Discover more about our Ready-Made Investments
 

Your bank in your pocket

Join the 1 million customers who already use our highly rated app.

More about the app

 

Your bank in your pocket

Join the 1 million customers who already use our highly rated app.

More about the app

Our products

Ready-Made Investments

Investing made easy with our award-winning Ready-Made Investments. Start from as little as £50 per month, or a £500 lump sum. Select your risk level and leave the rest to the experts to manage your investments for you. Track it all on our app or Internet Banking.

Capital at risk. Terms and conditions apply.

Ready-Made Investments

Investing made easy with our award-winning Ready-Made Investments. Start from as little as £50 per month, or a £500 lump sum. Select your risk level and leave the rest to the experts to manage your investments for you. Track it all on our app or Internet Banking.

Capital at risk. Terms and conditions apply.

Managed by experts

Your investments are managed by our experts, so you don’t have to pick your own stocks and shares.

Expert Ready-Made Investments

Simple and affordable

You can start investing from as little as £50 per month, or a £500 lump sum. Our flat rate account fee of £3 a month could help you keep more of your money.

Investing made easy

Investing made easy

Choose your risk level, cautious, balanced or progressive. Decide what option is right for you and the experts will manage the rest.

Select your investments

Track it all on our app

View, adjust, and top up your investments using Internet Banking or on our app, just like your everyday banking.

Start investing now​

Ready-Made Investments

Investing made easy with our award-winning Ready-Made Investments. Start from as little as £50 per month, or a £500 lump sum. Select your risk level and leave the rest to the experts to manage your investments for you. Track it all on our app or Internet Banking.

Capital at risk. Terms and conditions apply.

Ready-Made Investments

Investing made easy with our award-winning Ready-Made Investments. Start from as little as £50 per month, or a £500 lump sum. Select your risk level and leave the rest to the experts to manage your investments for you. Track it all on our app or Internet Banking.

Capital at risk. Terms and conditions apply.

Managed by experts

Your investments are managed by our experts, so you don’t have to pick your own stocks and shares.

Expert Ready-Made Investments

Simple and affordable

You can start investing from as little as £50 per month, or a £500 lump sum. Our flat rate account fee of £3 a month could help you keep more of your money.

Investing made easy

Investing made easy

Choose your risk level, cautious, balanced or progressive. Decide what option is right for you and the experts will manage the rest.

Select your investments

Track it all on our app

View, adjust, and top up your investments using Internet Banking or on our app, just like your everyday banking.

 

Start investing now​

Customer support

Customer support

Learn about the latest scams

Even if you think you know all their tricks, fraudsters are using new ones all the time.
We’re here to help.

Find out which scams are common right now, how they work and the steps you can take to stay safe.

See the latest scams

Get support from our Help Centre

We have a range of guides and tools to help you through life’s challenges. From support with the cost of living to bereavement, we are here.

Help Centre

Reach your savings goal

Whether you're planning a large expense, or you just want the peace of mind that you've got a financial safety net in place, our savings calculator can help.

Savings calculator

Overdrafts

An arranged overdraft can act as a short-term safety net – a helping hand to deal with the unexpected.

Learn more about overdrafts

Disability support

To make banking easier for you, we’re by your side with expert advice, support and guidance.

How we can support you
 

Avoid losing your old pensions

Combine them into a Ready-Made Pension.

View and track them alongside your everyday banking - all in one place. Bringing them together could make life easier.

And when the time's right, you can choose how to access your savings - all in one place.

Combine your old pensions

Capital at risk.

Banking online

It's simple and safe in our app or on our website.

Mobile Banking app

Scan to download the app

  • Join our 1 million app users.
  • Simple and secure log in.
  • Stay up to date with notifications.
More about the app

Internet Banking

Log in to view or rearrange your accounts on our website.

Register

Login

Mobile Banking app

Scan to download the app

  • Join our 1 million app users.
  • Simple and secure log in.
  • Stay up to date with notifications.
Download app

Internet Banking

Log in to view or rearrange your accounts on our website.

Register

Login

Independent service quality survey results

Independent service quality survey results

Personal current accounts


 

Published August 2024

As part of a regulatory requirement, an independent survey was conducted to ask approximately 1,000 customers of each of the 17 largest personal current account providers if they would recommend their provider to friends and family. The results represent the view of customers who took part in the survey.

Overall service quality

We asked customers how likely they would be to recommend their personal current account provider to friends and family.

Ranking
Personal current accounts Overall service quality survey results.  Ranking 1st place monzo 80%, 2nd place Starling Bank 79%, 3rd place Chase 78%, 4th place first direct 74%, 5th place Nationwide 70%, 9th place Bank of Scotland 62%

View the full set of results

The requirement to publish the Financial Conduct Authority Service Quality Information for personal current accounts can be found here.

CMA results

Authorised push payment (APP) scams rankings in 2023

 Authorised push payment (APP) scams happen when someone is tricked into transferring money to a fraudster’s bank account. These charts use data given to the Payment Systems Regulator by major banking groups in the UK in 2023. You can read the full report by visiting psr.org.uk/app-fraud-data

Share of APP scams refunded.
This is the proportion of total APP fraud losses that were reimbursed, ranked out of 14 firms.




APP scams sent per £million transactions.
This is the amount of money sent from the victim's account to the scammer, ranked out of 14 firms.
For example, for every £1 million of Bank of Scotland, Halifax & Lloyds Bank transactions sent in 2023, £228 was lost to APP scams.

 

APP scams received per £million transactions: smaller UK banks and payment firms.     
This is the amount of money received into the scammer's account from the victim, ranked out of all UK banks and payment firms.
For example, for every £1 million received into consumer accounts at Skrill, £18,550 of it was APP scams.

 

APP scams received per £million transactions: major UK banks and building societies.
This is the amount of money received into the scammer's account from the victim, ranked out of all UK banks and payment firms.
For example, for every £1 million received into consumer accounts at Bank of Scotland, Halifax & Lloyds Bank, £128 of it was APP scams.

 

Bank of Scotland is part of the same group which includes Lloyds Bank and Halifax. The data shown here is a combination of these three brands.

 

We've put together some further guidance to help with any questions you may have.

 

Bank of Scotland is part of the same group which includes Lloyds Bank and Halifax. The data shown here is a combination of these three brands.

 

We've put together some further guidance to help with any questions you may have.