Banks with instant payments: United Kingdom 2026 (10)

Banks with instant payments from our ranking (United Kingdom), in Score order. These banks support the national instant payment system. Limits and fees differ, so read the tariffs before you rely on it.

Banks in the United Kingdom 2026: a ranking built on verified facts

  1. 1

    Barclays

    93/100
    Licensed since
    1690
    Deposit protection
    Yes
    Agency rating
    Yes
    • Wide range of products for private customers
    • Long track record as a licensed bank
    • Member of a deposit protection scheme
    • Holds its own current rating from a recognised agency
  2. 2

    HSBC UK

    93/100
    Licensed since
    1836
    Deposit protection
    Yes
    Agency rating
    Yes
    • Wide range of products for private customers
    • Long track record as a licensed bank
    • Member of a deposit protection scheme
    • Holds its own current rating from a recognised agency
  3. 3

    NatWest

    85/100
    Licensed since
    1970
    Deposit protection
    Yes
    Agency rating
    Not verified
    • Wide range of products for private customers
    • Long track record as a licensed bank
    • Member of a deposit protection scheme
    • Publishes annual reports
  4. 4

    Metro Bank

    82/100
    Licensed since
    2010
    Deposit protection
    Yes
    Agency rating
    Yes
    • Member of a deposit protection scheme
    • Holds its own current rating from a recognised agency
    • Publishes annual reports
    • Has a mobile app
  5. 5

    The Co-operative Bank

    81/100
    Licensed since
    1872
    Deposit protection
    Yes
    Agency rating
    Yes
    • Long track record as a licensed bank
    • Member of a deposit protection scheme
    • Holds its own current rating from a recognised agency
    • Publishes annual reports
  6. 6

    Santander UK

    81/100
    Licensed since
    Not verified
    Deposit protection
    Yes
    Agency rating
    Yes
    • Wide range of products for private customers
    • Member of a deposit protection scheme
    • Holds its own current rating from a recognised agency
    • Publishes annual reports
  7. 7

    Nationwide

    78/100
    Licensed since
    Not verified
    Deposit protection
    Yes
    Agency rating
    Yes
    • Wide range of products for private customers
    • Member of a deposit protection scheme
    • Holds its own current rating from a recognised agency
    • Publishes annual reports
  8. 8

    Monzo

    74/100
    Licensed since
    2017
    Deposit protection
    Yes
    Agency rating
    No
    • Wide range of products for private customers
    • Member of a deposit protection scheme
    • Publishes annual reports
    • Has a mobile app
  9. 9

    TSB

    73/100
    Licensed since
    Not verified
    Deposit protection
    Yes
    Agency rating
    No
    • Wide range of products for private customers
    • Member of a deposit protection scheme
    • Publishes annual reports
    • Has a mobile app
  10. 10

    Starling Bank

    69/100
    Licensed since
    Not verified
    Deposit protection
    Yes
    Agency rating
    No
    • Member of a deposit protection scheme
    • Publishes annual reports
    • Has a mobile app
    • New customers can open an account without visiting a branch