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Average Personal Banking Advisor Salary in United Kingdom for 2026

A personal banking advisor in United Kingdom earns about 59,700 GBP a year. That's 14% below the national average of 69,700 GBP.

Pay ranges widely from country to country and from role to role. The lowest reported salaries in United Kingdom sit around 27,300 GBP a year, while the very top stretches to 94,300 GBP. Everything on this page is in British pound (GBP, symbol £), which lets you compare numbers like-for-like without worrying about exchange rates.

The numbers here are pulled together from official government wage data, large independent salary surveys, and aggregated worker-reported pay. Most reported salaries include the benefits that are common in United Kingdom, such as housing or transport allowances, which is worth keeping in mind if you're comparing against a country where those are usually paid on top.

To turn a gross salary in United Kingdom into a take-home figure, use our United Kingdom salary after tax calculator, which works the latest tax brackets and contributions through the math for you.

How much does a personal banking advisor make in United Kingdom?

Average salary
59,700 GBP
4,975 GBP per month
Lowest reported
27,300 GBP
2,275 GBP per month
Highest reported
94,300 GBP
7,858 GBP per month

A typical personal banking advisor working in United Kingdom brings home around 4,975 GBP a month before tax. Entry-level pay starts near 27,300 GBP, and the top of the ladder reaches roughly 94,300 GBP for the most experienced and specialised people in the role.

The wide gap between low end and top end reflects how much pay can vary inside the same job title. A junior personal banking advisor working at a small local employer earns very different money from a senior at a multinational. Skills, employer, city and years in the seat all push the number around. For a cross-country comparison, see the personal banking advisor salary in Guernsey or Jersey, both of which pay in the same currency.

How personal banking advisor pay ranges in United Kingdom

A good way to think about salary in United Kingdom is to look at the distribution rather than the headline average. Half of all personal banking advisors in United Kingdom earn less than 64,300 GBP a year, and the other half earn more. That middle number is the median, and it is usually more useful than the average for answering "is my pay normal here".

Looking at the quartiles fills in the picture. A quarter of earners take home less than 39,500 GBP (the 25th percentile), and a quarter clear 83,800 GBP (the 75th percentile). The middle 50% of personal banking advisors sit somewhere inside that band, which is where the typical reader of this page probably lives.

The very lowest reported salaries sit around 27,300 GBP. The highest stretch to 94,300 GBP, though only a small fraction of earners ever reach that level. If you are deciding whether your own offer or current pay is reasonable, work out which of those four bands you would fall into and use that as your reference point.

27,300
Low
64,300
Median
94,300
High
39,500
25th
83,800
75th
The middle 50% sit between the 25th and 75th percentile Tails are the lowest and highest reported All figures in GBP

Personal banking advisor pay by experience in United Kingdom

Years of experience is the single biggest lever on pay for a personal banking advisor in United Kingdom, ahead of education and almost any other single factor. The longer you have been in the role, the more your employer can trust you to handle complexity, mentor others and act independently, all of which command higher pay. The chart below shows how the typical personal banking advisor salary changes as you move through the career ladder.

  • 0-2 Years
    30,100 GBP
  • 2-5 Years
    +29% from previous
    38,900 GBP
  • 5-10 Years
    +54% from previous
    60,000 GBP
  • 10-15 Years
    +20% from previous
    71,700 GBP
  • 15-20 Years
    +13% from previous
    80,700 GBP
  • 20+ Years
    +5% from previous
    84,800 GBP

The single largest jump on the ladder is from 2 - 5 Years to 5 - 10 Years, where pay rises by about 54%. That is the point at which a personal banking advisor typically goes from "competent in the role" to "the person other people in the team learn from", and the market pays well for that step.

Personal banking advisor pay by education in United Kingdom

Education sits alongside experience as one of the biggest factors driving personal banking advisor pay in United Kingdom. Higher qualifications consistently pull higher salaries, but the size of the gap tends to be smallest at junior levels and widens as people move up. Two people in the same role with the same years of experience but different degrees can end up earning very different money once they reach mid-career.

Below is the average personal banking advisor salary in United Kingdom broken down by the highest level of education a worker has completed.

  • Certificate or Diploma
    35,300 GBP
  • Bachelor's Degree
    +55% from previous
    54,700 GBP
  • Master's Degree
    +68% from previous
    92,100 GBP

Personal banking advisor gender pay gap in United Kingdom

The gender pay gap is a stubborn feature of almost every labour market, and United Kingdom is no exception. Male personal banking advisors in United Kingdom earn an average of 61,400 GBP a year, while female personal banking advisors earn around 57,900 GBP. That works out to a 6% gap in favour of men, even when comparing people doing the same work.

A pay gap of this size has a real long-term cost. Over a typical thirty-year career it can add up to several years of pay, and it compounds through pensions, retirement contributions and bonus-linked stock. Some of the gap is explained by women being more likely to work part-time, take career breaks, or be steered toward lower-paying specialisations. Some of it is straightforward unequal pay for the same job, which is harder to defend.

