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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

Overall service quality: Virgin Money is ranked at 8th place for overall service quality with 62% compared to; Monzo at 85%, Starling Bank at 83% Mettle at 82%, Handelsbanken at 78% and Tide at 69%.

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

Online and Mobile Banking: Virgin Money is ranked at 12th place for overall service quality with 65% compared to; Monzo at 90%, Starling Bank at 87%, Mettle at 84%, ZEMPLER at 74% and tide at 74%

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.

Virgin Money logo

Virgin Money offers SME overdraft and loan services but the results for this service are not displayed as fewer than 100 Virgin Money customers provided an eligible score.

Relationship/account management

We asked customers how likely they would be to recommend their provider’s relationship/account management to other SMEs.

Ranking

Relationship Account Management: Virgin Money is ranked at 9th place for overall service quality with 60% compared to; Handelsbanken at 86%, Mettle at 77%, Starling Bank at 74%, Monzo at 73%, ZEMPLER at 69%.

Service 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

Service Branches: Virgin Money is ranked at 3rd place for overall service quality with 64% compared to; Handelsbanken at 75%, Metro Bank at 65%, Lloyds at 53% and Royal Bank of Scotland at 53%.

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.

Virgin Money 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 Bank, Metro Bank, Mettle, Monzo, NatWest, Royal Bank of Scotland, Santander, Starling Bank, The Cooperative 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