Few consumer finance products are sold without the use of web technology these days, and for most of us logging on to the bank from home is a regular daily experience.

That goes whether you are checking your balance, opening a new bank account or applying for a new credit card - the experience is much more likely to be handled via the web than was once the case.

The level playing field the internet has introduced should make all of the above a doddle, or so you might expect. But latest research from Sitemorse shows that only a small percentage of the main players in the consumer finance sector have efficient websites, with less than ten per cent of the 264 we surveyed in April scoring more than 7 out of 10 in checks to quality, user experience, accessibility, performance and search engine optimisation - a result that mirrors previous benchmarks, the most recent of which was carried out in February.

An organisation's website is its main channel of communication and although the top banks surveyed clearly use this to their advantage, many of the others still have problems which possibly are being passed on to their customers. With most poorly-performing websites you can abandon the effort and move on - but this is not likely to be the case with your bank's site.

We reveal which banks are best, worst or something in between in our survey of the websites of the main players in the consumer finance sector, now available on the Sitemorse website . You will be able to see which sites are accessible to all users, which are the slow performers (once you stood in queues at the banks, now so often you 'click and wait' online) and which fail all of our tests.