FCA mandated and voluntary information on current account services

Tables of providers’ website links and API locations for information about current account services for each brand.

Following action by the FCA and the Competition and Markets Authority (CMA), and also a voluntary commitment made by banks and building societies, current account providers are publishing better information about the services they offer consumers and small businesses.

This information is to help consumers and small businesses find the right service for them, get the most out of it, and get help if things go wrong. It will also help others such as comparison services and the media to compare current accounts.

Below are tables of providers’ website links and API links for the information mandated by the FCA on personal current accounts and business current accounts, and a table of website links to voluntary information on the key ways of supporting all personal current account customers, including those in potentially vulnerable circumstances.

There is also information required by the CMA about how likely people and small businesses would be to recommend their bank.

Personal Current Accounts

Brand Website API (application programming interface) if available
B https://www.youandb.co.uk/the-account/current-and-instant-savings/current-account-services/services/

 

Bank of Ireland https://www.bankofirelanduk.com/personal/fca-service-quality-metrics/ https://openapi.bankofireland.com/open-banking/v1.0/fca-personal-current-accounts
 
Bank of Scotland

https://www.bankofscotland.co.uk/bankaccounts/personal-service-quality-information/

https://api.bankofscotland.co.uk/open-banking/v1.0/fca-service-metrics/pca
Barclays www.barclays.co.uk/important-information/service-quality-information/

https://atlas.api.barclays/open-banking/v1.0/fca-service-metrics/pca

cahoot https://www.cahoot.com/service-quality-information   
Chelsea Building Society https://www.thechelsea.co.uk/help/payment-guidance/payment-account-services.html  
Clydesdale Bank https://secure.cbonline.co.uk/personal/current-accounts/current-account-services/Services  
The Co-operative Bank

https://www.co-operativebank.co.uk/currentaccounts/personal-current-account-service-quality-information

 
Coventry Building Society https://www.coventrybuildingsociety.co.uk/consumer/savings-accounts/closed-accounts/everyday-money/service-information.html https://developer.coventrybuildingsociety.co.uk
Danske Bank https://danskebank.co.uk/personal/fca-tables-of-information https://obp-data.danskebank.com/open-banking/v1.0/fca-service-metrics/pca
first direct www.firstdirect.com/1/2/service-quality/information https://api.hsbc.com/open-banking/v1.0/fca-service-metrics/pca
First Trust Bank https://firsttrustbank.co.uk/our-products/current-accounts/service-quality-information https://openapi.firsttrustbank.co.uk/open-banking/v1.0/fca-service-metrics/pca
Halifax

https://www.halifax.co.uk/bankaccounts/personal-service-quality-information/

https://api.halifax.co.uk/open-banking/v1.0/fca-service-metrics/pca
HSBC UK https://www.hsbc.co.uk/help/SQI/ https://api.hsbc.com/open-banking/v1.0/fca-service-metrics/pca
Intelligent Finance https://www.if.com/personalservicequalityinformation/default.aspx  
Lloyds Bank https://www.lloydsbank.com/current-accounts/personal-service-quality-information.asp https://api.lloydsbank.com/open-banking/v1.0/fca-service-metrics/pca
M&S Bank https://bank.marksandspencer.com/current-accounts/service-quality-information/ https://api.hsbc.com/open-banking/v1.0/fca-service-metrics/pca
Metro Bank https://www.metrobankonline.co.uk/personalstandingdata  
Monzo Bank https://docs.google.com/document/d/1ErQtc0M8kNCEOJ70oU120xy4Xe-hahzkAduG2gpuRYE/edit?usp=sharing https://api.monzo.com/basic-information
Nationwide Building Society http://nationwide.co.uk/support/support-articles/important-information/service-quality https://openapi.nationwide.co.uk/open-banking/v1.0/fca-service-metrics/pca
NatWest https://personal.natwest.com/content/dam/natwest/personal/current-accounts/documents/Natwest-personal-FCA-results.pdf https://openapi.natwest.com/open-banking/v1.0/fca-service-metrics/pca
Royal Bank of Scotland https://personal.rbs.co.uk/content/dam/royal_bank_of_scotland/personal/current-accounts/documents/RBS-personal-FCA-results.pdf https://openapi.rbs.co.uk/open-banking/v1.0/fca-service-metrics/pca
Santander https://www.santander.co.uk/info/service-quality-metrics https://openbanking.santander.co.uk/sanuk/external/open-banking/v1.0/fca-service-metrics/pca
Smile www.smile.co.uk/currentaccounts/personal-current-accounts-service-quality-information  
Starling Bank https://www.starlingbank.com/current-account/service-information/ https://www.starlingbank.com/open-banking/v1.0/fca-service-metrics/pca
Tesco Bank www.tescobank.com/current-accounts/useful-information/  
TSB https://www.tsb.co.uk/help-and-support/current-accounts/service-quality  
Ulster Bank https://digital.ulsterbank.co.uk/content/dam/Ulster/documents/ni-region/ni-personal-banking-brochures/UlsterNI-personal-FCA-results.pdf https://openapi.ulsterbank.co.uk/open-banking/v1.0/fca-service-metrics/pca
Virgin Money https://uk.virginmoney.com/virgin/downloads/information-on-current-accounts.pdf  
Yorkshire Bank  https://secure.ybonline.co.uk/personal/current-accounts/current-account-services/Services/  
Yorkshire Building Society https://www.ybs.co.uk/help/payment-guidance/payment-account-services.html  

Data underlying the service quality surveys required by the CMA of personal and small business customers can be accessed via the Open Data API Dashboard.

Business Current Accounts

Brand Website API (application programming interface) if available
AIB https://aibgb.co.uk/our-products/business-current-accounts/service-quality-information

https://openapi.aibgb.co.uk/open-banking/v1.0/fca-service-metrics/bca

Bank of Ireland https://www.bankofirelanduk.com/business/fca-service-quality-metrics/ https://openapi.bankofireland.com/open-banking/v1.0/fca-business-current-accounts
Bank of Scotland https://business.bankofscotland.co.uk/businessservicequalityinformation.html https://api.bankofscotland.co.uk/open-banking/v1.0/fca-service-metrics/bca
Barclays www.barclays.co.uk/business-banking/important-information/service-quality-information/

https://atlas.api.barclays/open-banking/v1.0/fca-service-metrics/bca

Clydesdale Bank https://secure.cbonline.co.uk/business/our-products/day-to-day/business-accounts/business-current-account/business-current-account-services/Services/  
The Co-operative Bank https://www.co-operativebank.co.uk/business/currentaccounts/service-quality-information  
Danske Bank https://danskebank.co.uk/business/fca-tables-of-information https://obp-data.danskebank.com/open-banking/v1.0/fca-service-metrics/bca
First Trust Bank https://firsttrustbank.co.uk/business/our-products/current-accounts/service-quality-information https://openapi.firsttrustbank.co.uk/open-banking/v1.0/fca-service-metrics/bca
HSBC UK https://www.business.hsbc.uk/financial-conduct-authority https://api.hsbc.com/open-banking/v1.0/fca-service-metrics/bca
Lloyds Bank

https://www.lloydsbank.com/business/businessservicequalityinformation.asp

https://api.lloydsbank.com/open-banking/v1.0/fca-service-metrics/bca
Metro Bank

https://www.metrobankonline.co.uk/business/current-accounts/needsbased/information-about-our-business-current-account-services/

