The consumer rights group analysed product features including fees, overdrafts, charges and perks, plus it also spoke to over 6,600 customers to see how satisfied they are
Which? has revealed its top current account providers as it urged millions of customers to consider switching.
The consumer rights group analysed product features including fees, overdrafts, charges and perks for its latest survey. It also spoke to over 6,600 customers to see how satisfied they are with their current account.
A total of six providers were awarded Which? Recommended Provider (WRP) status, including Chase, Danske Bank, First Direct, Monzo, Nationwide and Starling.
Starling was top of the table with a customer score of 86% and achieved its seventh WRP badge. It scored a full five star rating for both online and mobile banking, and four stars for customer service.
Monzo had a customer score of 85% and was given five stars for ease of mobile banking, and four stars for overall customer service.
First Direct achieved a customer score of 84% and is now the longest running current account WRP, holding the award for over a decade.
This year, it was awarded five stars for overall customer service and for online, mobile and telephone banking, and four for ease of contacting customer services.
Also tied on 84% is Nationwide, which received four stars for its in-branch service, and five for online banking.
Chase, a digital bank owned by JPMorgan, secured an 82% customer score. It received five stars for its mobile app and four stars in categories including customer service, ease of applying, and telephone banking.
Danske Bank meanwhile received a customer score of 80% and received mostly four star ratings, including for overall customer service and online banking.
Allied Irish Bank narrowly missed out on becoming a WRP despite having a customer score of 85%. Revolut also scored highly (83%) but wasn’t named a WRP as it still operates as an e-money provider in the UK which means customers are not covered by the Financial Services Compensation Scheme.
Despite several banks launching new current accounts in recent years, a new Which? survey of over 6,600 current account holders has revealed that nearly four in 10 people (37%) have stayed loyal to the same provider for over 20 years.
TSB was bottom of the table with a customer score of 67%. It received two stars in multiple categories like customer service and telephone banking, but secured four stars for online and mobile banking.
Just ahead of TSB in the table were Virgin Money, Santander and Halifax, all tied on 71%.
Sam Richardson, Deputy Editor of Which? Money, said: “Banks are not all the same and our analysis proves this. Perks like fee-free spending abroad and instant spending notifications are becoming normalised, while cash back, loyalty payments and switching bonuses can earn you hundreds of pounds.
“If you’re one of the millions of people who have stayed loyal to a bank for years for little in return, now may be the perfect time to switch to one of our Which? Recommended Providers.
“The process is quick and easy, with even your direct debits transferred over, hassle-free.”
A spokesperson for TSB said: “We take our customer service very seriously, and are proud to offer a full range of banking services to meet the needs of our customers; from our branch network to our well-rated digital services.”
A Virgin Money spokesperson said: “We’re pleased that customers of our award-winning current account have highly rated both our mobile banking app and online banking service.
“We remain committed to improving service for our customers. We have recruited over 350 new customer service colleagues since 2024, meaning that we now answer 98% of calls within 30 seconds, and we have also expanded our branch promise meaning every Virgin Money branch will remain open until at least the start of 2030.”
The Mirror approached Santander and Halifax for comment.
