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 

GET A 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.

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 £199 when you switch – including Bose Soundlink AE2 and SoundSport wireless headphones, or a Bose Soundlink Bluetooth speaker – available exclusively when you switch through MoneySuperMarket. 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
SWITCHING REWARDS

SWITCH & GET A GIFT WORTH UP TO £199. CHOOSE FROM: £150 EXPEDIA VOUCHER, BOSE SOUNDLINK MINI II BLUETOOTH SPEAKER, A CHOICE OF BOSE HEADPHONES, FITBIT CHARGE 2 SE, AMAZON ECHO SPOT, POLAROID ONESTEP 2 CAMERA, OR UP TO 250 ONLINE COURSES. T&CS APPLY.

Customer service rating

Great (77%) Ok (18%) Poor (5%)

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
  • Switching Service
Great for:
  • 5% introductory interest rate on balances up to £2,500, for the first 12 months
  • Fee-free agreed overdraft for the first 12 months
  • No account fee
But be aware that:
  • You'll need to pay in at least £1,000 each month and be in credit to receive any interest
  • After the first 12 months the interest rate on balances up to £2,500 reverts to 1% AER
  • After the first 12 months the fee-free overdraft will end and you'll be charged 50p a day on balances over £10 with an agreed overdraft
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 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

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 & 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.
Exclusive

NEW CUSTOMERS GET £200 WHEN THEY SWITCH AND STAY. PLUS AN INTEREST AND FEE-FREE OVERDRAFT FOR SIX MONTHS. 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:
  • Access to emergency cash if your card is lost or stolen
  • Easy-to-use mobile banking app
  • Option to apply for an overdraft
But be aware that:
  • You must be 18+ and a UK resident to apply

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:
  • Access to emergency cash if your card is lost or stolen
  • Easy-to-use award winning mobile banking app
  • Option to apply for an overdraft
But be aware that:
  • You must be 18+ and a UK resident to apply

 

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