Personal Banking Advisor gender pay gap

6%

Men earn this much more than women on average in United Kingdom.

Men 61,400 GBP
Women 57,900 GBP

Pay raises for a personal banking advisor in United Kingdom

Most countries hand out at least some kind of pay raise every year, typically when an employee's contract is reviewed or as a cost-of-living adjustment to keep wages roughly in step with inflation. The rhythm and size of those raises varies hugely between industries.

A typical worker doing this role in United Kingdom sees a raise of about 12% every 14 months, which works out to roughly 10% on an annual basis. That figure is the typical underlying rate; in years where inflation runs high you can usually expect a bit more, and in flat-economy years a bit less.

Across all jobs in United Kingdom, the national average raise is around 9% every 15 months.

By industry

Industries with the highest pay raises in United Kingdom:

  • Banking
  • Energy
  • Information Technology
  • Healthcare
  • Travel
  • Construction
  • Education

By experience level

Experienced workers tend to see larger raises. Retaining a senior is cheaper than replacing them, so employers fight harder for them.

  • Junior Level
    3% - 5%
  • Mid-Career
  • Senior Level
  • Top Management

Personal banking advisor bonus rates in United Kingdom

Bonuses are the other half of total compensation, and they vary a lot between jobs and industries. Some roles are paid almost entirely in base salary; others lean heavily on bonus structures tied to revenue, project completion or company performance. Whether a job pays a bonus, how big it is, and how often it lands all factor into whether the headline salary is actually a good offer.

86%

86% of personal banking advisors in United Kingdom reported a bonus of some kind in the past twelve months. That makes a personal banking advisor a high-bonus role overall, which is useful context when you're weighing up a job offer where the base is below market.

Among those who did receive a bonus, the size of the payment varied substantially. Reported bonuses ranged from 5% to 9% of base salary. The remaining 14% of personal banking advisors reported no bonus at all over the same period.

Which careers pay bonuses in United Kingdom

Revenue-facing roles tend to pay the biggest bonuses. Operational and support roles tend toward smaller, more predictable ones.

  • Finance
  • Architecture
  • Sales
  • Business Development
  • Marketing / Advertising
  • Information Technology
  • Healthcare
  • Insurance
  • Customer Service
  • Human Resources
  • Construction
  • Transport
  • Hospitality

Personal banking advisor: public vs private sector pay

Public-sector pay in United Kingdom is about 7% more than private-sector pay for similar work. The private sector typically offers stronger upside and bigger bonuses; the public sector typically offers better benefits and stability.

Public vs private pay gap

6%

Public-sector workers earn this much more than private-sector workers in United Kingdom on average.

Public sector 72,700 GBP
Private sector 68,200 GBP

Personal banking advisor salary by city and region in United Kingdom

Personal banking advisor pay is not even across United Kingdom. The chart below shows the highest-paying cities and regions in the dataset, followed by the full location table.

