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Financial Services in the UK

Sector average score

White star

65

Knowledge & Expertise

64

Style of Communication

69

Speed of Resolving Problems

63

Valuing the Customer

67

Nationwide has made it seven straight quarters at the top of the Customer Effort Index and – after a dicey moment last quarter when First Direct caught up – the brand now has the space back to itself.

Elsewhere, we’ve seen Bank of Scotland rise from seventh to joint fourth, Monzo from 12th to joint eight and Royal Bank of Scotland climb out of last place to take 14th alongside Virgin Money.

Rankings

The Rankings

Performance Tracker

Performance Tracker

Rank

1

Knowledge & Expertise

73

Style of Communication

77

Speed of Resolving Problems

71

Valuing the Customer

76

2

Knowledge & Expertise

72

Style of Communication

77

Speed of Resolving Problems

68

Valuing the Customer

73

3

Knowledge & Expertise

70

Style of Communication

72

Speed of Resolving Problems

68

Valuing the Customer

72

4

Knowledge & Expertise

68

Style of Communication

71

Speed of Resolving Problems

65

Valuing the Customer

70

4

Knowledge & Expertise

67

Style of Communication

72

Speed of Resolving Problems

66

Valuing the Customer

68

6

Knowledge & Expertise

65

Style of Communication

69

Speed of Resolving Problems

66

Valuing the Customer

70

6

Knowledge & Expertise

63

Style of Communication

72

Speed of Resolving Problems

67

Valuing the Customer

69

8

Knowledge & Expertise

64

Style of Communication

64

Speed of Resolving Problems

65

Valuing the Customer

69

8

Knowledge & Expertise

64

Style of Communication

71

Speed of Resolving Problems

62

Valuing the Customer

67

10

Knowledge & Expertise

63

Style of Communication

71

Speed of Resolving Problems

61

Valuing the Customer

65

11

Knowledge & Expertise

63

Style of Communication

62

Speed of Resolving Problems

63

Valuing the Customer

67

11

Knowledge & Expertise

63

Style of Communication

68

Speed of Resolving Problems

60

Valuing the Customer

65

13

Knowledge & Expertise

58

Style of Communication

65

Speed of Resolving Problems

60

Valuing the Customer

63

14

Knowledge & Expertise

62

Style of Communication

67

Speed of Resolving Problems

57

Valuing the Customer

61

14

Knowledge & Expertise

54

Style of Communication

68

Speed of Resolving Problems

57

Valuing the Customer

61

16

Knowledge & Expertise

60

Style of Communication

62

Speed of Resolving Problems

53

Valuing the Customer

61

Effort

i

X

Effort

The Overall Effort Score is calculated using modelling on the results recorded in each of the four pillars

74

72

70

68

68

67

67

65

65

64

63

63

62

60

60

58

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Knowledge & Expertise

i

X

Knowledge & Expertise

Having knowledgable customer service agents that can clearly explain details to customers impacts the score in the ‘Knowledge & Expertise’ pillar

73

72

70

68

67

65

63

64

64

63

63

63

58

62

54

60

Style of Commun-
ication

i

X

Style of Communication

How polite customer service staff are and whether they can communicate in a customers’ chosen language contribute to ‘Style of Communication’ 

77

77

72

71

72

69

72

64

71

71

62

68

65

67

68

62

Speed of Resolving Problems

i

X

Speed of Resolving Problems

A quick resolution and short holding times ensure a strong ‘Speed Solving the Problem’ score

71

68

68

65

66

66

67

65

62

61

63

60

60

57

57

53

Valuing the Customer

i

X

Valuing the Customer

Companies that make their customers feel valued and understand their needs perform well in the ‘Understanding & Valuing the Customer’ pillar

76

73

72

70

68

70

69

69

67

65

67

65

63

61

61

61

NPS

i

X

NPS

NPS scores can be used to compare and contrast with Effort for an additional perspective

2

-35

-5

-9

-47

-19

-38

-30

-21

-17

-43

-15

-27

-34

-46

-49

+

+

+

+

+

+

+

+

+

+

+

+

+

+

+

+

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Last updated: Jul 2025

Next update: Oct 2025

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Executive summary

  • What’s Nationwide’s and First Direct’s secret in the Style of Communication pillar? These two brands are +5 above the next nearest competitor. The next 11 brands in the table are then within four points of each other. What are these two frontrunners doing to be so successful?
  • We say

    ‘Style of Communication’ is hinged on how politely agents communication and how readily available brands make other languages. Nationwide and First Direct score above and beyond in these metrics, demonstrating that other brands should focus on these markers to keep competitive.

How to use the Customer Effort Index

Customer Effort Scores for the quarter are presented in the rankings, ordered by highest Overall Effort Score first, to show which brand scored highest with its customers for that period. Individual brand ratings against the four pillars take us underneath that Overall Effort Score, with brand-specific explanatory analysis from the CEI Editorial team.

You can use the display above to toggle between score, ranking and individual pillars. Clicking 'Performance Tracker'  enables you to analyse the performance over time.

The Customer Effort Index is calculated using a self-referential scale that is recomputed every wave based on what the minimum and maximum values are. This enables us to see how each brand is performing compared to the others within the data set. See About for more on the methodology. 

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