Welcome to the Finder Customer Satisfaction Awards 2026
Our awards are decided by the only votes that really matter – yours. We partnered with the research consultancy Censuswide to ask customers of major business card providers in the UK to tell us about their experiences.
Winner: Business cards
Payhawk
Congratulations to Payhawk – this year’s business cards winner with a 90% recommendation score. Customers spoke highly of the service and like the tracking and controls available.
Highly commended: Business cards
Bank of Scotland
Bank of Scotland is our 2026 highly commended business cards provider, with customers finding it straightforward and simple to use, as well as being trustworthy and reliable.
Our customer satisfaction league table 2026
| Brand | Customers who’d recommend | Details |
|---|---|---|
| Payhawk | 90% | Payhawk is highly regarded for its efficient tracking and control features. The service is consistently described as high quality and dependable for business needs. |
| Bank of Scotland | 87% | Highly valued for its helpful staff and reliable rates, Bank of Scotland is a trusted partner that is simple to navigate and always professional. |
| Moss | 87% | Moss earns exceptional praise for its top-tier customer service and professional design. Reviewers frequently highlight the seamless expense tracking and useful rewards. |
| The Co-operative Bank | 87% | Known for its strong ethical values, The Co-operative Bank provides a brilliant and straightforward service. The brand is a firm favourite for its transparency. |
| Santander | 87% | Santander offers a secure and flexible way to separate business expenses. Customers find the ordering process quick and appreciate the overall ease of use. |
| Royal Bank of Scotland | 83% | This trusted provider is praised for its professional UK-based call centres and reliable transaction handling. Royal Bank of Scotland is seen as a solid, supportive choice. |
| American Express | 83% | Consistently praised for its brilliant reward scheme and intuitive app, American Express is a premier choice. Users value the high-quality service and seamless transactions. |
| Barclaycard | 80% | Barclaycard is noted for its professional design and smooth processing. Borrowers appreciate the unique products and the supportive nature of the brand. |
| NatWest | 77% | Widely accepted and simple to use, NatWest is a strong and reputable brand. However, some users find the app hard to navigate. |
| Juni | 77% | Juni is valued for its free card and helpful ad spend tracking. Many customers appreciate the cashback offers and the way it supports business growth. |
| HSBC | 77% | Accepted worldwide, HSBC provides a durable card and easy online platform. Conversely, multiple reviewers highlight that customer support can be difficult to deal with. |
| Lloyds Bank | 73% | Lloyds Bank offers good cashback and a reliable way to store funds. However, some customers mentioned high fees and difficulty contacting support. |
| Capital on Tap | 73% | Capital on Tap is praised for its 1% cashback and effective, fast service. While useful, some reviewers noted that interest rates are relatively high. |
| Funding Circle | 73% | Borrowers value Funding Circle for its fast response times. Nevertheless, several users felt customer service was less professional than that of competitors. |
Customer satisfaction ratings methodology
We asked people who’d used a business card 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 420 business card customers was carried out in February 2026.
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.
Previous winners
| Year | Brand | Award type | Award category | Position | Finder Badge |
|---|---|---|---|---|---|
| 2025 | AllStar | Customer Satisfaction Awards | Business Cards | Winner |
|
| 2024 | Allied Irish Bank (GB) | Customer Satisfaction Awards | Business Cards | Winner |
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| 2024 | American Express | Customer Satisfaction Awards | Business Cards | Highly Commended |
|
| 2023 | American Express | Customer Satisfaction Awards | Business Cards | Winner |
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| 2023 | Bank of Scotland | Customer Satisfaction Awards | Business Cards | Highly Commended |
|
| 2022 | Lloyds Bank | Customer Satisfaction Awards | Business Cards | Winner |
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| 2022 | American Express | Customer Satisfaction Awards | Business Cards | Highly Commended |
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