Best RatesStudent bank accounts explored
Are you or your children considering university? We've compared 14 undergraduate, and 8 graduate, bank accounts.
Which? campaignThe Big Switch to cheaper energy
The Big Switch could help you save money on energy bills, by joining people together for a better deal.
Which? Recommended Providers
Credit cards
| 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 |
Car insurance
| Provider | Ease of quote | 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% |
Home insurance
| 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% |
Savings
| 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% |  |
| 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% | |
Bank accounts
| 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% | |
| 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% | |
| 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% | |
| 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.
Act now for better banking
More about this campaign
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Great British Savings Scandal
Savers are missing out on £12 billion a year because of miserly banks.
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Credit card calculator
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Mortgage calculators
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