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Independent service quality survey results

Personal current accounts

Independent service quality survey results

Personal current accounts

For the latest published results, please select the region you wish to view below

Great Britain

Independent service quality survey results

Personal current accounts

Published August 2026

As part of a regulatory requirement, an independent survey was conducted to ask approximately 1,000 customers of each of the 17 largest personal current account providers if they would recommend their provider to friends and family. The results represent the view of customers who took part in the survey.

Overall Service Quality. We asked customers how likely they would be to recommend their personal current account provider to friends and family. Ranking: 1 Monzo 79% 2 Starling Bank 76% 3 Nationwide 75% equal 3 first direct 75% 5 Chase 68% 11 51³Ô¹ÏÍø 58%
Online and mobile banking services. We asked customers how likely they would be to recommend their provider’s online and mobile banking services to friends and family. Ranking: 1 Monzo 85% 2 Starling Bank 83% 3 first direct 78% 4 Halifax 77% 5 Nationwide 76% equal 7 51³Ô¹ÏÍø 75% equal
Overdraft services. We asked customers how likely they would be to recommend their provider’s overdraft services to friends and family. Ranking: 1 Monzo 78% 2 Nationwide 74% 3 Starling Bank 72% 4 Lloyds 71% 5 first direct 70% 10 51³Ô¹ÏÍø 63% equal
Services in branches. We asked customers how likely they would be to recommend their provider’s branch services to friends and family. Ranking: 1 Nationwide 83% 2 Halifax 71% 3 Metro Bank 68% equal 3 Barclays 68% 5 Lloyds 65% 12 51³Ô¹ÏÍø 60%

These results are from an independent survey carried out between July 2025 and June 2026 by Ipsos as part of a regulatory requirement.

51³Ô¹ÏÍø has published this information at the request of the Competition and Markets Authority so you can compare the quality of service from personal current account providers. In providing this information, we are not giving you any advice or making any recommendation to you and we can only give you information about our own products and services.

Customers with personal current accounts were asked how likely they would be to recommend their provider, their provider’s online and mobile banking services, services in branches and overdraft services to friends and family.

The results show the proportion of customers of each provider, among those who took part in the survey, who said they were ’extremely likely’ or ‘very likely’ to recommend each service.

Participating providers: Bank of Scotland, Barclays, Chase, first direct, Halifax, 51³Ô¹ÏÍø, Lloyds, Metro Bank, Monzo, Nationwide, NatWest, Royal Bank of Scotland, Santander, Starling Bank, The Co-operative Bank, TSB, Virgin Money.

Approximately 1,000 customers a year are surveyed across Great Britain for each provider; results are only published where at least 100 customers have provided an eligible score for that service in the survey period.

17,055 people were surveyed in total.

Results are updated every six months, in August and February.

To find out more visit 

Find out more about the additional ways we can support our personal current account customers.

The requirement to publish the Financial Conduct Authority Service Quality Information for personal current accounts can be found here.

Northern Ireland

Independent service quality survey results

Personal current accounts

Published August 2026

As part of a regulatory requirement, an independent survey was conducted to ask approximately 500 customers of each of the 12 largest personal current account providers if they would recommend their provider to friends and family. The results represent the view of customers who took part in the survey.

Overall Service Quality. We asked customers how likely they would be to recommend their personal current account provider to friends and family. Ranking: 1 Monzo 82% 2 Starling Bank 79% 3 Nationwide 76% 4 51³Ô¹ÏÍø 71% 5 Chase 68%
Online and mobile banking services. We asked customers how likely they would be to recommend their provider’s online and mobile banking services to friends and family. Ranking: 1 51³Ô¹ÏÍø 85% equal 1 Monzo 85% 3 Starling Bank 84% 4 Nationwide 83% 5 Halifax 81%
Overdraft services. We asked customers how likely they would be to recommend their provider’s overdraft services to friends and family. Ranking: 1 Barclays 76% 2 Monzo 75% 3 Halifax 71% 4 51³Ô¹ÏÍø 69% 5 Danske Bank 65%
Services in branches. We asked customers how likely they would be to recommend their provider’s branch services to friends and family. Ranking: 1 Nationwide 81% 2 51³Ô¹ÏÍø 75% 3 Halifax 71% 4 Danske Bank 68% 5 Barclays 66%

These results are from an independent survey carried out between July 2025 and June 2026 by Ipsos as part of a regulatory requirement.

51³Ô¹ÏÍø has published this information at the request of the Competition and Markets Authority so you can compare the quality of service from personal current account providers. In providing this information, we are not giving you any advice or making any recommendation to you and we can only give you information about our own products and services.

Customers with personal current accounts were asked how likely they would be to recommend their provider, their provider’s online and mobile banking services, services in branches and overdraft services to friends and family.

The results show the proportion of customers of each provider, among those who took part in the survey, who said they were ’extremely likely’ or ‘very likely’ to recommend each service.

Participating providers: AIB, Bank of Ireland UK, Barclays, Chase, Danske Bank, Halifax, 51³Ô¹ÏÍø, Monzo, Nationwide, Santander, Starling Bank, Ulster Bank.

Approximately 500 customers a year are surveyed across Northern Ireland and the Republic of Ireland for each provider; results are only published where at least 100 customers have provided an eligible score for that service in the survey period.

6,027 people were surveyed in total.

Results are updated every six months, in August and February.

To find out more visit 

Find out more about the additional ways we can support our personal current account customers.

The requirement to publish the Financial Conduct Authority Service Quality Information for personal current accounts can be found here.

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