Which bank do you use for your main account?

steven141

Middle_of_the_Road

NatWest (incl. Royal Bank of Scotland, Coutts & Ulster Bank)

NatWest for over 30 years.

Also use Santander as a main account since 2023

Two of the best I feel. Lloyds used to be good, but now too complicated with the crosstalk between brands.

14 other accounts held for reg saver qualification, and results of switch bonuses.

UKX69

NatWest (incl. Royal Bank of Scotland, Coutts & Ulster Bank)

NatWest for over 50 years. Very rarely had a problem. Only gripe: just closed the local branch.

oldagetraveller1

Lloyds (including Halifax and Bank of Scotland)

Lloyds for 20 years. "Only gripe: just closed the local branch." Me too.

Before Lloyds - smile.

Rob5342

Monzo

https://forums.moneysavingexpert.com/discussion/comment/82094058#Comment_82094058

How often did you use the branch?

GeoffTF

My Santander account has been my main account since it was Abbey National Building Society.

eskbanker

For what it's worth, the top five customer bases are apparently:

Lloyds Banking Group 28 million

Nationwide 24.5 million

Barclays 20 million

NatWest Group 20 million

HSBC 15.3 million

Source:  https://www.finder.com/uk/banking/banking-statistics#what-are-the-biggest-banks-in-the-uk-by-market-share

However, this doesn't go as far as 'main account' status, and may not even differentiate between current accounts and savings ones…

Fingerbobs

Santander (including TSB)

Somewhat difficult to choose, because I have several accounts that are "main" for different purposes, but I picked the one that the majority of my direct debits come out of, which is Santander.

Jemma01

HSBC UK (including First Direct)

What's your definition of main account?

confederated

NatWest (incl. Royal Bank of Scotland, Coutts & Ulster Bank)

https://forums.moneysavingexpert.com/discussion/comment/82094532#Comment_82094532

I would have thought that was obvious - it's the account that receives your salary/pension and on which your direct debits are lodged. For the vast majority of people that would be their main account. On here, though, who knows - a trend waiting to be bucked, no doubt.

Jemma01

HSBC UK (including First Direct)

https://forums.moneysavingexpert.com/discussion/comment/82094601#Comment_82094601

you see its only obvious because that's what you do, because what i'd call obvious is separating the income account from the transactions. Surely everyone learnt from scammers getting access to transaction accounts!? No!? I'd be crazy to put my ebay and temu transactions on my income account! Not even bills go there.

Mortgage lenders ask for bank statements, I wouldn't give them my transactions account, they just need to see my income + savings.