Handelsbanken has been voted the clear winner relating to what SMEs assume is the perfect enterprise checking account.
The Swedish financial institution, which has greater than 200 UK branches, got here prime of the chief board in three out of 5 classes, in keeping with the most recent Competitors and Markets Authority survey printed in February 2026.
The financial institution was named finest for relationship/account administration (85%); SME overdraft and mortgage companies (72%); and companies in branches and enterprise centres (72%) for the fifth time by the survey.
Nonetheless, Monzo beat it to the highest spot for total service high quality and on-line and cell banking companies.
BVA BDRC (now a part of Ipsos) surveyed 20,450 small enterprise clients between January and December 2025, asking them if they might suggest their supplier to different SMEs.
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Total service high quality – Monzo
Monzo was ranked first for total service high quality (85%), narrowly beating Mettle by Natwest into second place (83%) and Starling Financial institution into third place (81%). Financial institution of Scotland tied with Barclays for joint final sixteenth place (52%).
Total service high quality
| Total service high quality | ||
|---|---|---|
| # | Financial institution | % |
| 1 | Monzo | 85 |
| 2 | Mettle by NatWest | 83 |
| 3 | Starling Financial institution | 81 |
| 4 | Handelsbanken | 75 |
| 5 | Tide | 70 |
| 6 | Zemplar Financial institution | 67 |
| 7= | Metro Financial institution | 62 |
| 7= | NatWest | 62 |
| 9= | Virgin Cash | 59 |
| 9= | Lloyds | 59 |
| 11= | TSB | 55 |
| 11= | Royal Financial institution of Scotland | 55 |
| 11= | HSBC | 55 |
| 14= | Santander | 54 |
| 14= | The Co-operative Financial institution | 54 |
| 16= | Financial institution of Scotland | 52 |
| 16= | Barclays | 52 |
| Supply: BVA BDRC |
On-line and cell banking companies – Monzo
This was the one class the place Handelsbanken did poorly in comparison with different suppliers. Monzo got here prime at 90%, adopted by Starling (86%) in second and Mettle by Natwest Sin third (84%). The Co-Operative Financial institution was judged to have the least consumer pleasant cell and on-line banking service (47%).
On-line and cell banking companies
| On-line and cell banking companies | ||
|---|---|---|
| # | Financial institution | % |
| 1 | Monzo | 90 |
| 2 | Starling | 86 |
| 3 | Mettle by NatWest | 84 |
| 4= | Tide | 74 |
| 4= | NatWest | 74 |
| 6 | Zempler Financial institution | 73 |
| 7 | Lloyds | 72 |
| 8 | Royal Financial institution of Scotland | 70 |
| 9 | Barclays | 68 |
| 10= | HSBC UK | 67 |
| 10= | Financial institution of Scotland | 67 |
| 12 | Virgin Cash | 65 |
| 13= | Santander | 62 |
| 13= | Metro Financial institution | 62 |
| 13= | TSB | 62 |
| 16 | Handelsbanken | 57 |
| 17 | The Co-operative Financial institution | 47 |
| Supply: BVA BDRC |
Relationship and account administration – Handelsbanken
Handelsbanken was the clear winner when it got here to relationship and account administration (85%) adopted by Mettle by NatWest (75%) and Monzo (74%). Santander ranked backside (48%).
Relationship and account administration
| Relationship and account administration | ||
|---|---|---|
| # | Financial institution | % |
| 1 | Handelsbanken | 85 |
| 2 | Mettle by NatWest | 75 |
| 3 | Monzo | 74 |
| 4 | Starling | 73 |
| 5 | Zempler Financial institution | 69 |
| 6= | Tide | 62 |
| 6= | Metro Financial institution | 62 |
| 8 | Royal Financial institution of Scotland | 60 |
| 9 | HSBC UK | 58 |
| 10= | Lloyds | 56 |
| 10= | Virgin Cash | 56 |
| 12 | NatWest | 55 |
| 13 | The Co-Operative Financial institution | 54 |
| 14 | TSB | 53 |
| 15 | Financial institution of Scotland | 51 |
| 16 | Barclays | 50 |
| 17 | Santander | 48 |
| Supply: BVA BDRC |
SME overdraft and mortgage – Handelsbanken
In relation to arranging small enterprise overdrafts and mortgage services, Handelsbanken was highest-recommended financial institution by SMEs (69%), though not by a lot. Metro Financial institution got here in second (65%) with Lloyds taking third spot (57%). Barclays got here final out of 9 suppliers that provided SME overdrafts and loans (53%).
SME overdraft and mortgage
| SME overdraft and mortgage companies | ||
|---|---|---|
| # | Financial institution | % |
| 1 | Handelsbanken | 69 |
| 2 | Metro Financial institution | 65 |
| 3 | Lloyds | 57 |
| 4 | Royal Financial institution of Scotland | 56 |
| 5= | NatWest | 55 |
| 5= | Financial institution of Scotland | 55 |
| 5= | HSBC UK | 55 |
| 8 | Santander | 54 |
| 9 | Barclays | 53 |
| Supply: BVA BDRC |
Service in branches – Handelsbanken
Handelsbanken squeaked to first place at 72%, though Metro Financial institution – identified for its grand banking foyers – was simply behind with 65%. Virgin Cash Financial institution adopted in third (56%), although Barclays as soon as once more got here final, ending twelfth (42%).
Service in branches
| Rating | Financial institution | % |
|---|---|---|
| 1 | Handelsbanken | 72 |
| 2 | Metro Financial institution | 65 |
| 3 | Virgin Cash | 56 |
| 4 | The Co-operative Financial institution | 55 |
| 5= | Lloyds | 51 |
| 5= | NatWest | 51 |
| 7 | Financial institution of Scotland | 51 |
| 8= | TSB | 50 |
| 8= | Royal Financial institution of Scotland | 49 |
| 10= | Santander | 48 |
| 10= | HSBC UK | 43 |
| 12 | Barclays | 42 |
| Supply: BVA BDRC |
Additional studying
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