How do you rate your bank account's service?

5 March 2019

Every six months we ask for your help to track the quality of customer service provided by banks. By comparing your answers with last time, we can see which have got better or worse.

So, please vote based on CUSTOMER SERVICE for your main CURRENT account over the last SIX MONTHS. Ignore rates or any other products, and service if it's more than six months old.

Results

**Bank of Scotland (53 votes)**

I'm usually in credit – POOR service in last six months		7 votes (13%)
I'm usually in credit – OK service in last six months		17 votes (32%)
I'm usually in credit – GREAT service in last six months		24 votes (45%)
I'm usually overdrawn – POOR service in last six months		3 votes (6%)
I'm usually overdrawn – OK service in last six months		0 votes (0%)
I'm usually overdrawn – GREAT service in last six months		2 votes (4%)

**Barclays Bank (289 votes)**

I'm usually in credit – POOR service in last six months		38 votes (13%)
I'm usually in credit – OK service in last six months		88 votes (30%)
I'm usually in credit – GREAT service in last six months		138 votes (48%)
I'm usually overdrawn – POOR service in last six months		8 votes (3%)
I'm usually overdrawn – OK service in last six months		8 votes (3%)
I'm usually overdrawn – GREAT service in last six months		9 votes (3%)

**Clydesdale (29 votes)**

I'm usually in credit – POOR service in last six months		6 votes (21%)
I'm usually in credit – OK service in last six months		10 votes (34%)
I'm usually in credit – GREAT service in last six months		13 votes (45%)
I'm usually overdrawn – POOR service in last six months		0 votes (0%)
I'm usually overdrawn – OK service in last six months		0 votes (0%)
I'm usually overdrawn – GREAT service in last six months		0 votes (0%)

**Co-op Bank (117 votes)**

I'm usually in credit – POOR service in last six months		10 votes (9%)
I'm usually in credit – OK service in last six months		22 votes (19%)
I'm usually in credit – GREAT service in last six months		80 votes (68%)
I'm usually overdrawn – POOR service in last six months		1 votes (1%)
I'm usually overdrawn – OK service in last six months		1 votes (1%)
I'm usually overdrawn – GREAT service in last six months		3 votes (3%)

**Danske Bank (6 votes)**

I'm usually in credit – POOR service in last six months		0 votes (0%)
I'm usually in credit – OK service in last six months		0 votes (0%)
I'm usually in credit – GREAT service in last six months		4 votes (67%)
I'm usually overdrawn – POOR service in last six months		0 votes (0%)
I'm usually overdrawn – OK service in last six months		1 votes (17%)
I'm usually overdrawn – GREAT service in last six months		1 votes (17%)

**First Direct (731 votes)**

I'm usually in credit – POOR service in last six months		26 votes (4%)
I'm usually in credit – OK service in last six months		43 votes (6%)
I'm usually in credit – GREAT service in last six months		596 votes (82%)
I'm usually overdrawn – POOR service in last six months		1 votes (0%)
I'm usually overdrawn – OK service in last six months		2 votes (0%)
I'm usually overdrawn – GREAT service in last six months		63 votes (9%)

**Halifax (293 votes)**

I'm usually in credit – POOR service in last six months		32 votes (11%)
I'm usually in credit – OK service in last six months		96 votes (33%)
I'm usually in credit – GREAT service in last six months		148 votes (51%)
I'm usually overdrawn – POOR service in last six months		4 votes (1%)
I'm usually overdrawn – OK service in last six months		8 votes (3%)
I'm usually overdrawn – GREAT service in last six months		5 votes (2%)

**HSBC (257 votes)**

I'm usually in credit – POOR service in last six months		47 votes (18%)
I'm usually in credit – OK service in last six months		74 votes (29%)
I'm usually in credit – GREAT service in last six months		120 votes (47%)
I'm usually overdrawn – POOR service in last six months		4 votes (2%)
I'm usually overdrawn – OK service in last six months		5 votes (2%)
I'm usually overdrawn – GREAT service in last six months		7 votes (3%)

**Lloyds (299 votes)**

I'm usually in credit – POOR service in last six months		32 votes (11%)
I'm usually in credit – OK service in last six months		95 votes (32%)
I'm usually in credit – GREAT service in last six months		152 votes (51%)
I'm usually overdrawn – POOR service in last six months		10 votes (3%)
I'm usually overdrawn – OK service in last six months		7 votes (2%)
I'm usually overdrawn – GREAT service in last six months		3 votes (1%)

**M&S Bank (66 votes)**

I'm usually in credit – POOR service in last six months		3 votes (5%)
I'm usually in credit – OK service in last six months		11 votes (17%)
I'm usually in credit – GREAT service in last six months		52 votes (79%)
I'm usually overdrawn – POOR service in last six months		0 votes (0%)
I'm usually overdrawn – OK service in last six months		0 votes (0%)
I'm usually overdrawn – GREAT service in last six months		0 votes (0%)

**Metro Bank (40 votes)**

I'm usually in credit – POOR service in last six months		4 votes (10%)
I'm usually in credit – OK service in last six months		6 votes (15%)
I'm usually in credit – GREAT service in last six months		30 votes (75%)
I'm usually overdrawn – POOR service in last six months		0 votes (0%)
I'm usually overdrawn – OK service in last six months		0 votes (0%)
I'm usually overdrawn – GREAT service in last six months		0 votes (0%)

**Monzo (244 votes)**

I'm usually in credit – POOR service in last six months		10 votes (4%)
I'm usually in credit – OK service in last six months		5 votes (2%)
I'm usually in credit – GREAT service in last six months		222 votes (91%)
I'm usually overdrawn – POOR service in last six months		3 votes (1%)
I'm usually overdrawn – OK service in last six months		0 votes (0%)
I'm usually overdrawn – GREAT service in last six months		4 votes (2%)

**Nationwide Building Society (778 votes)**

I'm usually in credit – POOR service in last six months		27 votes (3%)
I'm usually in credit – OK service in last six months		121 votes (16%)
I'm usually in credit – GREAT service in last six months		599 votes (77%)
I'm usually overdrawn – POOR service in last six months		4 votes (1%)
I'm usually overdrawn – OK service in last six months		7 votes (1%)
I'm usually overdrawn – GREAT service in last six months		20 votes (3%)

**NatWest (393 votes)**

I'm usually overdrawn – POOR service in last six months		9 votes (2%)
I'm usually overdrawn – OK service in last six months		28 votes (7%)
I'm usually overdrawn – GREAT service in last six months		16 votes (4%)
I'm usually in credit – POOR service in last six months		76 votes (19%)
I'm usually in credit – OK service in last six months		110 votes (28%)
I'm usually in credit – GREAT service in last six months		154 votes (39%)

**Royal Bank of Scotland (93 votes)**

I'm usually in credit – POOR service in last six months		21 votes (23%)
I'm usually in credit – OK service in last six months		28 votes (30%)
I'm usually in credit – GREAT service in last six months		36 votes (39%)
I'm usually overdrawn – POOR service in last six months		2 votes (2%)
I'm usually overdrawn – OK service in last six months		6 votes (6%)
I'm usually overdrawn – GREAT service in last six months		0 votes (0%)

**Santander (818 votes)**

I'm usually in credit – POOR service in last six months		62 votes (8%)
I'm usually in credit – OK service in last six months		222 votes (27%)
I'm usually in credit – GREAT service in last six months		510 votes (62%)
I'm usually overdrawn – POOR service in last six months		5 votes (1%)
I'm usually overdrawn – OK service in last six months		6 votes (1%)
I'm usually overdrawn – GREAT service in last six months		13 votes (2%)

**Smile (38 votes)**

I'm usually in credit – POOR service in last six months		3 votes (8%)
I'm usually in credit – OK service in last six months		8 votes (21%)
I'm usually in credit – GREAT service in last six months		24 votes (63%)
I'm usually overdrawn – POOR service in last six months		0 votes (0%)
I'm usually overdrawn – OK service in last six months		0 votes (0%)
I'm usually overdrawn – GREAT service in last six months		3 votes (8%)

**Starling (127 votes)**

I’m usually in credit – POOR service in last six months		6 votes (5%)
I’m usually in credit – OK service in last six months		8 votes (6%)
I’m usually in credit – GREAT service in last six months		107 votes (84%)
I’m usually overdrawn – POOR service in last six months		1 votes (1%)
I’m usually overdrawn – OK service in last six months		1 votes (1%)
I’m usually overdrawn – GREAT service in last six months		4 votes (3%)

**Tesco Bank (81 votes)**

I'm usually in credit – POOR service in last six months		5 votes (6%)
I'm usually in credit – OK service in last six months		36 votes (44%)
I'm usually in credit – GREAT service in last six months		36 votes (44%)
I'm usually overdrawn – POOR service in last six months		1 votes (1%)
I'm usually overdrawn – OK service in last six months		1 votes (1%)
I'm usually overdrawn – GREAT service in last six months		2 votes (2%)

**TSB (291 votes)**

I'm usually in credit – POOR service in last six months		93 votes (32%)
I'm usually in credit – OK service in last six months		92 votes (32%)
I'm usually in credit – GREAT service in last six months		96 votes (33%)
I'm usually overdrawn – POOR service in last six months		4 votes (1%)
I'm usually overdrawn – OK service in last six months		0 votes (0%)
I'm usually overdrawn – GREAT service in last six months		6 votes (2%)

**Ulster Bank (7 votes)**

I'm usually in credit – POOR service in last six months		2 votes (29%)
I'm usually in credit – OK service in last six months		3 votes (43%)
I'm usually in credit – GREAT service in last six months		1 votes (14%)
I'm usually overdrawn – POOR service in last six months		1 votes (14%)
I'm usually overdrawn – OK service in last six months		0 votes (0%)
I'm usually overdrawn – GREAT service in last six months		0 votes (0%)

**Virgin Money (53 votes)**

I'm usually in credit – POOR service in last six months		5 votes (9%)
I'm usually in credit – OK service in last six months		27 votes (51%)
I'm usually in credit – GREAT service in last six months		21 votes (40%)
I'm usually overdrawn – POOR service in last six months		0 votes (0%)
I'm usually overdrawn – OK service in last six months		0 votes (0%)
I'm usually overdrawn – GREAT service in last six months		0 votes (0%)

**Yorkshire Bank (76 votes)**

I'm usually in credit – POOR service in last six months		11 votes (14%)
I'm usually in credit – OK service in last six months		16 votes (21%)
I'm usually in credit – GREAT service in last six months		44 votes (58%)
I'm usually overdrawn – POOR service in last six months		1 votes (1%)
I'm usually overdrawn – OK service in last six months		3 votes (4%)
I'm usually overdrawn – GREAT service in last six months		1 votes (1%)

**Your local credit union (17 votes)**

I'm usually in credit – POOR service in last six months		3 votes (18%)
I'm usually in credit – OK service in last six months		5 votes (29%)
I'm usually in credit – GREAT service in last six months		8 votes (47%)
I'm usually overdrawn – POOR service in last six months		0 votes (0%)
I'm usually overdrawn – OK service in last six months		0 votes (0%)
I'm usually overdrawn – GREAT service in last six months		1 votes (6%)

**I don't have a current account or I don't have a current account with one of the providers listed above (33 votes)**

		33 votes (100%)

5,229 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.

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