Current accounts with the best customer service

Compare best customer service current accounts

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.

Get £125 for switching your current account to first direct at MoneySuperMarket

  • Earn £125 cashback when you use the full Current Account Switch Service to switch your current account to first direct through MoneySuperMarket, T&Cs apply
  • Cashback exclusive to MoneySuperMarket Group – not available on any other comparison site or on first direct’s website 
  • You must pay in at least £1,000 into this current account within three months of opening. After 6 months, first direct will charge a monthly £10 fee unless the customer pays in a regular £1,000 a month or has another first direct product
  • New first direct customers only
  • Once you have paid in £1,000, the £125 cashback will be credited to your account within 28 working days
  • Customers must be 18 or over
Exclusive

Receive £125 cashback when you switch your current account to first direct. You can't get this offer anywhere else. T&Cs apply

Get up to £185 to spend at M&S

  • Get a £125 M&S gift card when you use the Current Account Switch Service to switch your current account to M&S, including at least 2 active direct debits. T&Cs apply.
  • M&S will also top up your gift card by £5 a month for the first 12 months if you keep at least 2 active direct debits and pay in at least £1,000 a month
  • You'll get an overdraft of at least £500, with the first £100 interest free. After that, overdraft interest is charged at 15.9% EAR variable (subject to status), and there are no overdraft fees 
  • Representative example (assumed overdraft £1,200): 0% EAR variable on the first £100, 15.9% EAR variable thereafter
Switching Gift Card!

Earn up to £185 on an M&S gift card! Receive £125 when you switch and up to £60 when you stay! Conditions apply, see T&Cs

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

Customer service rating

Great (90%) Ok (7%) Poor (3%)

Customer service ratings provided by users of

Overdraft rate (EAR)

Interest rate (AER)

on balances between and

on balances up to

  • Cashback
  • Online Banking
  • Mobile App
  • Standing Orders
Great for:
  • Receive £125 cashback when you switch your current account to first direct. You can't get this offer anywhere else. T&Cs apply
  • You can also open a regular savings account and earn 5% AER
  • Get a £250 interest-free overdraft, subject to status
But be aware that:
  • You must be at least 18 years old to open this account
  • You must pay in at least £1,000 within the first 3 months of opening the account to qualify for the cashback reward
Exclusive

Receive £125 cashback when you switch your current account to first direct. You can't get this offer anywhere else. T&Cs apply

M&S M&S

Current Account

Customer service rating

Great (63%) Ok (25%) Poor (12%)

Customer service ratings provided by users of

Overdraft rate (EAR)

Interest rate (AER)

on balances between and

on balances up to

  • Overdraft Facility
  • Direct Debits
  • Switching Service
  • Online Banking
Great for:
  • Get a £125 M&S gift card when you use the switching service to switch to this current account, plus £5 per month gift card top up for up to 12 months. T&Cs apply
  • You can also open an M&S Monthly Saver account and earn 5% AER
  • Get a £100 interest-free overdraft, with a £50 buffer if you go over your agreed limit, subject to status
But be aware that:
  • You must be at least 18 years old to open this account
  • To get the £125 gift card, you must use the current account switch service, and you must have at least two active direct debits from the account
  • To get the £5 monthly top up, you must pay in at least £1,000 every month, and you must have at least two active direct debits from the account
Switching Gift Card!

Earn up to £185 on an M&S gift card! Receive £125 when you switch and up to £60 when you stay! Conditions apply, see T&Cs

Customer service rating

Great (63%) Ok (30%) Poor (7%)

Customer service ratings provided by users of

Overdraft rate (EAR)

Interest rate (AER)

on balances between and

on balances up to

  • Mobile App
  • Switching Service
  • Overdraft Facility
  • Cashback
Great for:
  • Earn interest of 1.5% AER (variable) on your balance up to £20,000
  • Earn cashback on selected household bills, as long as you pay by direct debit
But be aware that:
  • You'll have to pay a £5 monthly fee
  • You must pay in at least £500 every month
  • You must have at least two active direct debits from this account
2016 SUPERS

