Our experts trawled through the features and fees of accounts from all the big providers and challengers worth considering, including digital-only banking apps. This guide shows our scores as well as scores from the people who matter most – customers. Find out the top accounts for spending abroad, earning interest on your balance, cashback and more, to help you choose the perfect account. You can also earn money when switching your bank account.
Our 2025 customer satisfaction league table
We asked the customers of banking apps and current accounts providers featured in this table whether they’d recommend it to a friend and we’ve ordered the table by the percentage score. Our independent survey was carried out in January 2025. Learn more about how we conducted our research.
Brand
Logo
Customers who’d recommend
Review
Chase
100%
Chase stands out amongst the crowded current account market by offering its current account holders 1% cashback (up to £15 a month).
We asked people who’d used a current account provider within the previous 12 months to rate their satisfaction with the service they received and whether they’d recommend the provider to a friend. Our independent survey of 752 current account customers was carried out in January 2025.
We have shown the percentage recommended score in the table above and used these ratings to decide the winners of our awards. Where there was a draw on the “would recommend percentage”, we used the overall rating out of 5 as a tie-breaker.
Our expert says: Banking expert Cathy Hudson explains how to pick the best account
"The bank that’s right for you depends on your priorities and your financial situation. If you’re simply looking for a bank with the best customer satisfaction, Chase, Revolut, and Starling Bank received the highest scores for overall satisfaction, with Chase scoring an impressive 100% ‘would recommend’ score. These are digital-only banks so you would need to make sure this would suit you before choosing one of them.
If it’s interest on your credit balance you’re looking for, Kroo – another digital bank – is currently offering an impressively high rate that is better than some savings accounts. Starling is best if you’re spending money abroad, as it doesn’t charge you fees when you’re paying by card or taking cash out overseas and uses Mastercard’s exchange rates.
For those looking to maximise the return on their savings, first direct is a winning option as by taking out its current account you get access to its top-paying Regular Saver account, which lets you save £25 to £300 a month for 12 months. The interest you’ve earned will be paid to you at the end of this period. If you save the maximum £300 a month, at 7% gross AER, you’ll earn around £136.50 at the end of the 12 months."
We picked Monzo's current account as the best for extra features because it is designed to help you manage your money better through a range of budgeting tools. It has introduced cashback alongside its existing services like automatic spending categories, spending notifications and Savings Pots. It's our best for green credentials too, scoring well for its ambitious net zero targets and its policy not to invest in or lend to fossil fuel businesses. Also, as a digital bank, its operational emissions benefit from a lack of branches.
Representative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 39% EAR variable.
Pros
Easy to set up
Good for budgeting and categorising spending
Automatic saving feature
Fee-free spending abroad
Slick app with face login
Overdrafts and loans available
Cons
Free ATM withdrawals outside the EEA limited to £200,
£1 fee for depositing cash at PayPoints,
Maximum cash deposit of £1,000 every 6 months
No rewards program
Minimum opening balance
£0
Switch service guarantee
Yes
Account fees
£0
Overseas card transactions
0%
Overseas cash withdrawals
0% conversion fee plus cash fee of 0% on up to £400 per 30 days (3% thereafter)
Starling's current account is our pick for best all rounder because it has a range of useful features and no monthly fee. It's also our best pick for overseas spending because it has no transaction fees and no monthly overseas ATM withdrawal limits, just a daily limit of £300. As one of the largest digital-only banks, it has built a service which has a variety of payments and budgeting features for customers to use directly through their app. This includes savings spaces, virtual cards, round-up spare change options and all the regular banking payment services. It's a great option if you're looking for fee-free spending when you can pay with your debit card or withdraw cash without being charged.
Representative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 15% EAR variable.
Get a £20 welcome bonus when you spend your first £20 (T&Cs apply).
