FSF Insight: Which current account providers have the best performing websites?

Alex Sword


The Financial Services Forum

FSF analysis shows that Santander, the largest net beneficiary of current account switches in Q4 2021, also has one of the best performing websites in the industry.

Santander achieved an A-grade on its homepage web performance, according to an analysis of the websites of the 19 current account providers on the FCA’s list. The bank gained 36,494 customers between October and December.

However, Nationwide, the second biggest gainer (33,691) only achieved a D-grade in the analysis. Its site was let down by slow loading speeds (eg 3.1 seconds for its largest content element to become visible) amongst other issues.

You can see the scores below:


A-grade (90%+)

Bank of Scotland

Clydesdale Bank

Cooperative Bank

Metro Bank




B-grade (80%+)

First Direct



Starling Bank

Tesco Bank

Yorkshire Bank


C-grade (70%+)



Virgin Money


D-grade (60%+)

Lloyds Bank




E-grade (50%+)

Royal Bank of Scotland


Methodology: Using the GTmetrix tool, we assessed the web page performance of the homepage of the 19 current account providers included on the FCA’s list. The GTmetrix grade assesses the overall performance of the web page for users, giving an overall percentage score.

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