Best current accounts: Which? reveals 6 top bank accounts to get the most from your money in 2025

Nearly 4 in 10 current account holders have stayed with the same bank for 20+ yearsBut loyalty doesn’t always pay – switching or choosing the right account can save or earn you moneyWhich? surveyed 6,600+ customers and analysed fees, perks, overdrafts, and satisfactionSix banks earned a Which? Recommended Provider badge, including Chase, Monzo, and First Direct Nearly four in 10 current account holders have stuck with the same provider for more than 20 years, but new research suggests that loyalty doesn’t always pay off. A survey of over 6,600 account holders, commissioned by consumer group Which?, found that while many customers remain with the same bank for decades, not all are reaping the benefits. Sam Richardson, deputy editor of Which? Money, said: “Banks are not all the same and our analysis proves this. “Perks like fee-free spending abroad and instant spending notifications are becoming normalised, while cashback, loyalty payments, and switching bonuses can earn you hundreds of pounds.” Which? examined product features such as fees, overdrafts, charges, perks, and overall customer satisfaction to determine which providers genuinely deliver value. Accounts that excelled in both areas earned the prestigious Which? Recommended Provider (WRP) badge. Which banks are best for you money? This year, six providers were recognised: ChaseDanske BankFirst DirectMonzoNationwide Building SocietyStarling Bank Which? also said that Allied Irish Bank and Revolut narrowly missed out on WRP recognition this year. Notably, Chase and Danske Bank secured WRP status for the first time, while First Direct remains the longest-running award holder, maintaining its badge for over a decade. Nationwide Building Society also drew attention for its commitment to physical branches. Tom Riley, director of group retail products at Nationwide, said the society’s “branch promise” was recently extended to ensure all 696 Nationwide and Virgin Money branches remain open until at least 2030, a move that signals value for customers who still rely on in-person banking. [Note: Outside of England and Wales, certain perks, fees, or account rules can vary slightly depending on regional banking regulations, especially in Northern Ireland, which has different financial oversight in some cases] What does it mean for me? With more options than ever, it pays to shop around. Even long-term customers might be leaving rewards on the table if they stick with an account out of habit rather than value. The survey, carried out by Deltapoll in August, highlights that a little research could go a long way in turning bank loyalty into tangible benefits. Whether you value digital perks, branch access, or financial incentives, Which?’s recommendations make it easier to find a current account that actually works for you and your money.