Revolut's our pick as the best all-in-one finance app because it has a range of features on top of what you'd expect from a current account. You're able to invest in shares, commodities and even crypto from the app, which could help simplify someone's finances if they want it all in one place. You can also add travel insurance at the touch of a button, make international payments, hold different currencies and receive your salary early. Oh, and you get a generous welcome bonus when you sign up as well.
Pros
Low overseas fees
Quick sign-up
Earn cashback on spending
Set budgets for financial goals
Virtual cards for online purchases
Easy to transfer money internationally
Linked Revolut <18 account available for one child
Cons
1% currency conversion charge on weekend spending abroad
Free cash withdrawals in the UK and abroad both limited to £200 per month
Cannot deposit cash or cheques into the account
Charged a fee to receive your bank card
Minimum opening balance
£0
Account fees
£0
Overseas card transactions
0% Mon-Fri (max. £1,000 per month)
Overseas cash withdrawals
0% Mon-Fri (max. £1,000 per month) conversion fee plus cash fee of £0 up to £200 per month
Everyday Offers - Earn up to 15% cashback from selected retailers when shopping with a Lloyds Bank credit or debit card.
Lloyds is our choice as the best for payment features because it has a strong branch presence where you can make cash and cheque deposits and allows you to make and receive international payments. Making payments is an essential service for a current account but Lloyds does this and much more. It also has its Everyday Offers cashback programme where you can earn up to 15% cashback and comes with no monthly fee. As Lloyds is part of the Lloyds Banking Group, Halifax and Bank of Scotland have many of the same payment features.
Representative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 39.9% EAR variable.
Pros
No monthly fee
Earn cashback on spending
Overdraft available
24/7 banking
FSCS protection
Cons
Interest charged on overdraft
No interest paid on balances
Limited account features
Minimum opening balance
£1
Minimum operating balance
£1
Switch service guarantee
Yes
Account fees
£0
Overseas card transactions
Europe: 2.99% plus flat fee of £0.50. Elsewhere: 2.99% plus flat fee of £0.50
Overseas cash withdrawals
Europe: 2.99% conversion fee plus a cash fee of £1.50. Elsewhere: 2.99% conversion fee plus a cash fee of £1.50
Nationwide won our best bank account for linked savings account category for its Flex Regular Saver. At the time of writing, this has one of the highest rates on the market but it's worth knowing you can deposit a maximum of £200 a month (other accounts may have a lower rate but a higher maximum). The account term is 12 months and you'll be able to make up to 3 withdrawals during that period without impacting your interest rate. Just keep in mind that if you make 4 or more withdrawals, your interest rate will be reduced. Account management can all be done via the app or online banking, and you can set a monthly standing order from your Nationwide current account to the Flex Regular Saver. Nationwide's current account stood out for the number of options for accessing its account and receiving support as well as its payment features and linked saver account.
Representative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 0% EAR variable.
Pros
No monthly fee
Arranged overdraft available
Access to exclusive products such as linked savings account
Receive 1% cashback on everyday purchases capped at £15.
We picked Chase as the best bank account for cashback because its cashback offer is head and shoulders above the rest in how much you can earn each month and because it has no monthly fee. New customers can earn 1% cashback on their debit card spending for the first 12 months, but cashback is capped at £15 a month. This applies to a wide range of purchases including groceries, travel, meals out, entertainment, fashion and homewares. As well as no monthly fee and cashback, Chase's account also comes with free spending and cash withdrawals abroad.
We picked Kroo as the best for in-account interest because it has one of the highest in-credit rates on the market. Its rate is competitive with some easy access savings accounts, but is available on your current account balance, up to £500,000. A fully licensed UK bank, Kroo offers a current account that's free to open, comes with an overdraft subject to availability and has all the useful budgeting features you'd expect from a digital bank including a shared expenses tracker, savings pots and real-time transaction information.
We asked Brits what they care about when choosing a banking account and our scoring reflects what they told us. Our unique system covers 8 key categories that we believe are the most important features to consider when comparing bank accounts:
We asked UK bank account holders what matters most to them when choosing or switching to a new banking account, and used this when deciding what weight to give different factors in our scoring.
