Moneyfacts Business Star Ratings 2025 announced

Caitlyn Eastell, Apprentice Press & PR Assistant

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A stellar year for Moneyfacts Business Current Accounts and Business Credit Cards Star Ratings 2025

Moneyfacts is pleased to announce the Moneyfacts Annual Star Ratings 2025 for Business Current Accounts and Business Credit Cards.

For business current accounts there were 30 Five-Stars, up by eight on the previous year, with 10 Four-Star Ratings and 17 Three-Star Ratings, awarded for both accounts for all customers and those specifically for community banking.
There were eight Five-Star, one Four-Star and five Three-Star Ratings awarded across the whole business credit card market
Over 225 fields of information per individual product were collected for business current accounts and more than 230 fields of information per individual product were collected for business credit cards, all available for assessment.

The products awarded Five-, Four-, or Three-Star Ratings offer the most comprehensive range of standout features and competitive limits, which set them apart from the rest of the market.

Moneyfacts has been analysing data for more than 35 years, with the instantly recognisable Moneyfacts badge of quality helping inform consumers when comparing Business Current Accounts and Business Credit Cards.

Nine out of 10 people agree that a Star Rating from an independent and impartial company could influence their decision in considering taking out a Financial Services product.* (*Source: Moneyfacts Group Plc, Financial Services online consumer survey 2/25).

A stellar year for Moneyfacts Business Current Accounts and Business Credit Cards Star Ratings 2025

Moneyfacts is pleased to announce the Moneyfacts Annual Star Ratings 2025 for Business Current Accounts and Business Credit Cards.

For business current accounts there were 30 Five-Stars, up by eight on the previous year, with 10 Four-Star Ratings and 17 Three-Star Ratings, awarded for both accounts for all customers and those specifically for community banking.
There were eight Five-Star, one Four-Star and five Three-Star Ratings awarded across the whole business credit card market
Over 225 fields of information per individual product were collected for business current accounts and more than 230 fields of information per individual product were collected for business credit cards, all available for assessment.

The products awarded Five-, Four-, or Three-Star Ratings offer the most comprehensive range of standout features and competitive limits, which set them apart from the rest of the market.

VIEW THE FULL LIST OF 2025 AWARDED PRODUCTS – PLEASE CLICK HERE FOR BUSINESS CURRENT ACCOUNTS.

VIEW THE FULL LIST OF 2025 AWARDED PRODUCTS – PLEASE CLICK HERE FOR BUSINESS CREDIT CARDS.

VIEW THE FULL LIST OF 2025 AWARDED PRODUCTS – PLEASE CLICK HERE FOR BUSINESS CURRENT ACCOUNTS.

VIEW THE FULL LIST OF 2025 AWARDED PRODUCTS – PLEASE CLICK HERE FOR BUSINESS CREDIT CARDS.

Lee Tillcock, Managing Editor of Business Moneyfacts, said:

“The ongoing economic challenges of the past year have seen the continuing importance of products in the business current account and credit card sectors further emphasised. The impressive range of features offered to meet the needs of modern-day businesses means that there are plenty of options to consider when choosing a business current account – something that the sector and regulator are clearly keen to promote. The annual Moneyfacts Business Current Account Star Ratings provide businesses with valuable insight into the quality of the features on offer, before assessing the individual costs.

“It is also encouraging to see providers innovate and increase competition across the business credit card sector.

“Even as more businesses utilise business credit cards to assist them with keeping in control of expenses and keeping cash flow moving, it is still not easy for business customers to identify which deal will offer the best quality for their specific needs. It has been encouraging to see providers innovate and increase competition across the business credit card sector and by identifying the underlying features of a product, the annual Moneyfacts Business Credit Card Star Ratings ensure the business customer finds the most complete product in terms of flexibility and added extras, which will reward them over the longer term.”

Lee Tillcock, Managing Editor of Business Moneyfacts, said:

“It is also encouraging to see providers innovate and increase competition across the business credit card sector.

Numerous features are considered when assessing the ratings, and some of these include:

Business Current Accounts:

Flexibility

Account management
Card availability
Services from other banks and branches

Benefits

Loyalty bonus
Exclusive offers
Satisfaction guarantees
Emergency card
Preferential deals on other
financial products

Flexibility

Account management
Card availability
Services from other banks and branches

Benefits

Loyalty bonus
Exclusive offers
Satisfaction guarantees
Emergency card
Preferential deals on other
financial products

Features

Introductory offers
Credit interest
Overdraft availability
Standing charges
Cash withdrawal facilities and charges
Debit transaction charges
Credit transaction charges
Statement fees
Transfers and faster payments
Facilities and charges
Cash exchanging facilities and charges

Features

Introductory offers
Credit interest
Overdraft availability
Standing charges
Cash withdrawal facilities and charges
Debit transaction charges
Credit transaction charges
Statement fees
Transfers and faster payments
Facilities and charges
Cash exchanging facilities and charges

Business Credit Cards:

Flexibility

Opening & operating options
Payment options
Balance transfer availability
Contactless
Number of additional cards

Benefits

Card fees
Balance & money transfer fees
Cash withdrawal fees
Late payment charges
Foreign usage charges
Trace fees
Minimum interest charges
Dormancy fees
Replacement card fees

Flexibility

Opening & operating options
Payment options
Balance transfer availability
Contactless
Number of additional cards

Benefits

Card fees
Balance & money transfer fees
Cash withdrawal fees
Late payment charges
Foreign usage charges
Trace fees
Minimum interest charges
Dormancy fees
Replacement card fees

Features

Airport lounge access
Free emergency card
Free emergency cash
Interest-free days
Enhanced Purchase protection
Luggage insurance
Free text alerts
Cashback
Travel accident insurance
European/worldwide travel insurance
Flight cancellation/delay insurance
Medical insurance
Personal liability insurance

Features

Airport lounge access
Free emergency card
Free emergency cash
Interest-free days
Enhanced Purchase protection
Luggage insurance
Free text alerts
Cashback
Travel accident insurance
European/worldwide travel insurance
Flight cancellation/delay insurance
Medical insurance
Personal liability insurance

Notes to editors

Pioneering financial comparison technology for over 35 years.

Moneyfacts Group plc is the UK’s leading provider of retail financial product data. Used by virtually every bank and building society in the UK, and supplied to the Bank of England, Financial Conduct Authority, Financial Ombudsman Service, HM Treasury, Prudential Regulatory Authority and UK Finance.

Our expert research team monitors the thousands of mortgages, savings, credit card, personal loan, business banking, life, pension and investment products in the UK.

Moneyfacts’ Star Ratings highlight the best quality financial products available based on an assessment of all their features and criteria. Moneyfacts Star Ratings logos act as an independent and impartial badge of approval and help customers easily spot which are the better deals to help them make important decisions with confidence.

The growing range of products currently assessed includes:

Personal Current Accounts
Personal Credit Cards
Business Current Accounts
Business Credit Cards
SIPP and SSAS
Equity Release
Home Insurance
Home Emergency Cover
Car Insurance
Travel Insurance
Pet Insurance
Private Medical Insurance
Unsecured Personal Loans
Landlord Home Insurance
Commercial Mortgage.

The growing range of providers currently assessed includes:

Savings Easy to Open

For more information about us please see our key facts.

To link to our website please use moneyfactsgroup.co.uk.

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Notes to editors

Pioneering financial comparison technology for over 35 years.

Our expert research team monitors the thousands of mortgages, savings, credit card, personal loan, business banking, life, pension and investment products in the UK.

The growing range of products currently assessed includes: