Transparency data

Basic bank accounts: July 2023 to June 2024

The ninth publication of data on the UK basic bank account market.

• From: HM Treasury
• Published: 5 November 2025

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Basic bank accounts: July 2023 to June 2024

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Basic bank accounts: July 2023 to June 2024

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Details

A basic bank account is a transactional bank account which is fee-free for standard operations. The nine largest personal current account providers are designated to provide basic bank accounts that comply with the Payment Accounts Regulations 2015 (PARs).

These firms are: Barclays UK, The Co-operative Bank, HSBC UK, Lloyds Banking Group (including Halifax and Bank of Scotland brands), Nationwide Building Society, NatWest Group (including RBS and Ulster brands), Santander UK, TSB and Virgin Money (formerly Clydesdale & Yorkshire Bank).

Banks have agreed to report data on basic bank accounts to the Treasury for annual publication. This is the ninth publication.

Published 5 November 2025