Factor
Weighting
App ratings
20%
Transaction fees
10%
Customer service
20%
Account access
10%
Payment features
10%
Extra features
10%
Monthly fees
10%
Overseas fees
10%
We update our best picks as products change or emerge in the market. We also regularly review and revise our selections to ensure our best provider lists reflect the most competitive available.
Which bank account should I choose?
Before you answer this question, you should ask “what do I need from my banking account?”.
Are you looking to spend money regularly using a debit card, take out cash at an ATM or pay bills electronically? If so, you want a current account. There are joint bank accounts if you wish to open a current account with a friend, family member or a partner.
If you’re looking for an Islamic or Sharia-compliant bank account then you can visit our guide on this type of account.
Are you looking to save a bit of money each month but want to have access to it at any time? You may want an easy access savings account.
Work out what you need before comparing the options.
If you’re unhappy with your bank, it makes sense to vote with your feet, especially when there are so many options to choose from.”
What is the average number of bank accounts per person?
The average person in the UK has 1.8 current accounts in 2025 according to Finder research. More than half of UK adults (53%) have 2 or more personal bank accounts – an estimated 28.7 million people – compared to 46% of people in 2020. However, 2.8% of Brits do not currently have a personal bank account in their name, an estimated 1.5 million people.
How many people have a digital-only bank account?
Our recent survey found that 2 in 5 Brits (40%) have a digital-only bank account in 2025. The number of people with a digital-only bank account has increased significantly over the past two years, jumping from 24% at the start of 2023 to 36% at the start of 2024 and then increasing again in 2025.
There are plenty of good deals available if you’re looking to switch account, whatever you want from your bank or banking provider. Just make sure you consider your needs before choosing one. Some of the newer digital-only banks are among the best for customer satisfaction so if you’re happy to only do your banking online or through an app, with no branches offering face-to-face help, these are definitely worth a look.
Frequently asked questions
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 banking account.
Branch access. If you would like assistance from staff in a local branch, you may base your decision on which banks have branches near your home or workplace.
Incentives. A lot of banks offer “packaged” accounts, which come with gadget insurance, travel insurance, breakdown cover and other incentives. However, these also come with a monthly account fee.
Customer service. There are plenty of surveys out there that rate the customer service delivered by the best banks.
Other financial products. Some banks offer better mortgage/credit card/savings deals to their current account holders, so bear this in mind if you’re looking for other financial products.
Switching incentives. Banks from time to time offer switching incentives to close down your old account and switch to a new one. It may be worth browsing the latest switching bonuses on offer which can include rewards of £100 or more.
Current switching deals
Below we have listed the latest switching deals on the market. This list is checked regularly and was last updated on 14 April 2025.
You can switch as often as you like, which you might want to do to get a better service or more credit interest, for example. If you’re doing it to get the switching rewards, you can only get it once from some banks. Others will give it to you again if a number of years have passed since the last time.
When you’re choosing a savings account, your main consideration will be the amount of credit interest you’ll get. You can find the best accounts with our savings comparison table.
We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
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Kate Steere is an editor at Finder, specialising in fintech, banking and cryptocurrency. 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 126 Finder guides across topics including:
Wise and Starling offer a different range of features because they’re both different financial products. See how they compare for travel and spending abroad.
Barclays offers a full range of current accounts with different sets of perks and rewards. We compare and contrast them to help you choose the right one.
With a current account from The Co-operative Bank, you’ll get access to worldwide travel insurance from AXA, UK and European breakdown cover from RAC, everyday rewards and the option to have a greater degree of control over your spending.
RBS offers a series of perks, including cashback on their bills, to its current account customers. We present you with all the options to help you choose the right one for you.
Compare HSBC current accounts, switching incentives, premium accounts and more.
Advertiser disclosure
Finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which Finder receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. Finder compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
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