this guide, you’ll learn the key differences between the Tide and Starling business bank accounts and which one is most likely to suit you.