If you've lost faith with your bank because you blame it for the financial crisis, or are upset with corporate greed, or have just had enough of their IT problems, you don't really have many alternatives.
The UK's biggest five banks - Barclays, Lloyds, HSBC, RBS and Santander - dominate the marketplace. Excluding Santander, the other four banks together have 85% of the personal current account market.
Labour leader Ed Miliband wants to reshape the banking landscape. He is calling for existing banks to be forced to sell off hundreds of branches, thereby increasing the number of main UK banks by adding at least two new "challenger" banks.
Mr Miliband's view is that more banking competition would lead to more consumer choice and ultimately lower charges.
The UK did once have a much more diverse banking landscape. But wholesale demutualisation of building societies in the 1990s, together with the subsequent 2008 financial crisis, has seen many of the mutuals and the competition that went with them disappear as they were absorbed into bigger companies.
Last month, business secretary Vince Cable described the building societies' demutualisation as "one of the greatest acts of economic vandalism in modern times", leading to commercial banks "abandoning locally based relationship banking in the decade before the recent financial crisis".
Britain now has just 47 building societies, from the biggest - Nationwide and the Yorkshire - to small, local societies that have only a few thousand members. That's a far cry from the 481 that existed in 1970.
To get back to this level of banking variety, observers say actions will need to go a lot further than Mr Miliband has suggested.
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