Which? campaignWatchdog not Lapdog

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Best RatesStudent bank accounts explored

Are you or your children considering university? We've compared 14 undergraduate, and 8 graduate, bank accounts.

We recently investigated six financial products we think you can do without. Do you have any others to add to our list?

Which? recommended credit card providers
Provider	Which? verdict	Customer score	Find out more
John Lewis/Waitrose	Top-score for customer satisfaction. Good reward scheme, but for 0% deals and a good APR, look elsewhere.	89%	John Lewis/Waitrose
First Direct	A good balance transfer deal but you'll need a First Direct current account to qualify for its credit card.	85%	First Direct
Saga	No foreign loading fee for use abroad and reasonable APR. A good choice for the over-50s.	82%
Co-operative Bank	Popular with members and has a clear ethical stance. Offers a good card for borrowing.	79%	The Co-operative Bank
Marks and Spencers	Excellent 0% deal on new purchases and a popular reward scheme.	78%	Marks and Spencers

Which? recommended car insurers
Provider	Customer score	Which? policy score	Total score
NFU Mutual	84%	79%	81%
LV=	75%	77%	76%
Nationwide BS	65%	80%	73%
John Lewis Insurance	80%	65%	73%
The Co-operative Insurance	73%	70%	72%

Which? recommended home insurers
Provider	Customer score	Building policy score	Content policy score	Total score
NFU Mutual	83%	78%	82%	81%
Hiscox	78%	82%	83%	80%
John Lewis Insurance	78%	81%	82%	80%
Marks & Spencer	70%	75%	83%	74%
LV=	74%	74%	69%	73%

Which? recommended savings account providers
Provider	Which? verdict	Customer score	Find out more
First Direct	Offers a decent fixed rate Isa paying 2.7% and a market-leading regular saver account paying 8%, but many accounts are only open to those with a First Direct current account.	77%	First Direct
Co-operative Bank	Its one, two and three year fixed rate ordinary savings accounts pay competitive rates and its promise to invest money ethically is an attraction for many customers.	68%	Co-operative Bank

Which? recommended bank account providers
Provider	Which? verdict	Customer score	Find out more
First Direct	Owned by HSBC. First Direct will pay £100 if you switch. Customers need to pay £1,500 into their account or will face a monthly £10 fee.	93%	First Direct
Smile	Owned by The Co-operative Group. This is an internet bank with a current account offering a 12-month £500 fee-free overdraft.	88%	Smile
The One Account	Owned by RBS. This bank specialises in accounts which combine your mortgage with your current account.	85%
Co-operative Bank	An account with £200 fee-free overdraft. Its promise to invest money ethically is an attraction to many customers	85%	Co-operative Bank
Nationwide BS	It offers full branch and internet banking facilities, but it recently started charging fees for all debit card transactions abroad.	74%

About Which? relationship with these providers

Wherever we display a "MORE INFO" button in the tables below, that company pays us a small fee each time someone clicks on the button.

These payments do not influence whether a product is in the table, where it appears, or whether it continues to do so.

Our Best Rates tables are compiled by our independent researchers.

All revenue raised from these tables is reinvested in our research and campaigning work on behalf of all UK consumers.

More about this campaign

Great British Savings Scandal

Savers are missing out on £12 billion a year because of miserly banks.
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Our online tool helps you claim back your mis-sold PPI policy.

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