TSB

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.

If you've not enough money in your account and a payment bounces, you may be able to avoid the associated fee as more banks are to adopt a 'retry' scheme from September where they'll attempt to process the transaction again later in the day.