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 up to £170 to spend at M&S

  • Get a £50 M&S gift card when you use the Current Account Switch Service to switch your current account to M&S, including at least 2 direct debits. T&Cs apply.
  • M&S will also top up your gift card by £5 a month for the first 24 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 £170 on an M&S gift card! Receive £50 when you switch and up to £120 when you stay! Conditions apply, see T&Cs

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

first direct

1st Account

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 £100 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 every month
Cashback

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

Customer service rating

Great (79%) Ok (17%) Poor (4%)

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:
  • Dedicated switching service to personally manage your account opening
But be aware that:
  • Overdrafts are subject to approval
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

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

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:
  • Earn 3% AER on your balance up to £1,500
  • Earn £5 cashback every month for having two direct debit
  • Earn another £5 cashback every month if you spend at least 20 times a month on your debit card, including Apple and Android Pay
But be aware that:
  • To earn interest on your balance, you must pay in at least £500 every month, and register for internet banking and 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
  • You must be at least 18 years old to open this account
2016 SUPERS

Best Overall provider

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 £50 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 24 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 £50 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 £170 on an M&S gift card! Receive £50 when you switch and up to £120 when you stay! Conditions apply, see T&Cs

Customer service rating

Great (43%) Ok (39%) 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:
  • 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
NatWest

Select Account

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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