Independent service quality survey results
Business current accounts
Published August 2026
As part of a regulatory requirement, an independent survey was conducted to ask approximately 1,200 customers of each of the 17 largest business current account providers if they would recommend their provider to other small and medium-sized enterprises (SMEs*). 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 business current account provider to other SMEs.
Ranking
Online and mobile banking services
We asked customers how likely they would be to recommend their provider’s online and mobile banking services to other SMEs.
Ranking
SME overdraft and loan services
We asked customers how likely they would be to recommend their provider’s SME overdraft and loan services to other SMEs.
Ranking
Relationship/account management
We asked customers how likely they would be to recommend their provider’s relationship/account management to other SMEs.
Ranking
Services in branches and business centres
We asked customers how likely they would be to recommend their provider’s branch and business centre services to other SMEs.
Ranking
These results are from an independent survey carried out between July 2025 and June 2026 by BVA BDRC (now part of Ipsos) as part of a regulatory requirement.
Bank of Scotland has published this information at the request of the Competition and Markets Authority so you can compare the quality of service from business 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.
SME customers with business 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 business centres, SME overdraft and loan services and relationship/account management services to other SMEs.
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, Handelsbanken, HSBC UK, Lloyds, Metro Bank, Mettle, Monzo, NatWest, Royal Bank of Scotland, Santander, Starling Bank, The Co-operative Bank, Tide, TSB, Virgin Money, Zempler Bank.
Approximately 1,200 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.
20,400 people were surveyed in total.
Results are updated every six months, in August and February.
*SMEs include businesses, clubs, charities and societies with an annual turnover/income of up to £25m (exclusive of VAT and other turnover-related taxes).
To find out more visit BVA-BDRC.com/business-banking-service-quality