Bank accounts: Which? Recommended Providers

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Which? Recommended Providers are companies that are both rated highly by the respondents of our unique customer survey, and have products that meet the high standards of our researchers.

Which? Recommended Providers must:

  • To feature as a Recommended Provider, a company must have achieved a top score (at least 70%) in our latest customer satisfaction survey.
  • Providers must also have at least one top 10 bank account for either credit interest, overdrafts, or current account mortgages.
  • Providers must be fully covered by the UK Financial Services Compensation Scheme (FSCS) and FCA Banking Standards regime to be included.
  • Which? Recommended Providers of bank accounts must offer a free debit card, free direct debits and free withdrawals from UK cash machines, and accounts must be available nationally. 


Which? Recommended bank account providers
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ProviderWhich? verdictCustomer
Average score of all current account providers rated by Which? Money62%

First Direct

Owned by HSBC. First Direct will pay £125 if you switch. Customers need to pay £1,000 into their account or will face a monthly £10 fee.82%

Customer scores are based on a survey of an online panel of respondents from the general public, who were invited to take part in the bank account customer satisfaction survey - during January 2016. The final sample size was 5,939.


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Which? Limited (registered in England and Wales number 00677665) is an Introducer Appointed Representative of Which? Financial Services Limited (registered in England and Wales number 07239342). Which? Financial Services Limited is authorised and regulated by the Financial Conduct Authority (FRN 527029). Which? Mortgage Advisers and Which? Money Compare are trading names of Which? Financial Services Limited. Registered office: 2 Marylebone Road, London NW1 4DF.