{"id":182787,"date":"2019-03-29T09:14:34","date_gmt":"2019-03-29T09:14:34","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=182787"},"modified":"2025-03-07T16:25:30","modified_gmt":"2025-03-07T16:25:30","slug":"banking-apps-ratings-methodology","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/digital-banking\/banking-apps-ratings-methodology","title":{"rendered":"Methodology for banking scores"},"content":{"rendered":"<p>You may have noticed (you did, right?) that our current account pages, tables and reviews come with scores. They\u2019re there to help consumers figure out how good a company and its products are, at a single glance. But they wouldn\u2019t be fair, and we wouldn\u2019t be transparent, if we didn\u2019t tell you how we came up with them.<\/p><p>We publish 2 types of score:<\/p><div><ul class=\"list-10\"><li><strong>Finder\u2019s expert score.<\/strong> Our experts look at the features of a product (in this case, a current account), how much it costs and what it offers to users, then rate it.<\/li><li><strong>User reviews.<\/strong> 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.<\/li><\/ul><\/div><h3>What is the Finder score?<\/h3><p>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.<\/p><section style=\"margin-bottom: 20px;\"><\/section><div class=\"u-grid\"><div class=\"u-grid__col u-1\/5@s u-1\/1\" style=\"text-align: rig; margin: auto 0; padding: 0;\"><img decoding=\"async\" class=\"alignnone size-full wp-image-3002357\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2023\/08\/Finder-Score-Excellent.png\" alt=\"Finder rating\" width=\"180\" height=\"180\" srcset=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2023\/08\/Finder-Score-Excellent.png?fit=180 180w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2023\/08\/Finder-Score-Excellent.png?fit=360 360w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2023\/08\/Finder-Score-Excellent.png?fit=540 540w\" sizes=\"(max-width: 540px) 100vw, 540px\" loading=\"lazy\"><\/div><div class=\"u-grid__col u-4\/5@s u-1\/1\" style=\"margin: auto 0;\"><p style=\"margin-left: 20px;\">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.<\/p><\/div><\/div><div class=\"u-grid\"><div class=\"u-grid__col u-1\/5@s u-1\/1\" style=\"text-align: rig; margin: auto 0; padding: 0;\"><img decoding=\"async\" class=\"alignnone size-medium wp-image-3002340\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2023\/08\/Finder-Score-Great.png\" alt=\"Finder rating\" width=\"150\" height=\"150\" srcset=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2023\/08\/Finder-Score-Great.png?fit=180 180w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2023\/08\/Finder-Score-Great.png?fit=360 360w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2023\/08\/Finder-Score-Great.png?fit=450 450w\" sizes=\"(max-width: 450px) 100vw, 450px\" loading=\"lazy\"><\/div><div class=\"u-grid__col u-4\/5@s u-1\/1\" style=\"margin: auto 0;\"><p style=\"margin-left: 20px;\">Well-balanced products that provide what you need, offering a healthy mix of competitive features at a good price. However, they\u2019re not quite the best in class.<\/p><\/div><\/div><div class=\"u-grid\"><div class=\"u-grid__col u-1\/5@s u-1\/1\" style=\"text-align: rig; margin: auto 0; padding: 0;\"><img decoding=\"async\" class=\"alignnone size-medium wp-image-3002341\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2023\/08\/Finder-Score-Standard.png\" alt=\"Finder rating\" width=\"180\" height=\"180\" srcset=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2023\/08\/Finder-Score-Standard.png?fit=180 180w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2023\/08\/Finder-Score-Standard.png?fit=360 360w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2023\/08\/Finder-Score-Standard.png?fit=540 540w\" sizes=\"(max-width: 540px) 100vw, 540px\" loading=\"lazy\"><\/div><div class=\"u-grid__col u-4\/5@s u-1\/1\" style=\"margin: auto 0;\"><p style=\"margin-left: 20px;\">Bottom line: You can find better, but these products still offer reasonable value and have the basics sorted.