Smart Money Risers for June 2026

If you're looking for a new bank, lender, insurer or savings and investment provider, knowing who delivers a great customer experience is just as useful as knowing who's offering the best rates. Our Smart Money Risers index tracks month-on-month and quarter-by-quarter improvement in customer review ratings across the consumer personal finance sector, identifying which providers are improving fastest and why.

June's top cross-market provider risers

M&S Bank climbed to a rating of 4.17 out of 5, one of the sharpest improvements in this month's data. Customers praised responsive support, strong product value and benefits, and a positive app experience backed up by the option to speak to a real person when needed, a combination reviewers say sets the brand apart. The strength of customer loyalty also stands out with several long-standing customers describing M&S Bank as reliable and customer focused.

"Brilliant company. They really value their customers, and the service is always helpful and reliable," said one M&S Bank customer.

American Express featured prominently, with a rating of 4.31 driven by strong feedback on its rewards and cashback proposition, premium card perks, loyalty benefits and points scheme. Customers consistently praise the excellent customer service and easy and reliable digital experience. One standout theme is long-standing customer loyalty, with some relationships spanning more than a decade. Its credit card offering was also the standout riser in its product category, up 0.46 versus the previous quarter.

"Just a great product. Good cashback, great offers, and the app is easy to use," said one American Express cardholder.

Homeprotect climbed to 4.82, with customers repeatedly highlighting competitive renewal pricing at a time when many expect premiums to rise sharply year-on-year, alongside straightforward renewal procedures, ease of managing policies, helpful support teams and flexible cover for specialist needs such as landlord insurance.

One customer summed it up simply: "The renewal process was straightforward, the price was competitive, and the service was excellent."

What's driving customer satisfaction right now?

Across June's data, three trends stand out:

1. Specialist lenders continue to perform strongly, reflecting demand for fast and straightforward borrowing.
2. Established banking brands are beginning to show signs of improvement in service and digital experience.
3. Product experience is proving more important than brand reputation. The best providers improving fastest are making specific things easier, including the application process, speed of service and how easy it is to use digital services.

Reviews from real customers

Want to check ratings for a provider you're considering or leave your own review? Reviews on Smart Money People help you find out and share what it's really like to be a customer of financial services providers.