Banks all offer pretty much the same services and products, like UK current accounts, so how we go about choosing one is a mystery to researchers. It seems that we latch on to a brand and then stick to it like glue for life. Indeed, there is more chance you will switch your spouse than switch your personal bank account to another one amongst the range of UK current accounts.

One area of exciting innovation is Internet banking, offering the same services and products as the High Street, but claiming to be better value because of lower overheads. There is the added advantage that you can perform most of your bank account maintenance from your home at any time of the day or night, cutting out the need to go to a branch. They also offer finance calculators.

There are some security worries about Internet banking UK (including online business banking), but the banks claim that their encryption (coding) procedures make it almost impossible for hackers to access account details. This is a topic of heated debate in the Internet banking UK sector.

If you want to do your banking with an organisation that does not have shareholders to appease, there are over 60 building societies, ranging from one-branch locals to the Nationwide Building Society, which is the biggest in the UK. Most of these banks offer UK current accounts, although some will insist on you being a member of the society before you can sign up.

If you are thinking of looking for a bank to choose a product among the range of UK current accounts, or changing to a new bank, or opening an online account to take advantage of Internet banking UK, building societies, business banking UK or direct banking, check-out our best buy tables and product comparisons. The handy finance calculators will enable you to make the best choice and could save money.