<\/p><\/div><\/div><div class=\"u-grid\"><div class=\"u-grid__col u-1\/5@s u-1\/1\" style=\"text-align: rig; margin: auto 0; padding: 0;\"><img decoding=\"async\" class=\"alignnone size-medium wp-image-3002339\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2023\/08\/Finder-Score-Basic.png\" alt=\"Finder rating\" width=\"150\" height=\"150\" srcset=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2023\/08\/Finder-Score-Basic.png?fit=180 180w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2023\/08\/Finder-Score-Basic.png?fit=360 360w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2023\/08\/Finder-Score-Basic.png?fit=450 450w\" sizes=\"(max-width: 450px) 100vw, 450px\" loading=\"lazy\"><\/div><div class=\"u-grid__col u-4\/5@s u-1\/1\" style=\"margin: auto 0;\"><p style=\"margin-left: 20px;\">These products may not offer much value in the long run, and there are better options available.<\/p><\/div><\/div><h4>What factors do we take into account?<\/h4><p>We assess products across a number of key areas:<\/p><ul class=\"list-10\"><li><strong>App rating.<\/strong> This is calculated by averaging the banking app\u2019s score in the Google Play Store and the App Store.<\/li><li><strong>Fees.<\/strong> 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. If there are charges for making purchases abroad or taking out money from a foreign ATM, that is also taken into account.<\/li><li><strong>Customer service.<\/strong> We score this based on user feedback, industry reports, customer reviews and forum discussions.<\/li><li><strong>Account access.<\/strong> How can you access your account \u2013 through a mobile app, online banking, a bank branch or telephone banking? We also look at whether customer support channels are 24\/7.<\/li><li><strong>Payment features.<\/strong> 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.<\/li><li><strong>Extra features.<\/strong> Here, we look at additional tools that may come with an account, such as spending categories, budget planners, saving pots or card freezing, as well as any special features, such as the ability to check your credit score.<\/li><\/ul><p>We average all these scores to come up with an overall Finder score.<\/p><h3><\/h3><h3 id=\"customersurvey\">Your reviews and our customer survey<\/h3><p>In January 2025, we ran a customer satisfaction survey on current accounts. The survey asked 752 respondents how satisfied they are with their current account provider on a scale from 1 to 5, and also whether they would recommend it to a friend or not.<\/p><p>You can see review stars at the top of our review pages, if we\u2019ve 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\u2019ve received in our annual customer satisfaction surveys. <\/p><p style=\"margin-bottom: 5px;\"><span class=\"luna-stars luna-stars__fill--100 luna-stars--yellow\">\u2605\u2605\u2605\u2605\u2605<\/span> \u2013 Excellent<\/p><p style=\"margin-bottom: 5px;\"><span class=\"luna-stars luna-stars__fill--80 luna-stars--yellow\">\u2605\u2605\u2605\u2605\u2605<\/span> \u2013 Good<\/p><p style=\"margin-bottom: 5px;\"><span class=\"luna-stars luna-stars__fill--60 luna-stars--yellow\">\u2605\u2605\u2605\u2605\u2605<\/span> \u2013 Average<\/p><p style=\"margin-bottom: 5px;\"><span class=\"luna-stars luna-stars__fill--40 luna-stars--yellow\">\u2605\u2605\u2605\u2605\u2605<\/span> \u2013 Subpar<\/p><p style=\"margin-bottom: 5px;\"><span class=\"luna-stars luna-stars__fill--20 luna-stars--yellow\">\u2605\u2605\u2605\u2605\u2605<\/span> \u2013 Poor<\/p><p>We also show the percentage who would recommend each provider in a league table in guides and on our awards pages.<\/p>","protected":false},"excerpt":{"rendered":"<p>The banking experts at Finder compare banking apps and rank them on several areas to give you an overall indication of how useful each app is.<\/p>\n","protected":false},"author":1329,"featured_media":203058,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[3319],"tags":[],"asset_tag":[],"class_list":["post-182787","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-digital-banking"],"apple_news_notices":[],"yoast_head":"<!-- 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