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Current Account and Credit Card Star Ratings 2027

Caitlyn Eastell, Apprentice Press & PR Assistant
Caitlyn Eastell, Personal Finance Analyst 01603 476169 Email Caitlyn
02/09/2026

An incredible year for the Personal Current Accounts and Personal Credit Cards Star Ratings 2027

Moneyfacts is pleased to announce the Moneyfacts Annual Star Ratings 2027 for Personal Current Accounts and Personal Credit Cards.

  • For 2027, in personal current accounts, there were 44 Five-Star and 22 Four-Star awarded across the categories of standard, packaged, premium, youth, student and graduate accounts.
  • For personal credit cards, there were 51 Five-Star and 30 Four-Star across the standard and credit repair categories.
  • 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- or Four-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, Financial Services online consumer survey 2/25). 

An incredible year for the Personal Current Accounts and Personal Credit Cards Star Ratings 2027

Moneyfacts is pleased to announce the Moneyfacts Annual Star Ratings 2027 for Personal Current Accounts and Personal Credit Cards.

  • For 2027, in personal current accounts, there were 44 Five-Star and 22 Four-Star awarded across the categories of standard, packaged, premium, youth, student and graduate accounts.
  • For personal credit cards, there were 51 Five-Star and 30 Four-Star across the standard and credit repair categories.
  • 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- or Four-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, Financial Services online consumer survey 2/25). 

VIEW THE FULL LIST OF 2027 AWARDED PRODUCTS – PLEASE CLICK HERE FOR PERSONAL CURRENT ACCOUNTS AND HERE FOR PERSONAL CREDIT CARDS.

 

VIEW THE FULL LIST OF 2027 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:

“With ever changing offers and incentives, choosing the best current account can be confusing. The Moneyfacts Annual Star Ratings can help the consumer direct their focus to those accounts that have the biggest range of ongoing features and benefits, allowing them to filter down their search to one that best suits their individual needs. 

“The personal credit card ratings also help customers when it comes to finding the right card for everyday spending. Looking beyond the introductory offers and concentrating on functionality, benefits and incentives that can help them in the long term.”

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

“With ever changing offers and incentives, choosing the best current account can be confusing. The Moneyfacts Annual Star Ratings can help the consumer direct their focus to those accounts that have the biggest range of ongoing features and benefits, allowing them to filter down their search to one that best suits their individual needs. 

“The personal credit card ratings also help customers when it comes to finding the right card for everyday spending. Looking beyond the introductory offers and concentrating on functionality, benefits and incentives that can help them in the long term.”

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

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

Personal current accounts

Personal current accounts

Features

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

Features

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

Benefits

  • 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

Benefits

  • 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

Personal credit cards

Flexibility

  • Opening and operating options
  • Payment options
  • Balance transfer availability
  • Money transfer availability
  • Contactless

Charges

  • Card fees and charges
  • Balance and money transfer fees
  • Cash withdrawal fees
  • Foreign usage charges
  • Minimum interest charges
  • Airport lounge access

 

Flexibility

  • Opening and operating options
  • Payment options
  • Balance transfer availability
  • Money transfer availability
  • Contactless

Charges

  • Card fees and charges
  • Balance and money transfer fees
  • Cash withdrawal fees
  • Foreign usage charges
  • Minimum interest charges
  • Airport lounge access

 

Features

  • 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

 

Features

  • 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

 

Notes to editors

You are welcome to use part or all of this press release, so long as we are sufficiently sourced. We would appreciate a link back to Moneyfactsgroup.co.uk.

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, 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:

  • Personal Savings Easy to Open
  • Personal Current Account Easy to Open

For more information about us please see our key facts.

 

Broadcast

Our broadcast suite enables our finance experts to appear in-vision for television, and we regularly comment live on national and regional radio.

To arrange an interview for radio or television, please contact our press department. We have an in-house broadcast room.

 

Notes to editors

You are welcome to use part or all of this press release, so long as we are sufficiently sourced. We would appreciate a link back to Moneyfactsgroup.co.uk.

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, 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:

  • Personal Savings Easy to Open
  • Personal Current Account Easy to Open

For more information about us please see our key facts.

 

Broadcast

Our broadcast suite enables our finance experts to appear in-vision for television, and we regularly comment live on national and regional radio.

To arrange an interview for radio or television, please contact our press department. We have an in-house broadcast room.

 

Contact Us If you're looking for extra comment, a chart or more information, then please give us a call. We are always more than happy to help.
Adam French Head of Consumer Finance
Rachel Springall Finance Expert
Caitlyn Eastell Personal Finance Analyst