When banks go beyond current accounts they tend to offer poor value.

Barclays is our most complained about bank, clocking up customer complaints at one a minute over the past six months, according to the Financial Services Authority. But it isn't the only bank to receive a slew of complaints. While Barclays notched up a quarter of a million complaints over the period, Lloyds TSB received 181,907, Santander had 168,888 and NatWest 147,109. In total, almost 10,000 complaints are filed each day to financial institutions - and banks, having the most customers, pick up the lion's share of these gripes.

The biggest cause of complaints is still mis-sold payment protection insurance (PPI), which is designed to cover loan or credit card repayments. But this isn't the only product that customers should give a wide berth to. Banks don't make their money offering the core products we need: current accounts, loans and mortgages. In recent years they've made far more money from selling various "extras", from insurance policies and investment bonds to offering "wealth management" advice.

While not all of these products will be poor value, many are. If you don't want to end up at the...Read more here--> Say no to your bank's hard sell - Telegraph