Britain's best and worst banks have been named in a new customer satisfaction survey - and the top three are all digital-only.
Online challenger banks Starling and Monzo topped the customer service poll, while online and telephone-based provider First Direct came third.
The survey carried out by consumer group Which? asked 4,500 people about their current account providers.
Starling Bank, Monzo and First Direct all ranked highly for their customer service, application process, communication and transparency over charges.
Starling Bank and First Direct were also named Which? recommended providers, alongside M&S bank.
However, it did not formally endorse Monzo as a recommended provider because it has yet to sign up to a voluntary industry code which reimburses blameless victims of bank transfer scams.
Tesco Bank and Citibank received the joint lowest customer score, with both earning just two stars for complaints handling.
Which? said RBS holds this year's unwanted record for the most two-star ratings in the survey, with customers criticising its telephone service, account benefits, complaints handling, branch service and overall customer service.
Which? money editor Jenny Ross said: "The leading challenger banks have cemented their position ahead of many of the UK's biggest banking brands in terms of customer satisfaction, showing that innovation and modern ideas are shaking up the market. However, it's still good service that is truly valued by customers."
Customer service scores - ranked
Starling Bank, 88%
Monzo, 82%
First Direct, 79%
Metro Bank, 78%
M&S Bank, 77%
Revolut, 77%
Nationwide, 74%
Halifax, 70%
Lloyds Bank, 69%
NatWest, 69%
Barclays Bank, 68%
The Co-op Bank, 68%
13. Smile, 67%
14. Danske Bank, 66%
HSBC, 65%
Bank of Scotland, 64%
Santander, 63%
TSB, 63%
Bank of Ireland, 62%
Ulster Bank, 62%
RBS, 61%
Virgin Money, 61%
Citibank, 60%
Tesco Bank, 60%
