Current Account and Credit Card Star Ratings 2025

Rachel Springall, Press Officer / Finance Expert 01603 476210 Email Rachel

A stellar year for the Personal Current Accounts and Personal Credit Cards Star Ratings 2025

Moneyfacts is pleased to announce the Moneyfacts Annual Star Ratings 2025 for Personal Current Accounts and Personal Credit Cards.

For 2025, in personal current accounts, there were 48 Five-Star, 25 Four-Star and 30 Three-Star Ratings awarded across the categories of standard, packaged, premium, youth, student and graduate accounts.
For personal credit cards, there were 45 Five-Star, 28 Four-Star and 34 Three-Star Ratings across the standard and credit repair categories.
Year-on-year number of products for current accounts available for assessment has fallen by just two, however, in the credit card market there has been a larger drop of 13.
Over 225 fields of information per individual product were collected for personal current accounts and more than 250 fields of information per individual product were collected for personal credit cards, all available for assessment.

The products awarded Five-, Four- or Three-Star Ratings offer the most comprehensive range of standout features and competitive limits, which set them apart from the rest of the market.

Moneyfacts has been analysing data for more than 35 years, with the instantly recognisable Moneyfacts badge of quality helping inform consumers when comparing personal current accounts and personal credit cards.

Nine out of 10 people agree that a Star Rating from an independent and impartial company could influence their decision in considering taking out a Financial Services product.* (*Source: Moneyfacts Group Plc, Star Ratings survey 11/2022-1/2023).

A stellar year for the Personal Current Accounts and Personal Credit Cards Star Ratings 2025

Moneyfacts is pleased to announce the Moneyfacts Annual Star Ratings 2025 for Personal Current Accounts and Personal Credit Cards.

For 2025, in personal current accounts, there were 48 Five-Star, 25 Four-Star and 30 Three-Star Ratings awarded across the categories of standard, packaged, premium, youth, student and graduate accounts.
For personal credit cards, there were 45 Five-Star, 28 Four-Star and 34 Three-Star Ratings across the standard and credit repair categories.
Year-on-year number of products for current accounts available for assessment has fallen by just two, however, in the credit card market there has been a larger drop of 13.
Over 225 fields of information per individual product were collected for personal current accounts and more than 250 fields of information per individual product were collected for personal credit cards, all available for assessment.

The products awarded Five-, Four- or Three-Star Ratings offer the most comprehensive range of standout features and competitive limits, which set them apart from the rest of the market.

VIEW THE FULL LIST OF 2025 AWARDED PRODUCTS – PLEASE CLICK HERE FOR PERSONAL CURRENT ACCOUNTS AND HERE FOR PERSONAL CREDIT CARDS.

Samantha Owens, Star Ratings and Personal Finance Analytics Manager at Moneyfacts, said:

“For consumers, getting the right products for day-to-day banking is an essential foundation. Looking beyond the rates, the Moneyfacts Annual Star Ratings concentrate on the flexibility of the product along with highlighting those with added benefits that can help with finances in the longer term.

“Finding the right bank account, which offers all the features necessary for hassle-free day-to-day banking along with features that could save time and money in the long-term, can be a daunting task with the range of accounts on offer. The current account ratings take away some of this hard work, allowing customers to focus their attention on the most complete products.

“Alongside this is getting the right credit card. By looking at the functionality, benefits and incentives on all cards in today’s market, the credit card ratings highlight the products that can be most rewarding over the long-run, beyond the introductory deals.”

Samantha Owens, Star Ratings and Personal Finance Analytics Manager at Moneyfacts, said:

Numerous features are considered when assessing the ratings, and some of these include:

Personal current accounts

Opening and operating options
Funding
Credit interest
Overdraft availability
Direct debit, standing order & cheque book availability
Refused charges
Foreign usage charges
Text alerts

Opening and operating options
Funding
Credit interest
Overdraft availability
Direct debit, standing order & cheque book availability
Refused charges
Foreign usage charges
Text alerts

Switching incentives
Cashback
Travel insurance
Preferential deals on savings, mortgages, loans & credit card products
Emergency cash services
Vehicle breakdown
Gadget & mobile phone insurance
Discounts on restaurants and leisure attractions

Switching incentives
Cashback
Travel insurance
Preferential deals on savings, mortgages, loans & credit card products
Emergency cash services
Vehicle breakdown
Gadget & mobile phone insurance
Discounts on restaurants and leisure attractions

Personal credit cards

Opening and operating options
Payment options
Balance transfer availability
Money transfer availability
Contactless
Card fees and charges
Balance and money transfer fees
Cash withdrawal fees
Foreign usage charges
Minimum interest charges
Airport lounge access

Opening and operating options
Payment options
Balance transfer availability
Money transfer availability
Contactless
Card fees and charges
Balance and money transfer fees
Cash withdrawal fees
Foreign usage charges
Minimum interest charges
Airport lounge access

Free emergency card
Free emergency cash
Interest-free days
Reward schemes
Luggage insurance
Free text alerts
Extended appliance warranty
Cashback
Travel accident insurance
Flight delay/cancellation insurance
Enhanced purchase protection

Free emergency card
Free emergency cash
Interest-free days
Reward schemes
Luggage insurance
Free text alerts
Extended appliance warranty
Cashback
Travel accident insurance
Flight delay/cancellation insurance
Enhanced purchase protection

Notes to editors

Pioneering financial comparison technology for over 35 years.

Moneyfacts Group plc is the UK’s leading provider of retail financial product data. Used by virtually every bank and building society in the UK, and supplied to the Bank of England, Financial Conduct Authority, Financial Ombudsman Service, HM Treasury, Prudential Regulatory Authority and UK Finance.

Our expert research team monitors the thousands of mortgages, savings, credit card, personal loan, business banking, life, pension and investment products in the UK.

Moneyfacts’ Star Ratings highlight the best quality financial products available based on an assessment of all their features and criteria. Moneyfacts Star Ratings logos act as an independent and impartial badge of approval and help customers easily spot which are the better deals to help them make important decisions with confidence.

The growing range of products currently assessed includes:

Personal Current Accounts
Personal Credit Cards
Business Current Accounts
Business Credit Cards
SIPP and SSAS
Equity Release
Home Insurance
Home Emergency Cover
Car Insurance
Travel Insurance
Pet Insurance
Private Medical Insurance
Unsecured Personal Loans
Landlord Home Insurance
Commercial Mortgage.

The growing range of providers currently assessed includes:

Savings Easy to Open

For more information about us please see our key facts.

To link to our website please use moneyfactsgroup.co.uk.

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Notes to editors

Pioneering financial comparison technology for over 35 years.

Our expert research team monitors the thousands of mortgages, savings, credit card, personal loan, business banking, life, pension and investment products in the UK.

The growing range of products currently assessed includes: