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Independent service quality survey results
Personal current accounts
Published February 2026
As part of a regulatory requirement, an independent survey was conducted to ask approximately 1,000 customers of each of the 17 largest personal current account providers if they would recommend their provider to friends and family. The results represent the view of customers who took part in the survey.
Overall service quality
We asked customers how likely they would be to recommend their personal current account provider to friends and family.
Ranking
Online and mobile banking services
We asked customers how likely they would be to recommend their provider’s online and mobile banking services to friends and family.
Ranking
Overdraft services
We asked customers how likely they would be to recommend their provider’s overdraft services to friends and family.
Ranking
Services in branches
We asked customers how likely they would be to recommend their provider’s branch services to friends and family.
Ranking
These results are from an independent survey carried out between January 2025 and December 2025 by Ipsos as part of a regulatory requirement.
Halifax has published this information at the request of the Competition and Markets Authority so you can compare the quality of service from personal current account providers. In providing this information, we are not giving you any advice or making any recommendation to you and we can only give you information about our own products and services.
Customers with personal current accounts were asked how likely they would be to recommend their provider, their provider’s online and mobile banking services, services in branches and overdraft services to friends and family.
The results show the proportion of customers of each provider, among those who took part in the survey, who said they were ‘extremely likely’ or ‘very likely’ to recommend each service.
Participating providers: Bank of Scotland, Barclays, Chase, first direct, Halifax, HSBC UK, Lloyds Bank, Metro Bank, Monzo, Nationwide, NatWest, Royal Bank of Scotland, Santander, Starling Bank, The Co-operative Bank, TSB, Virgin Money.
Approximately 1,000 customers a year are surveyed across Great Britain for each provider; results are only published where at least 100 customers have provided an eligible score for that service in the survey period.
17,051 people were surveyed in total.
Results are updated every six months, in August and February.
To find out more visit Ipsos.uk/personal-banking-service-quality
The requirement to publish the Financial Conduct Authority Service Quality Information for personal current accounts can be found on the Halifax Service Quality Information page.
