Current accounts with the best customer service

Most of us rely on our current accounts on a daily basis and, because of this, the customer service we receive from our bank or building society – whether it’s in a branch, on the telephone or even over email – is especially important. Here’s our list of current account providers that are well-recognised for looking after their customers.

Current accounts with the best customer service score - Ordered by Money Saving Expert Customer Service Scores

    • Provider/Product name 1st Account

      1st Account

    • Customer Service Rating
      Great
      91%
      OK
      6%
      Poor
      3%
    • Overdraft Rate (EAR) Interest free on the first £250
    • Interest Rate (AER) 0.00%
    • Go to site

      Phone

      More details

    Cashback

    Receive £100 cashback when you switch your current account to first direct- T&Cs apply

    Great for
    Receive £100 cashback and access to £250 interest free overdraft when you switch your current account to first direct – overdraft subject to status
    Earn a market leading 6% interest from first direct’s regular saver and gain access to preferential products available to first direct customers only
    But be aware that
    Minimum monthly funding of £1,000
    No interest paid on balances in credit
  1. Great for
    Free Multi-trip travel insurance
    Dedicated switching service to personally manage your account opening
    But be aware that
    Minimum monthly funding of £750 to qualify for the travel insurance
    • Provider/Product name 123 Current Account

      123 Current Account

    • Customer Service Rating
      Great
      76%
      OK
      21%
      Poor
      3%
    • Overdraft Rate (EAR) 0% 1st 4 months if you switch
    • Interest Rate (AER) 3.00% on balances between £3000 and £20000
    • Go to site

      Phone

      More details

    2016 SUPERS

    Winner of the Best 'Loyalty’ Current Account Provider

    Great for
    Monthly cashback on selected household bills
    Monthly interest of 3% AER (variable) payable on your entire balance up to £20,000, when you have at least £3,000 in your account
    But be aware that
    A £5 account fee will be taken from your account each month
    Rate of interest will be reduced to 1.50% from November 1st 2016
  2. Cashback

    £150 Cashback when you switch your Current Account to the Co-operative Bank- T&Cs apply.

    Great for
    Receive £150 Cashback when you switch your Current Account to the Co-operative Bank. Subject to status and qualifying criteria
    The Co-op current account and £150 switch offer are subject to status and qualifying criteria. £150 offer requires a full switch with 4+ active Direct Debits to a qualifying current account.
    But be aware that
    £150 Cashback offer excludes existing customers paying in £800+ per month from 03/02/16 to 03/05/16 and any recipients of previous switching incentives. Offer can be withdrawn at any time. Terms apply
    This account is available to EU residents aged 16 or over. Overdrafts are only available to account holders 18 or over. Subject to status.

    Representative Example:

    The advance of credit of £1,200 at an interest rate of 18.9% EAR variable per annum.

  3. Switching Gift Card!

    Earn up to £220 on an M&S gift card! Receive £100 when you switch and up to £120 when you stay! Conditions apply, see T&Cs

    Great for
    Switch to M&S and earn £100 on an M&S gift card plus £10 gift card top up per month for up to 12 months. See T&Cs
    Access to the 6% AER high interest rate M&S Monthly Saver account. See T&Cs
    But be aware that
    To qualify for the £100 gift card you must use the Current Account Switch Service and have two active direct debits
    To qualify for a £10 monthly top up on your gift card you must have two active direct debits and a minimum monthly funding of £1,000

    Representative Example:

    0% EAR variable on the first £100. 15.9% EAR variable thereafter.

  4. Great for
    Award winning mobile banking - pay your contacts anytime
  5. Great for
    Award winning mobile banking - pay your contacts anytime
  6. Cashback

    New HSBC current account customers get £200 & a 6 month interest and fee free overdraft when they switch and stay - T&Cs apply

    Great for
    Get £150 & a 6 month interest and fee free overdraft when you complete a full switch, with 2 direct debits or standing orders, to the HSBC Advance Bank Account using the Current Account Switch Service
    Receive a further payment of £50 after 12 months when you register for Mobile or Online Banking within 60 days of account opening
    But be aware that
    HSBC Advance Bank Account requires minimum monthly funding of £1,750. You must continue to meet account eligibility criteria in order to receive the further payment
    If you are an existing HSBC current account customer, unfortunately you are not eligible for the available cash back

    Representative Example:

    If you use an overdraft of £1,200 on an HSBC Advance Bank Account, the overdraft rate we will charge is 17.9% EAR (variable). If you switch to the HSBC Advance Bank Account using the Current Account Switch Service, your rate will be 0% for the first 6 months.

    EAR is Effective Annual Rate. This takes account of the interest rate and how often interest is charged,and does not include any other fees or charges

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