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 cashback* by switching to a First Direct current account through MoneySuperMarket (Offer ends 3rd July)

  • Exclusive! MoneySuperMarket customers receive £125 cashback for switching to their Current Account to first direct
  • As well as £125 cashback, you'll gain access to existing customer only savings rates of 5% AER/gross fixed for 12 months on first direct's Regular Saver
  • Rated as 'great' for customer service in the MoneySavingExpert.com poll
  • You must fund the account with a minimum of £1,000 per month - conditions apply
*To be eligible you must be a new customer, pay in a minimum of £1000 within 3 months of opening and switch using the automated switching service. Other conditions apply.
Exclusive

Receive £125 cashback when you switch your current account to first direct. You won't find this offer anywhere else. T&Cs apply. Limited offer, ends 3rd July 2017

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:
  • Get £125 cashback when you use the switching service to switch to this current account, for new customers only
  • 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 won't find this offer anywhere else. T&Cs apply. Limited offer, ends 3rd July 2017

Customer service rating

Great (80%) Ok (17%) Poor (3%)

Customer service ratings provided by users of

Overdraft rate (EAR)

Interest rate (AER)

on balances between and

on balances up to

  • Online Banking
  • Overdraft Facility
  • Standing Orders
  • Direct Debits
Great for:
  • Earn cashback on your shopping with Simply Rewards
  • Get an interest-free overdraft for 3 months, subject to status
But be aware that:
  • You must be at least 18 years old to open this account
M&S

Current Account

Customer service rating

Great (68%) Ok (19%) Poor (13%)

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 last £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

Santander

123 Current Account

Customer service rating

Great (65%) Ok (29%) Poor (6%)

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

Classic Plus 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

  • 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 1st March 2017. T&Cs apply, ends 30th June 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 the Classic Plus Account, credit your account with a min of £500 each month, register for internet banking, paperless statements and correspondence
  • You can only get the monthly cashback if you opened your account on or after 1st March 2017, and if you register for internet banking. T&Cs apply. Offer ends 30th June 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
2016 SUPERS

Winner of the Best Overall Provider

Santander

123 Lite Current Account

Customer service rating

Great (51%) Ok (38%) Poor (11%)

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 (51%) Ok (31%) Poor (18%)

Customer service ratings provided by users of

Overdraft rate (EAR)

Interest rate (AER)

on balances between and

on balances up to

  • Online Banking
  • Standing Orders
  • Switching Service
  • Online Fraud
Great for:
  • You could get an overdraft with no arrangement fee, subject to status
  • You can also open a Savings Account Plus and earn interest on your savings
But be aware that:
  • You must be at least 16 years old to open this account, and at least 18 years old to apply for an overdraft

Customer service rating

Great (46%) Ok (36%) Poor (18%)

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 - pay your contacts anytime

 

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