Winner of the Best 'Loyalty’ Current Account Provider

TSB TSB

Classic Plus Account

Customer service rating

Great (64%) Ok (27%) Poor (9%)

Customer service ratings provided by users of

Overdraft rate (EAR)

Interest rate (AER)

on balances between and

on balances up to

  • Cashback
  • Direct Debits
  • Mobile App
  • Online Banking
Great for:
  • 3% AER on balances up to £1,500
  • £5 cashback for 20 debit card payments per month and £5 cashback for two different direct debit payments per month. Valid from 8th January 2018. T&Cs apply, ends 31st December 2018
  • If you have a Plus account, earn up to £5 a month cashback with selected TSB credit cards (Representative 18.9% APR variable) . T&Cs apply. Ends 30th June 2018
But be aware that:
  • To earn 3% AER (variable) on balances up to £1,500, credit your account with a min of £500 each month and register for internet banking, paperless statements and correspondence
  • You can only get the monthly cashback if you opened your account on or after 8th January 2018, and if you register for internet banking. T&Cs apply. Offer ends 31st December 2018
  • To earn up to £5 per month credit card Cashback, you need an eligible credit card and the Cashback ends June 2018. Subject to Status and Lending Criteria. Must be 18+ and a UK resident
Santander Santander

123 Lite Current Account

Customer service rating

Great (63%) Ok (30%) Poor (7%)

Customer service ratings provided by users of

Overdraft rate (EAR)

Interest rate (AER)

on balances between and

on balances up to

  • Mobile App
  • Online Banking
  • Overdraft Facility
  • Direct Debits
Great for:
  • Earn cashback on selected household bills, as long as you pay by direct debit
But be aware that:
  • You'll have to pay a £1 monthly fee
  • You must pay in at least £500 every month
  • You must have at least two active direct debits from this account and log on to online or mobile banking at least once every three months
2016 SUPERS

Winner of the Best 'Loyalty’ Current Account Provider

Customer service rating

Great (47%) Ok (39%) Poor (14%)

Customer service ratings provided by users of

Overdraft rate (EAR)

Interest rate (AER)

on balances between and

on balances up to

  • Online Banking
  • Mobile App
  • Switching Service
  • Direct Debits
Great for:
  • Award winning mobile banking - make payments anytime
  • £125 cashback when you apply for this account by 16 February 2018 and complete a full switch of a non-NatWest account
But be aware that:
  • You must make one deposit of at least £1,500 and log into online banking or the mobile app once before 16 March 2018 to qualify for the cashback reward. T&Cs apply
CASHBACK

NEW CUSTOMERS GET £125 WHEN THEY SWITCH. T&Cs APPLY. PLEASE SEE PROVIDER SITE FOR FULL DETAILS

HSBC HSBC

HSBC Advance Bank Account

Customer service rating

Great (42%) Ok (43%) Poor (15%)

Customer service ratings provided by users of

Overdraft rate (EAR)

Interest rate (AER)

on balances between and

on balances up to

  • Online Banking
  • Mobile App
  • Standing Orders
  • Overdraft Facility
Great for:
  • Get £150 & a 6 month interest and fee free overdraft, when you start a full switch, with 2 direct debits or standing orders, to the HSBC Advance Bank Account
  • Receive a further payment of £50 after 12 months when you register for Mobile or Online Banking within 60 days of account opening.
  • Minimum overdraft offer of £1,000 at 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.
  • £1,000 overdraft offer subject to status and meeting HSBCs proof of UK address requirements.
Cashback

New customers get £200 and a 6 month interest and fee free overdraft when they switch and stay. T&Cs apply, please see provider site for full details.

Customer service rating

Great (37%) Ok (42%) Poor (21%)

Customer service ratings provided by users of

Overdraft rate (EAR)

Interest rate (AER)

on balances between and

on balances up to

  • Online Banking
  • Mobile App
  • Switching Service
  • Direct Debits
Great for:
  • Get a £10 buffer on your arranged overdraft, so you won't be charged any fees or interest if you go overdrawn by £10
  • No need to pay in a minimum amount every month
But be aware that:
  • You must be at least 18 years old to open this account

 

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