Independent service quality survey results

Personal current accounts

Published February 2024

As part of a regulatory requirement, an independent survey was conducted to ask approximately 1,000 customers of each of the 16 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.

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These results are from an independent survey carried out between January 2023 and December 2023 by Ipsos MORI as part of a regulatory requirement.

The Co-operative Bank have 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, first direct, Halifax, HSBC UK, Lloyds Bank, Metro Bank, Monzo, Nationwide, NatWest, Royal Bank of Scotland, Santander, Starling Bank, The Co-operative Bank, TSB and 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.

16,088 people were surveyed in total.

Results are updated every six months, in August and February.

To find out more visit

The requirement to publish the Financial Conduct Authority Service Quality Information for personal current accounts can be found on our personal current account service quality information page.

The requirement to publish how we support our personal current account customers can be found on our supporting the needs of all of our customers page.

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