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.

First Direct - reward worth up to £199

CHOOSE FROM A £150 EXPEDIA VOUCHER, TOP-END TECH OR AN ONLINE COURSE

Eligibility conditions apply

First Direct

First Direct cashback current account 

  • Get a reward worth up to £199 when you use the Current Account Switch Service to switch your current account to first direct through MoneySuperMarket (this will close your old account). T&Cs apply
  • Rewards include a £150 Expedia voucher, Bose Soundlink AE2 over ear wireless headphones, Bose SoundSport wireless headphones with charge case, Bose Soundlink Revolve Bluetooth speaker, Fitbit Charge 2, Amazon Echo Spot or Polaroid camera; or one of 250 online learning and training courses
  • 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
  • Customers must be 18 or over
First Direct

Terms and conditions apply.

Get your deal

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

Customer service rating

Great (91%) Ok (7%) Poor (2%)

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
  • Standing Orders
Great for:
  • Choose from a range of rewards worth up to £150 when you switch - including £150 Expedia voucher, Amazon Echo Spot, Polaroid OneStep 2 i-Type camera. 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 advertised reward
M&S M&S

Current Account

Customer service rating

Great (62%) Ok (29%) Poor (9%)

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 four active direct debits from the account
  • To get the £5 monthly top up, you must pay in at least £1,250 every month, and you must have at least four active direct debits from the account
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

  • Mobile App
  • Online Banking
  • Online Fraud
  • Overdraft Facility
Great for:
  • Get £150 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.
Exclusive

ONLY AVAILABLE VIA MONEYSUPERMARKET AND HSBC. NEW HSBC CUSTOMERS GET £200 WHEN THEY SWITCH AND STAY. T&Cs APPLY. PLEASE SEE PROVIDER SITE FOR FULL DETAILS.

Customer service rating

Great (42%) Ok (39%) Poor (19%)

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:
  • Earn £125 for switching your current account held elsewhere to NatWest by the 3 December 2018. T&Cs apply
  • No monthly fee
  • Our Mobile Banking app was voted as the ‘Best Banking App’ in the British Bank Awards 2018 for two years in a row
But be aware that:
  • You must be 18+ and a UK resident to apply
  • If you have previously taken part in any offer to switch to NatWest for a cash payment (including from Royal Bank between October 2017 and May 2018), you won’t be eligible for this offer. The offer can be withdrawn at any time
  • You must complete a full switch of a non-NatWest account to your eligible account using the Current Account Switch Service, deposit £1,500 into the account and log into online and mobile banking by 7 January 2019

Customer service rating

Great (28%) Ok (43%) Poor (29%)

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:
  • Earn £125 for switching your current account held elsewhere to Royal Bank by the 3 December 2018. T&Cs apply
  • No monthly fee
  • Get a contactless Visa Debit card - make payments under £30 with one tap
But be aware that:
  • You must be 18+ and a UK resident to apply
  • If you have previously taken part in any offer to switch to Royal Bank for a cash payment (including from NatWest between October 2017 and May 2018), you won’t be eligible for this offer. Offer can be withdrawn at any time
  • You must complete a full switch of a non-Royal Bank account to your eligible account using the Current Account Switch Service, deposit £1,500 into the account and log into digital banking or the mobile app by 7 January 2019

 

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