Independent service quality survey results

Personal current accounts

Published February 2025

As part of a regulatory requirement, an independent survey was conducted to ask approximately 500 customers of each of the 11 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

1 Monzo 81%, 2 Starling Bank 79%, 3 Nationwide 73%, 4 HSBC UK 66%, 5= Halifax  65%, 11 AIB (NI) 45%

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

1 Monzo 87%, 2 Starling Bank 85%, 3 Nationwide 82%, 4 Halifax 80%, 5 HSBC UK 78%, 11 AIB (NI) 56%

Overdraft Services

We asked customers how likely they would be to recommend their provider’s overdraft services to friends and family.     

 Ranking

AIB offers overdraft services but the results for this service are not displayed as fewer than 100 AIB customer provided an eligible score.

Services in branches

We asked customers how likely they would be to recommend their provider’s branch services to friends and family.     

Ranking

1 Nationwide 78%, 2 Halifax 72%, 3 Santander 70%, 4= HSBC UK 65%, 4= Danske Bank 65%, 9 AIB (NI) 52%

These results are from an independent survey carried out between January 2024 and December 2024 by Ipsos as part of a regulatory requirement

AIB 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: AIB, Bank of Ireland UK, Barclays, Danske Bank, Halifax, HSBC UK, Monzo, Nationwide, Santander, Starling Bank, Ulster Bank.

Approximately 500 customers a year are surveyed across Northern Ireland and the Republic of Ireland for each provider; results are only published where at least 100 customers have provided an eligible score for that service in the survey period. 5,612 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

Results are updated every six months, in August and February.
To find out more visit Ipsos.uk/personal-banking-service-quality

Information about current account services

The requirement to publish the Financial Conduct Authority Service Quality Information results can be found in the Information about personal current account services, and in the Information about business current account services.

Supporting the needs of all our customers

Personal current account customers can view our supporting the needs of all our customers page for the key ways of supporting you when you need us.