Smile

More than 90% of First Direct's current account customers rate its service as 'great', so it's little wonder it has yet again secured the top spot in our biannual banking poll.

First Direct has secured top spot for bank customer service once again with more than 90% of its account holders rating its service as "great" - it has topped every bank service poll we've ever done. Meanwhile, Barclays picks up the wooden spoon for the first time.

Santander is now one of the best in MoneySavingExpert.com's index of banks by customer service – but its high ranking is only fuelled by its 123 account.

Many leading banks, insurers and energy companies are making existing customers pay to phone them while offering free numbers to new customers, consumer group Which? has found.

The Co-op and its sister bank Smile have become the latest current account providers to announce a rise in overdraft costs.