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i had had the same bank account since i was 18 years old thats over 30 years of loyal custom that my bank had had from me that was until recently when i decided to leave i go through the reasons i finally decided to switch bank accounts to help you decide if now is the time for you to switch banks to before i share my experience heres a bit of information about the banking industry as it stands today what are challenger banks the banking industry in the uk is broadly divided into what you could call traditional banks are also known as high street banks and what are called challenger banks you may also see the challenger banks called neobanks or fintech as well i live in a typical british town with a typical british high street that still has several banks for example barclays hsbc santander nat west and my previous bank lloyds the main difference in the challenger banks is that they have latest technology that the more traditional banks lack or trying to keep up with and the challen