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Revealed: The best and worst current account providers

First Direct top, Santander bottom in new survey

First Direct

First Direct – top current account provider in our latest customer satisfaction survey

First Direct leads the way as the leading current account provider with an impressive 92% customer satisfaction score

In our latest current account satisfaction survey of more than 13,000 Which? members, First Direct was once again the clear winner. 

The internet bank was particularly praised for the way it handled problems, the accuracy of statements and for the quality of both its online and telephone services.

Which? current account winners and losers

Smile (87%), the One Account (87%), the Co-Operative Bank (86%) and Nationwide Building Society (71%) also stand out from the crowd as our Which? Recommended Providers.

Once again, Santander languishes at the bottom of the pile with a customer score of just 39%, some distance behind the 60% average score. The banking giant received the lowest mark for resolving problems – no other provider even got close to its one star rating in this category.

Are you happy with your bank account provider?

Our survey found that nearly nine in ten are generally satisfied with their main current account provider. Six in ten told us they’ve had the same current account for more than 20 years. But is this down to customer loyalty or inertia? 

We found that 70% of those dissatisfied with their current account have considered changing but haven’t done so. Barclays, for example, is ranked third from bottom in our satisfaction table with a customer score of 52% – and yet 88% of members with a Barclays current account have had it for more than 20 years.

If your provider features in our table with a below average customer score, you don’t have to put up with it. Switch your account today and receive a better quality service. 

Best Rate current accounts

To find the best current account for you, check out Which? current account reviews. Whether you’re looking for the best account for credit interest or the best for overdrafts, we find the best deals and show which banks are best for customer service.

If you’re not sure how the switching process works, read the Which? guide Switching your bank account.

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