The winners and losers of the UK's current account rankings are listed

Monzo was named the best bank in the UK for customer satisfaction, but how does your bank stack up against the other current account providers?

The Competition and Markets Authority (CMA) has identified Monzo, Starling, and Nationwide Building Society as the leading banks.

In the end, most people will choose a bank that comes from a reliable friend, regardless of whether it offers the best current account services, savings accounts, or a switching incentive. Current account and business account providers were ranked from best to worst in the most recent customer satisfaction survey conducted by the CMA.

Customers were most likely to recommend Monzo, Starling, and Nationwide Building Society to friends and family when it came to personal current account providers in Britain.

Eighty-two percent of Monzo's customers who responded to the survey said they would suggest the bank to others, compared to 77 and 75 percent for Starling and Nationwide, respectively.

With only 49% of consumers stating they would suggest the bank to friends and family, the Royal Bank of Scotland ranked last on the list.

For business accounts, Monzo was voted the best bank by British consumers, with 85% of respondents stating they would suggest the service.

With 83 percent and 81 percent of their respective business clients stating that they would recommend the banks, Mettle and Starling Bank ranked second and third in this category.

Monzo has been ranked as the best provider for personal current account holders for the eleventh consecutive year, according to the most recent survey results. 2018 saw the beginning of the surveys' publication.

"We are immensely proud of our achievement of being named the UK's Most Recommended Provider once again, as it comes directly from our customers," stated Karen Tiltman, general manager of UK Operations at Monzo.

The winners were the top UK banks.

Between January 2025 and December 2025, market research company Ipsos polled about 1,000 consumers across the 17 largest current account providers in the UK to determine the top and worst personal current account providers.

Over the same time period, about 1,200 clients of the top 17 business bank account providers were also polled.

The top British current account providers.

1. . Monzo.

2. Starling.

3. . countrywide.

The top Northern Ireland current account providers.

1. . A monzo.

2. All across the country.

3. . Starling.

Britain's top providers of business accounts.

1. . Monzo.

2. Mettle.

3. Starling.

Northern Ireland's top suppliers of business accounts.

1. . The Santander.

2. Denmark Bank.

3. . Ulster Bank.

The best banks in the UK lose.

In both business and personal current accounts, these are the providers with the lowest rankings.

UK's worst current account providers.

1. . A division of the NatWest Group is the Royal Bank of Scotland.

2. . Virgin Bank.

3. . The bank that is cooperative.

Northern Ireland's worst current account suppliers.

1. . The AIB.

2. . UK's Bank of Ireland.

3. Bank Ulster.

The worst British business account providers.

1. Barclays. .

2. The Bank of Scotland.

3. The Bank for Cooperation.

Northern Ireland's worst business account providers.

1. . Irish Bank UK.

2. The AIB.

According to a Virgin Money representative, the company's branch service score has improved in the most recent Ipsos surveys. "We are focused on continuing to invest in better experiences for our customers as we recognize there is still more to do," the statement continued.

"We're still working hard to make sure that every part of our customer experience is better," a representative for the Royal Bank of Scotland stated.

"Simplifying and improving the consistency of the service we provide is our top priority, and we will continue to work hard to improve the experience our customers receive," a Barclays spokesperson stated.

"We are thankful to our customers for sharing their opinions, and we are dedicated to making sure they have the best experience possible," stated an AIB representative.

The Co-operative Bank, Ulster Bank, Bank of Scotland, and Bank of Ireland UK were contacted by BFIA for comment.

The best current account selection guide.

Your goals will determine which kind of current account is best for you.

If the majority of your daily expenses are paid for with your current account, it might be worthwhile to open one where you can receive cashback.

For individuals who want to increase their savings, it might be worthwhile to open a particular current account that grants access to a high-interest savings account.

Additionally, some current accounts provide generous switching bonuses.