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 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.
Monese is a digital banking app and card using smartphone technology to improve your banking experience.
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.
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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 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 one of the few that pays you interest. Although, if that is what interests you, it’s also worth checking out Nationwide’s FlexDirect which pays interest for the first 12 months. 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 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.”
Which factors are most important in a bank account?
As part of our customer satisfaction survey, we received feedback from customers on the elements they value most when banking. Below, you can see the results of this analysis, highlighting the most important factors when you’re looking for the best bank account.
Ranking
Current accounts factor
% of customers it’s a priority for
1
Customer service and support
23.5%
2
Ease of use and accessibility
17.5%
3
App quality and digital technology
9.2%
4
Interest rates
8.3%
5
Access to branches and in-person services
6.3%
6
Trust and transparency
6%
7
Rewards and cashback
4%
8
Fees and charges
3.5%
9
Speed and efficiency
2.7%
10
Overdrafts and credit
1.3%
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 5 February 2026.
TSB – Spend & Save accounts - Up to £200 when you switch
TSB – Current Account - Up to £175 when you switch
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 is provided by Defaqto. In other cases, Finder has sourced data directly from providers.
Sources
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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.
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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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