First Direct is back on top while digital challenger bank Starling has been named a Which? Recommended Provider for the first time, following the latest current account survey from Which? Money.
Every year, we ask thousands of customers to rate their bank or building society to generate the Which? customer score.
We also ask them to score 10 different elements of each banking brand's service, from the handling of complaints to the quality of in-branch and online banking facilities.
In September, 4,216 people told us about their current account providers. Their scores are combined with our expertise to select our Which? Recommended Providers - the brands that offer great products as well as superior customer service.
This year, we have selected four Recommended Providers, all with a customer score over 70% and an above-average product score, based on our analysis of their standard current accounts.
Customers ranked both brands particularly highly for their customer service, communication, transparency of charges and mobile banking.
Neither bank has a presence on the high street (although First Direct can use branches of parent bank HSBC for basic transactions) so customers must use online banking or, in the case of Starling, a to manage their accounts.
However, our final two Recommended Providers suggest that many people still value traditional face-to-face banking, particularly when digital services fail. Official figures show that banks reported the equivalent of between October 2018 and September 2019.
Nationwide (78%) and M&S Bank (76%) both achieved impressive customer scores and have the lowest rates of bank branch closures across the UK, alongside Metro Bank.
Here's how our four Recommended Providers compare:
Customers gave both banks two stars for complaints-handling and branch banking service. With no interest, cashback or other rewards available, Ulster Bank also received a lowly one star for benefits.
Meanwhile,Tesco Bank (60%) has come crashing down the table in this latest survey, landing it second from bottom in our table, having featured in the top six in 2018.
Existing customers saw their - which may explain a two-star rating for account benefits - but the supermarket bank also earned an average three stars for overall customer service, telephone banking, and branch banking (in this case, Tesco Stores that offer a customer service desk).
Monzo customers continue to rave about the digital mobile-only bank. It achieved a customer score of 82% in our latest survey and came third overall.
It also earned five stars for overall customer service, the application process, communication, transparency of charges, and its mobile banking app.
Several major banks are yet to sign up to the voluntary code, including Monzo, although it told us that it's planning to sign up by March 2020.
The APP code forces banks to better protect their customers from bank transfer scams - where a criminal tricks you into sending money to their bank account - and reimburse them if they fall short of these standards.