The Competition & Markets Authority (CMA) compared satisfaction ratings from the consumer group Which? with personal current account prices at different banks.
Barclays and HSBC were somewhere in the middle, with lower than average prices but below-average quality.
The findings were published this morning as part of the CMA's preliminary results from its 18-month investigation into the retail banking sector. The watchdog originally launched the investigation over concerns that the so-called Big Four - Lloyds, RBS, HSBC and Barclays - had an overwhelming 77 per cent market share of active current accounts.