 
NatWest https://personal.natwest.com/content/dam/natwest/business/current-accounts/documents/Natwest-business-FCA-results.pdf https://openapi.natwest.com/open-banking/v1.0/fca-service-metrics/bca
Royal Bank of Scotland https://personal.rbs.co.uk/content/dam/royal_bank_of_scotland/business/current-accounts/documents/RBS-business-FCA-results.pdf https://openapi.rbs.co.uk/open-banking/v1.0/fca-service-metrics/bca
Santander www.santander.co.uk/info/business-service-quality-information https://openbanking.santander.co.uk/sanuk/external/open-banking/v1.0/fca-service-metrics/bca
Starling Bank https://www.starlingbank.com/business-account/service-information/ https://www.starlingbank.com/open-banking/v1.0/fca-service-metrics/bca
TSB https://www.tsb.co.uk/help-and-support/business-accounts/service-quality/  
Ulster Bank https://digital.ulsterbank.co.uk/content/dam/Ulster/documents/ni-region/ni-business-banking-brochures/UlsterNI-business-FCA-results.pdf https://openapi.ulsterbank.co.uk/open-banking/v1.0/fca-service-metrics/bca
Yorkshire Bank  https://secure.ybonline.co.uk/business/our-products/day-to-day/business-accounts/business-current-account/business-current-account-services/Services/  

Data underlying the service quality surveys required by the CMA of personal and small business customers can be accessed via the Open Data API Dashboard.

Voluntary information about current account services

The main current account providers have agreed to publish information about the additional services they offer all customers, including those in potentially vulnerable circumstances.

The table below gives the link(s) to each provider’s information on the support available to customers experiencing money worries, dealing with a major life event, wanting help to manage day-to-day money better, or who have a disability or physical or mental health condition.

Brand Website
AIB https://aibgb.co.uk/our-products/business-current-accounts/supporting-the-needs-of-all-our-customers​​​​​
B

https://www.youandb.co.uk/current-account-and-savings/services/supporting-all-our-customers-cb/

https://www.youandb.co.uk/current-account-and-savings/services/supporting-all-our-customers-yb/

Bank of Ireland

https://www.bankofirelanduk.com/personal/fca-supporting-customer-needs

Bank of Scotland https://www.bankofscotland.co.uk/service-information
Barclays www.barclays.co.uk/important-information/vulnerability-services-information/
Cahoot https://www.cahoot.com/customer-needs-information
Clydesdale Bank https://secure.cbonline.co.uk/personal/current-accounts/current-account-services/supporting-all-our-customers/
The Co-operative Bank https://www.co-operativebank.co.uk/currentaccounts/personal-current-accounts-service-quality-information/supporting-needs-of-our-customers
Coventry Building Society www.coventrybuildingsociety.co.uk/consumer/savings-accounts/closed-accounts/everyday-money/supporting-customer-needs.html
Danske Bank https://danskebank.co.uk/personal/help/supporting-our-customers
first direct https://www1.firstdirect.com/1/2/service-quality/support/
First Trust Bank

https://firsttrustbank.co.uk/our-products/current-accounts/supporting-the-needs-of-all-our-customers

Halifax https://www.halifax.co.uk/service-information
HSBC UK https://www.hsbc.co.uk/help/supporting-customer-needs/
Lloyds Bank

http://www.lloydsbank.com/service-information

M&S Bank bank.marksandspencer.com/current-accounts/supporting-our-customers/
Metro Bank

https://www.metrobankonline.co.uk/bank-accounts/i-want-some-information-about/supporting-the-needs-of-all-our-customers/

Nationwide Building Society https://www.nationwide.co.uk/support/support-articles/important-information/supporting-your-needs ​​​​​​
NatWest https://personal.natwest.com/content/dam/natwest/personal/current-accounts/documents/Voluntary-information-NatWest.pdf
Royal Bank of Scotland https://personal.rbs.co.uk/content/dam/royal_bank_of_scotland/personal/current-accounts/documents/Voluntary-information-Royal-Bank.pdf
Santander www.santander.co.uk/uk/customer-needs-information
Smile https://www.smile.co.uk/currentaccounts/personal-current-accounts-service-quality-information/supporting-needs-of-our-customers
Starling Bank https://www.starlingbank.com/faq/customer-support/
Tesco Bank https://www.tescobank.com/current-accounts/support-current-accounts/
TSB www.tsb.co.uk/supporting-customers
Ulster Bank https://digital.ulsterbank.co.uk/content/dam/Ulster/documents/ni-region/ni-personal-banking-brochures/Voluntary-information-Ulster.pdf
Yorkshire Bank  https://secure.ybonline.co.uk/personal/current-accounts/current-account-services/supporting-all-our-customers/