Santander has once again been ranked the worst bank for service by an overwhelming margin, according to a poll of over 9,000 MoneySavingExpert.com users.
The Government has opted against setting up a state-backed Post Office Bank because it would be too time-consuming and expensive, ministers have announced.
Nearly two million Royal Bank of Scotland and Natwest customers must act to avoid having their current account transferred to Santander, or to get a £100 bonus if they want to switch to the Spanish giant.
A major credit card shake-up starts tomorrow with MBNA set to end a long-standing stealth charge that penalises those who spend on their card after making a cheap balance transfer.