How do you rate your bank account's service?

4 August 2013

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We run this poll on big banks' current accounts every six months to see how the experience changes. We’d love your feedback. Please vote based on CUSTOMER SERVICE for your main CURRENT account over the last SIX MONTHS. Please ignore rates or any other products, or service from before six months ago.

We run this poll on big banks' current accounts every six months to see how the experience changes. We’d love your feedback.

Please vote based on CUSTOMER SERVICE for your main CURRENT account over the last SIX MONTHS. Please ignore rates or any other products, or service from before six months ago.

Results

Bank of Scotland (160 votes)

I'm usually in-credit – POOR service in last 6 months		26 votes (16%)
I'm usually in-credit – OK service in last 6 months		61 votes (38%)
I'm usually in-credit – GREAT service in last 6 months		57 votes (36%)
I'm usually overdrawn – POOR service in last 6 months		7 votes (4%)
I'm usually overdrawn – OK service in last 6 months		8 votes (5%)
I'm usually overdrawn – GREAT service in last 6 months		1 votes (1%)

Barclays Bank (656 votes)

I'm usually in-credit – POOR service in last 6 months		62 votes (9%)
I'm usually in-credit – OK service in last 6 months		233 votes (36%)
I'm usually in-credit – GREAT service in last 6 months		280 votes (43%)
I'm usually overdrawn – POOR service in last 6 months		20 votes (3%)
I'm usually overdrawn – OK service in last 6 months		28 votes (4%)
I'm usually overdrawn – GREAT service in last 6 months		33 votes (5%)

Cahoot (43 votes)

I'm usually in-credit – POOR service in last 6 months		0 votes (0%)
I'm usually in-credit – OK service in last 6 months		13 votes (30%)
I'm usually in-credit – GREAT service in last 6 months		27 votes (63%)
I'm usually overdrawn – POOR service in last 6 months		0 votes (0%)
I'm usually overdrawn – OK service in last 6 months		0 votes (0%)
I'm usually overdrawn – GREAT service in last 6 months		3 votes (7%)

Co-op Bank (447 votes)

I'm usually in-credit – POOR service in last 6 months		23 votes (5%)
I'm usually in-credit – OK service in last 6 months		82 votes (18%)
I'm usually in-credit – GREAT service in last 6 months		312 votes (70%)
I'm usually overdrawn – POOR service in last 6 months		5 votes (1%)
I'm usually overdrawn – OK service in last 6 months		5 votes (1%)
I'm usually overdrawn – GREAT service in last 6 months		20 votes (4%)

First Direct (1191 votes)

I'm usually in-credit – POOR service in last 6 months		13 votes (1%)
I'm usually in-credit – OK service in last 6 months		50 votes (4%)
I'm usually in-credit – GREAT service in last 6 months		1007 votes (85%)
I'm usually overdrawn – POOR service in last 6 months		3 votes (0%)
I'm usually overdrawn – OK service in last 6 months		16 votes (1%)
I'm usually overdrawn – GREAT service in last 6 months		102 votes (9%)

Halifax Reward account ONLY – other Halifax below (598 votes)

I'm usually in-credit – POOR service in last 6 months		37 votes (6%)
I'm usually in-credit – OK service in last 6 months		189 votes (32%)
I'm usually in-credit – GREAT service in last 6 months		326 votes (55%)
I'm usually overdrawn – POOR service in last 6 months		15 votes (3%)
I'm usually overdrawn – OK service in last 6 months		21 votes (4%)
I'm usually overdrawn – GREAT service in last 6 months		10 votes (2%)

Halifax accounts – excluding the Reward account (165 votes)

I'm usually in-credit – POOR service in last 6 months		22 votes (13%)
I'm usually in-credit – OK service in last 6 months		63 votes (38%)
I'm usually in-credit – GREAT service in last 6 months		63 votes (38%)
I'm usually overdrawn – POOR service in last 6 months		6 votes (4%)
I'm usually overdrawn – OK service in last 6 months		7 votes (4%)
I'm usually overdrawn – GREAT service in last 6 months		4 votes (2%)

HSBC (553 votes)

I'm usually in-credit – POOR service in last 6 months		54 votes (10%)
I'm usually in-credit – OK service in last 6 months		210 votes (38%)
I'm usually in-credit – GREAT service in last 6 months		211 votes (38%)
I'm usually overdrawn – POOR service in last 6 months		27 votes (5%)
I'm usually overdrawn – OK service in last 6 months		21 votes (4%)
I'm usually overdrawn – GREAT service in last 6 months		30 votes (5%)

Lloyds TSB (827 votes)

I'm usually in-credit – POOR service in last 6 months		78 votes (9%)
I'm usually in-credit – OK service in last 6 months		290 votes (35%)
I'm usually in-credit – GREAT service in last 6 months		362 votes (44%)
I'm usually overdrawn – POOR service in last 6 months		28 votes (3%)
I'm usually overdrawn – OK service in last 6 months		41 votes (5%)
I'm usually overdrawn – GREAT service in last 6 months		28 votes (3%)

M&S Bank (11 votes)

I'm usually in-credit – POOR service in last 6 months		2 votes (18%)
I'm usually in-credit – OK service in last 6 months		2 votes (18%)
I'm usually in-credit – GREAT service in last 6 months		6 votes (55%)
I'm usually overdrawn – POOR service in last 6 months		0 votes (0%)
I'm usually overdrawn – OK service in last 6 months		0 votes (0%)
I'm usually overdrawn – GREAT service in last 6 months		1 votes (9%)

