The consumer champion's annual round-up of Which? member satisfaction surveys reveals their best and worst financial brands in four key areas - current accounts, savings, credit cards and mortgages. First Direct, One Account and Smile scored best, leaving Bank of Scotland, Halifax and Santander at the bottom of the table.
Excellent customer service remains key to keeping customers happy, as First Direct came top in three satisfaction surveys - current accounts, savings and mortgages - giving it an overall score of 82%. Current account mortgage experts, One Account, came in second with a score of 81%, while Smile came third with 79%.
Consumers looking for happy banking should steer clear of banks owned by the Lloyds Banking Group, as Bank of Scotland and Halifax both sit at the bottom of the table, and Lloyds TSB and Cheltenham & Gloucester don't score much better.
Commenting, Which? chief executive, Peter Vicary-Smith said: "Whether it's a current account, mortgage, credit card or savings account, we consistently see the same names keeping their customers happy.
"Time and again, the big high street banks are found to be lacking when it comes to good customer service. People who are unhappy with their bank must vote with their feet and move to a better financial provider."
