Which? Recommends Six UK Banks for 2025 Accounts

A consumer group survey has found that nearly four in 10 current account holders in the UK have remained with the same bank for more than 20 years, yet many may be missing out on better rewards and services available elsewhere. The research, conducted by Which? among over 6,600 account holders in August, evaluated providers based on fees, overdraft terms, charges, perks and customer satisfaction to identify those offering the strongest value.

Six banks earned the Which? Recommended Provider status for 2025: Chase, Danske Bank, First Direct, Monzo, Nationwide Building Society and Starling Bank. This recognition highlights accounts that perform well in both product features and user experience. Chase and Danske Bank received the badge for the first time, while First Direct has held it for more than a decade, making it the longest-standing recipient.

The survey revealed high customer satisfaction scores for the top performers. Starling Bank led with a score of 86 out of 100, earning five stars for online and mobile banking and four stars for customer service. Monzo followed closely at 85, with five stars for mobile banking ease and four for overall service. First Direct and...