  • England
  • Scotland
  • Glasgow
  • London
  • Manchester
  • Liverpool
  • Leeds
  • Cardiff
  • Somerset
  • Sheffield
LocationTypeAverageMedianRange
EnglandRegion112,700 GBP121,800 GBP52,000-177,100 GBP
ScotlandRegion84,900 GBP91,700 GBP39,100-130,400 GBP
GlasgowCity69,400 GBP71,700 GBP30,200-109,000 GBP
LondonCity67,800 GBP73,300 GBP30,200-109,000 GBP
ManchesterCity67,200 GBP71,400 GBP30,000-107,300 GBP
LiverpoolCity66,900 GBP69,800 GBP30,100-105,800 GBP
LeedsCity66,900 GBP70,000 GBP30,800-102,700 GBP
CardiffCity66,700 GBP70,700 GBP29,600-105,800 GBP
SomersetCity66,400 GBP74,100 GBP32,900-107,700 GBP
SheffieldCity66,400 GBP71,400 GBP29,100-107,300 GBP
BirminghamCity65,500 GBP68,400 GBP30,800-103,600 GBP
EdinburghCity65,100 GBP69,400 GBP28,900-105,200 GBP
NewcastleCity64,600 GBP67,800 GBP29,200-103,600 GBP
LeicesterCity63,900 GBP70,000 GBP30,800-100,700 GBP
DerbyCity63,900 GBP68,900 GBP27,300-100,700 GBP
CoventryCity63,700 GBP68,200 GBP29,200-102,700 GBP
BristolCity63,700 GBP68,200 GBP29,200-102,700 GBP
Kingston upon HullCity62,500 GBP65,800 GBP29,000-98,800 GBP
BradfordCity62,100 GBP65,800 GBP29,000-95,600 GBP
SouthamptonCity61,700 GBP66,400 GBP28,900-101,400 GBP
BelfastCity61,600 GBP66,900 GBP26,900-99,100 GBP
BrightonCity61,400 GBP63,400 GBP26,100-94,400 GBP
AberdeenCity61,400 GBP63,700 GBP25,800-95,500 GBP
WolverhamptonCity61,400 GBP63,700 GBP25,800-94,200 GBP
PortsmouthCity61,400 GBP63,700 GBP25,800-94,200 GBP
PlymouthCity59,100 GBP64,900 GBP25,800-95,100 GBP
NottinghamCity59,100 GBP64,900 GBP26,100-95,100 GBP
ExeterCity58,800 GBP63,200 GBP25,500-93,600 GBP
NorwichCity58,800 GBP64,800 GBP25,500-94,500 GBP
NewportCity58,800 GBP64,200 GBP29,600-94,800 GBP
NewryCity58,600 GBP62,100 GBP27,800-90,300 GBP
ArmaghCity58,600 GBP61,700 GBP27,300-90,900 GBP
YorkCity58,400 GBP64,900 GBP26,500-95,100 GBP
DundeeCity58,200 GBP64,100 GBP27,300-92,900 GBP
PooleCity57,900 GBP61,600 GBP24,800-92,300 GBP
PeterboroughCity57,800 GBP63,000 GBP25,800-91,600 GBP
LincolnCity57,800 GBP61,800 GBP25,800-92,200 GBP
SwanseaCity57,400 GBP63,900 GBP27,000-94,100 GBP
OxfordCity57,100 GBP62,500 GBP26,600-91,700 GBP
StirlingCity56,600 GBP61,200 GBP27,000-93,100 GBP
ChesterCity56,100 GBP58,800 GBP25,700-86,100 GBP
DurhamCity55,200 GBP58,800 GBP24,200-90,000 GBP
GloucesterCity55,200 GBP59,000 GBP26,400-86,800 GBP
InvernessCity55,100 GBP59,500 GBP23,700-85,700 GBP
TruroCity54,700 GBP58,500 GBP23,600-86,300 GBP
Northern IrelandRegion54,700 GBP58,500 GBP23,600-86,100 GBP
DerryCity54,600 GBP60,200 GBP27,400-90,000 GBP
HartlepoolCity54,600 GBP58,600 GBP25,400-83,000 GBP
St DavidsCity54,600 GBP56,400 GBP25,400-86,100 GBP
CanterburyCity54,300 GBP55,300 GBP24,200-83,800 GBP
BangorCity54,300 GBP55,300 GBP24,200-83,800 GBP
CambridgeCity54,200 GBP60,100 GBP27,600-87,900 GBP
WalesRegion54,100 GBP61,400 GBP24,400-88,000 GBP
SalisburyCity53,800 GBP60,400 GBP23,600-86,600 GBP
LisburnCity53,800 GBP60,400 GBP23,600-86,600 GBP
RiponCity53,600 GBP57,800 GBP22,400-82,200 GBP
AbingdonCity52,800 GBP58,400 GBP23,600-87,000 GBP
WakefieldCity52,000 GBP57,000 GBP22,400-83,400 GBP
KirkwallCity51,900 GBP57,800 GBP24,800-83,700 GBP
WinchesterCity51,300 GBP55,200 GBP23,300-84,200 GBP
StrontianCity50,000 GBP50,600 GBP23,800-75,800 GBP
StromnessCity49,700 GBP53,300 GBP22,100-76,900 GBP
WellsCity49,300 GBP54,600 GBP23,800-79,700 GBP

Personal Banking Advisor in United Kingdom: FAQs

  • How much does a personal banking advisor make per month in United Kingdom?

    A personal banking advisor in United Kingdom earns about 4,975 GBP a month before tax, based on an annual average of 59,700 GBP.

  • What's the salary range for a personal banking advisor in United Kingdom?

    Entry-level personal banking advisors in United Kingdom start near 27,300 GBP. Top-end pay reaches around 94,300 GBP. The middle 50% of earners sit between 39,500 and 83,800 GBP.

  • Is the median personal banking advisor salary in United Kingdom higher or lower than the average?

    The median is 64,300 GBP, higher than the average of 59,700 GBP. Half of personal banking advisors in United Kingdom earn below the median, half earn above it.

  • What's the gender pay gap for personal banking advisors in United Kingdom?

    Men working as a personal banking advisor in United Kingdom earn around 6% more than women on average (61,400 vs 57,900 GBP a year).

  • Do personal banking advisors in United Kingdom get bonuses?

    About 86% of personal banking advisors in United Kingdom reported a bonus in the past 12 months. Reported bonuses ranged from 5% to 9% of base salary.

  • Do personal banking advisors earn more in the public or private sector in United Kingdom?

    In United Kingdom, the public sector pays a personal banking advisor about 7% more on average. Public-sector pay tends to be steadier; private-sector pay tends to offer bigger upside.

  • How often do personal banking advisors in United Kingdom get a pay raise?

    A personal banking advisor in United Kingdom sees a raise of around 12% every 14 months, equivalent to roughly 10% a year.