Metro Bank (17 votes)

I'm usually in-credit – POOR service in last 6 months		2 votes (12%)
I'm usually in-credit – OK service in last 6 months		1 votes (6%)
I'm usually in-credit – GREAT service in last 6 months		14 votes (82%)
I'm usually overdrawn – POOR service in last 6 months		0 votes (0%)
I'm usually overdrawn – OK service in last 6 months		0 votes (0%)
I'm usually overdrawn – GREAT service in last 6 months		0 votes (0%)

Nationwide (1002 votes)

I'm usually in-credit – POOR service in last 6 months		38 votes (4%)
I'm usually in-credit – OK service in last 6 months		201 votes (20%)
I'm usually in-credit – GREAT service in last 6 months		673 votes (67%)
I'm usually overdrawn – POOR service in last 6 months		17 votes (2%)
I'm usually overdrawn – OK service in last 6 months		16 votes (2%)
I'm usually overdrawn – GREAT service in last 6 months		57 votes (6%)

NatWest/Royal Bank Of Scotland (871 votes)

I'm usually in-credit – POOR service in last 6 months		91 votes (10%)
I'm usually in-credit – OK service in last 6 months		295 votes (34%)
I'm usually in-credit – GREAT service in last 6 months		362 votes (42%)
I'm usually overdrawn – POOR service in last 6 months		28 votes (3%)
I'm usually overdrawn – OK service in last 6 months		42 votes (5%)
I'm usually overdrawn – GREAT service in last 6 months		53 votes (6%)

Santander 123 account ONLY - other Santander below (872 votes)

I'm usually in-credit – POOR service in last 6 months		41 votes (5%)
I'm usually in-credit – OK service in last 6 months		160 votes (18%)
I'm usually in-credit – GREAT service in last 6 months		635 votes (73%)
I'm usually overdrawn – POOR service in last 6 months		5 votes (1%)
I'm usually overdrawn – OK service in last 6 months		11 votes (1%)
I'm usually overdrawn – GREAT service in last 6 months		20 votes (2%)

Santander accounts - EXCLUDING Santander 123 (411 votes)

I'm usually in-credit – POOR service in last 6 months		71 votes (17%)
I'm usually in-credit – OK service in last 6 months		147 votes (36%)
I'm usually in-credit – GREAT service in last 6 months		124 votes (30%)
I'm usually overdrawn – POOR service in last 6 months		22 votes (5%)
I'm usually overdrawn – OK service in last 6 months		27 votes (7%)
I'm usually overdrawn – GREAT service in last 6 months		20 votes (5%)

Smile (206 votes)

I'm usually in-credit – POOR service in last 6 months		9 votes (4%)
I'm usually in-credit – OK service in last 6 months		30 votes (15%)
I'm usually in-credit – GREAT service in last 6 months		145 votes (70%)
I'm usually overdrawn – POOR service in last 6 months		2 votes (1%)
I'm usually overdrawn – OK service in last 6 months		3 votes (1%)
I'm usually overdrawn – GREAT service in last 6 months		17 votes (8%)

Think Money (22 votes)

I'm usually in-credit – POOR service in last 6 months		2 votes (9%)
I'm usually in-credit – OK service in last 6 months		0 votes (0%)
I'm usually in-credit – GREAT service in last 6 months		19 votes (86%)
I'm usually overdrawn – POOR service in last 6 months		0 votes (0%)
I'm usually overdrawn – OK service in last 6 months		1 votes (5%)
I'm usually overdrawn – GREAT service in last 6 months		0 votes (0%)

Ulster Bank (31 votes)

I'm usually in-credit – POOR service in last 6 months		6 votes (19%)
I'm usually in-credit – OK service in last 6 months		9 votes (29%)
I'm usually in-credit – GREAT service in last 6 months		9 votes (29%)
I'm usually overdrawn – POOR service in last 6 months		4 votes (13%)
I'm usually overdrawn – OK service in last 6 months		0 votes (0%)
I'm usually overdrawn – GREAT service in last 6 months		3 votes (10%)

Yorkshire/Clydesdale (168 votes)

I'm usually in-credit – POOR service in last 6 months		12 votes (7%)
I'm usually in-credit – OK service in last 6 months		61 votes (36%)
I'm usually in-credit – GREAT service in last 6 months		77 votes (46%)
I'm usually overdrawn – POOR service in last 6 months		4 votes (2%)
I'm usually overdrawn – OK service in last 6 months		6 votes (4%)
I'm usually overdrawn – GREAT service in last 6 months		8 votes (5%)

Your local credit union (2 votes)

I'm usually in-credit – POOR service in last 6 months		0 votes (0%)
I'm usually in-credit – OK service in last 6 months		2 votes (100%)
I'm usually in-credit – GREAT service in last 6 months		0 votes (0%)
I'm usually overdrawn – POOR service in last 6 months		0 votes (0%)
I'm usually overdrawn – OK service in last 6 months		0 votes (0%)
I'm usually overdrawn – GREAT service in last 6 months		0 votes (0%)

I don’t have a current account (14 votes)

		14 votes (100%)

                   8,267 votes received.

We try to use technology to limit voting to one per person. Occasionally, this may erroneously block a few people's votes (eg, from shared offices). Apologies for that.