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Santander has shaken off the unwanted tag of being the worst bank for customer service, replaced by Bank of Scotland and Halifax. This is the first time since we began running these polls in August 2010 that the Spanish giant has been off the foot of the table, though it is still fourth worst overall.

Some 22% of rock-bottom Bank of Scotland's customers rate its service as poor, closely followed by sister bank Halifax.
Meanwhile, we split out Santander's top-paying 123 current account from the rest of the bank, on the back of good reports. It offers 3% in-credit interest on the whole balance if you have between ?3,000 and ?20,000, while it pays up to 3% cashback on everyday bills (see Santander 123 analysis). First Direct yet again topped the survey, followed, as usual, by Co-op Bank and Nationwide.

To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. A large 63% voted its service great, which, had it been a bank in its own right, would have made it fourth best.

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