Five highly rated current accounts

In this article, we’ve shared five highly rated current accounts, reviewed by our Smart Money People community. All ratings and quotes are based on feedback left up to October 2025.

1. Chase: 4.94 out of 5

Chase doesn’t charge a fee to open a current account and for your first year, you earn 1% cashback when you use your debit card to buy some of your essentials.  Switching to a Chase current account is easy using the Current Account Switch Service and it only takes around seven working days to complete. Customer support is available over the phone or via the Chase app. You can read a full Chase review on our sister site, Be Clever With Your Cash.

Chase is popular with our Smart Money People community. It currently holds the top spot in our current account rankings and was recently crowned the Best current account provider in the 2025 British bank awards.

One reviewer said:

“Firstly, the app is great and easy to use. In addition, Chase offers 1% cash back on all purchases made on the debit card (inc. apple pay) which is great. In addition to this there is the option to use round-up to round up every purchase to the nearest whole pound and take the round-up amount to a savings account.”

2. Starling: 4.94 out of 5

Starling gives you exactly what you’d expect from a current account but with some useful extras. Spaces help you organise your money into virtual change jars to make saving easier and Spending Insights help you spot trends across 50+ different categories. Our colleagues at Be Clever With Your Cash have written a detailed review about the Starling account.

With more than 27,000 reviews and an average score of 4.94, Starling is a well-liked current account.

One reviewer said:

“I love Starling Bank, I have had several accounts with other banks previously and there have always been issues. So, Starling feels fresh and modern as a bank. It was really easy to set up, I like the video security feature. Having 'spaces' to divide your money into separate areas within the app is great for organising your funds. I make use of the no currency conversion fee to get great deals and save money buying from other countries.”

3. Triodos: 4.93 out of 5

Triodos is an ethical bank which means they invest money in causes and organisations that do good in the world. With a Triodos current account, you get a debit card made of renewable resources so it’s biodegradable and recyclable. There is a monthly fee for a Triodos current account. You can read a full review of the account on our sister site Be Clever With Your Cash.

The current account from Triodos is really popular with nearly 8,000 reviews.

One reviewer said:

“Great ethical bank, you know how and where your money is being invested with some great worthwhile projects.”

4. Monzo: 4.92 out of 5

Monzo allows you to spend fee-free all around the world. With the ‘main account’, there’s no cap on cash withdrawals in Europe. If not, you may find that there are limits in EEA and non-EEA countries plus fees. Zoe from Be Clever With Your Cash has written an in-depth Monzo review, so you can weigh up the pros and cons. Monzo were also big winners in the 2025 British bank awards walking away with Best british bank and Best banking app.

One Smart Money People reviewer said:

“Very easy to navigate the app, offers cashback and pots, which I enjoy using, and their customer service is brilliant. Also, I appreciate paying abroad without any extra fees, as I travel a lot.”

5. Revolut: 4.92 out of 5

There are different Revolut accounts to choose from, there is a free version, other plans have a monthly fee. A big part of the popularity of Revolut is the app. It analyses your spending and helps with budgeting so you can manage your money more effectively. Our colleagues at Be Clever With Your Cash have written a Revolut review, so you can weigh up the pros and cons.

One Smart Money People reviewer said:

“Revolut has genuinely made managing money feel fun. The app is sleek, transfers are fast, and I love being able to swap currencies without feeling robbed on the exchange rate. The instant spend notifications are incredibly useful when on the move. It’s like having a smart, no-nonsense financial sidekick in your pocket.”

In a nutshell

There are so many current accounts to choose from, it’s important to pick the best one for your circumstances. Spend some time researching the providers you’re considering so you can find the one that delivers the service and features you want.