Independent service quality survey results
Published August 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 July 2024 and June 2025 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.
17,246 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 Monzo 82% 2= Chase 78% 2= Starling Bank 78% 4 First Direct 75% 5 Nationwide 70% 8= 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 87% 2 Starling Bank 84% 3 Chase 83% 4 Halifax 79% 5= First Direct 78% 9 Barclays 76% Overdraft services
Ranking Bank How likely customers would be to recommend their provider's overdraft services to friends and family 1 Monzo 78% 2 Starling Bank 75% 3 Lloyds Bank 72% 4= Nationwide 70% 4= Halifax 70% 10 Barclays 62% Services in branches
Ranking Bank How likely customers would be to recommend their provider's branch services to friends and family 1 Nationwide 76% 2 Halifax 73% 3 Metro Bank 71% 4 Santander 67% 5 Lloyds Bank 65% 7= Barclays 63%
These results are from an independent survey carried out between July 2024 and June 2025 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, Mettle, 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.
20,200 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 Mettle NatWest 82% 3 Starling Bank 81% 4 Handelsbanken 76% 5 Tide 72% 14= Barclays 51% 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 85% 3 Mettle NatWest 83% 4 Tide 75% 5 NatWest 73% 8 Barclays 68% 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 62% 3 Santander 58% 4 Royal Bank of Scotland 56% 5 Lloyds Bank 54% 8 Barclays 48% 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 76% 2 = Mettle NatWest 76% 4 Starling Bank 73% 5 Zempler Bank 66% 16 Barclays 47% 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 73% 2 Metro Bank 66% 3 Virgin Money 55% 4 The Co-operative Bank 53% 5 NatWest 50% 12 Barclays 40%
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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 12 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 July 2024 and June 2025 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, Chase, 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.
6,101 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 Nationwide 78% 3 Starling Bank 76% 4 Chase 71% 5 HSBC 66% 6 Barclays 64% 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 Nationwide
84% 3 Starling Bank 81% 4= Halifax 79% 4= HSBC UK 79% 9 Barclays 74% 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 75% 3 HSBC UK 74% 4 Starling Bank 69% 5 Halifax 67% Services in branches
Ranking Bank How likely customers would be to recommend their provider's branch services to friends and family 1 Nationwide 83% 2 Danske Bank 73% 3 Santander 72% 4 Halifax 71% 5 Barclays 65%
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