Independent service quality survey results
Published February 2025
Personal current accounts
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Great Britain
As part of a regulatory requirement, an independent survey was conducted to ask approximately 1,000 customers of each of the 17 largest personal current account providers if they would recommend their provider to friends and family. The results represent the view of customers who took part in the survey.
These results are from an independent survey carried out between January 2024 and December 2024 by Ipsos as part of a regulatory requirement.
Barclays has published this information at the request of the Competition and Markets Authority so you can compare the quality of service from personal current account providers. In providing this information, we're not giving you any advice or making any recommendation to you and we can only give you information about our own products and services.
Customers with personal current accounts were asked how likely they would be to recommend their provider, their provider’s online and mobile banking services, services in branches and overdraft services to friends and family.
The results show the proportion of customers of each provider, among those who took part in the survey, who said they were ‘extremely likely’ or ‘very likely’ to recommend each service.
Participating providers: Bank of Scotland, Barclays, Chase, first direct, Halifax, HSBC UK, Lloyds Bank, Metro Bank, Monzo, Nationwide, NatWest, Royal Bank of Scotland, Santander, Starling Bank, The Co-operative Bank, TSB and Virgin Money.
Approximately 1,000 customers a year are surveyed across Great Britain for each provider; results are only published where at least 100 customers have provided an eligible score for that service in the survey period.
17,234 people were surveyed in total.
Results are updated every six months, in August and February.
To find out more visit Ipsos.uk/personal-banking-service-quality
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Overall service quality
Ranking Bank How likely customers would be to recommend their personal current account provider to friends and family 1 Chase 81% 2 Monzo 80% 3 Starling Bank 79% 4 First Direct 75% 5 Nationwide 69% 10 Barclays 63% Online and mobile services
Ranking Bank How likely customers would be to recommend their provider's online and mobile banking services to friends and family 1 Monzo 86% 2 Chase 85% 3 Starling Bank 84% 4= First Direct 79% 4= Halifax 79% 9 Barclays 75% Overdraft services
Ranking Bank How likely customers would be to recommend their provider's overdraft services to friends and family 1 Monzo 77% 2 Starling Bank 74% 3 Lloyds Bank 73% 4 Halifax 71% 5 First Direct 69% 12 Barclays 58% Services in branches
Ranking Bank How likely customers would be to recommend their provider's branch services to friends and family 1 Nationwide 78% 2 MetroBank 71% 3 Halifax 70% 4 Lloyds Bank 69% 5 Bank of Scotland 67% 9 Barclays 61%
These results are from an independent survey carried out between January 2024 and December 2024 by BVA-BDRC as part of a regulatory requirement.
Barclays have published this information at the request of the Competition and Markets Authority so you can compare the quality of service from business current account providers. In providing this information, we are not giving you any advice or making any recommendation to you and we can only give you information about our own products and services.
SME customers with business current accounts were asked how likely they would be to recommend their provider, their provider’s online and mobile banking services, services in branches and business centres, SME overdraft and loan services and relationship/account management services to other SMEs.
The results show the proportion of customers of each provider who said they were ’extremely likely’ or ‘very likely’ to recommend each service.
Participating providers: Bank of Scotland, Barclays, Handelsbanken, HSBC UK, Lloyds Bank, Metro Bank, Monzo, NatWest, Royal Bank of Scotland, Santander, Starling Bank, The Co-Operative Bank, Tide, TSB, Virgin Money, Zempler Bank.
Approximately 1,200 customers a year are surveyed across Great Britain for each provider; results are only published where at least 100 customers have provided an eligible score for that service in the survey period.
19,150 people were surveyed in total.
Results are updated every six months, in August and February.
*SMEs include businesses, clubs, charities and societies with an annual turnover/income of up to £25m (exclusive of VAT and other turnover-related taxes).
To find out more visit www.BVA-BDRC.com/business-banking-service-quality
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Overall service quality
Ranking Bank How likely customers would be to recommend their business current account provider to other SMEs 1 Monzo 85% 2 Starling Bank
82% 3 Handelsbanken 77% 4 Tide 75% 5 Zempler Bank 69% 12= Barclays 53% Online and mobile banking services
Ranking Bank How likely customers would be to recommend their provider's online and mobile banking services 1 Monzo 88% 2 Starling Bank 86% 3 Tide 77% 4 Zempler Bank 75% 5 = NatWest 70% 9 = Barclays 66% SME overdraft and loan services
Ranking Bank How likely customers woulf br to recommend their provider's SME overdraft and loan services to other SMEs 1 Handelsbanken 68% 2 Metro Bank 61% 3 Santander 60% 4 Virgin Money 58% 5= Tide 56% 10 Barclays 47% Relationship/account management
Ranking Bank How likely customers would be to recommend their provider's relationship/account management to other SMEs 1 Handelsbanken 85% 2 Monzo 77% 3 Starling Bank 76% 4 = Tide 65% 4 = Zempler Bank 65% 15 Barclays 51% Services in brances and business centres
Ranking Bank How likely customers would be to recommend their provider's branch and business centre services to other SMEs 1 Handelsbanken 72% 2 Metro Bank 69% 3 Lloyds Bank 56% 4 Virgin Money 54% 5 Bank of Scotland 52% 12 Barclays 41%
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Northern Ireland
As part of a regulatory requirement, an independent survey was conducted to ask approximately 500 customers of each of the 11 largest personal current account providers if they would recommend their provider to friends and family. The results represent the view of customers who took part in the survey.
These results are from an independent survey carried out between January 2024 and December 2024 by Ipsos as part of a regulatory requirement.
Barclays has published this information at the request of the Competition and Markets Authority so you can compare the quality of service from personal current account providers. In providing this information, we are not giving you any advice or making any recommendation to you and we can only give you information about our own products and services.
Customers with personal current accounts were asked how likely they would be to recommend their provider, their provider’s online and mobile banking services, services in branches and overdraft services to friends and family.
The results show the proportion of customers of each provider, among those who took part in the survey, who said that they were ‘extremely likely’ or ‘very likely’ to recommend each service.
Participating providers:AIB, Bank of Ireland UK, Barclays, Danske Bank, Halifax, HSBC UK, Monzo, Nationwide, Santander, Starling Bank and Ulster Bank
Approximately 500 customers a year are surveyed across Northern Ireland and the Republic of Ireland for each provider; results are only published where at least 100 customers have provided an eligible score for that service in the survey period.
5,612 people were surveyed in total.
Results are updated every six months, in August and February.
To find out more visit Ipsos.uk/personal-banking-service-quality
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Overall services quality
Ranking Bank How likely customers would be to recommend their personal current account provider to friends and family 1 Monzo 81% 2 Starling Bank
79% 3 Nationwide 73% 4 HSBC UK 66% 5= Halifax 65% 5= Barclays 65% Online and mobile banking services
Ranking Bank How likely customers would be to recommend their provider's online and mobile banking services to friends and family 1 Monzo 87% 2 Starling Bank
85% 3 Nationwide 82% 4 Halifax 80% 5 HSBC UK 78% 6 Barclays 77% Overdraft services
Ranking Bank How likely customers would be to recommend their provider's overdraft services to friends and family 1 Monzo 78% 2 Barclays 74% 3= Santander 72% 3= Nationwide 72% 5 HSBC UK 71% Services in branches
Ranking Bank How likely customers would be to recommend their provider's branch services to friends and family 1 Nationwide 78% 2 Halifax 72% 3 Santander 70% 4= HSBC UK 65% 4= Danske Bank 65% 6 Barclays 63%
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