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Which? says banking online does not suit everyone
Banks have been urged to provide online access inside branches to help avoid "digitally excluded" customers missing out on the best deals.
A report from Which? magazine said online savers on average earned 37% more interest than those who only had branch-based accounts.
And it said travel insurance was up to 355% more expensive to buy in person.
The British Bankers' Association said banks reserved the right to offer the best deals where they could.
Which? said branch-based instant access accounts paid 0.65% a year on average compared to 1.14% for web savers.
Investors could get a one-year fixed-rate bond at an average of 2.58% over the internet, but just 2.34% in a branch.
Interest rates for online Isas averaged 1.84%, which fell to 1.53% for branch-based products.
Government figures suggest that up to four million people are "digitally excluded", meaning they do not have or cannot afford internet access.
Which? chief executive Peter Vicary-Smith said: "Not everyone is comfortable or able to manage their finances online and these people are missing out on the best deals as a result.
"Banks should be more inclusive by offering terminals in branches where customers could access online deals, with some help from staff."
This article is from the BBC News website. ? British Broadcasting Corporation, The BBC is not responsible for the content of external internet sites.
Which? says banking online does not suit everyone Banks have been urged to provide online access inside branches to help avoid "digitally excluded" customers missing out on the best deals.
A report from Which? magazine said online savers on average earned 37% more interest than those who only had branch-based accounts.
And it said travel insurance was up to 355% more expensive to buy in person.
The British Bankers' Association said banks reserved the right to offer the best deals where they could.
Which? said branch-based instant access accounts paid 0.65% a year on average compared to 1.14% for web savers.
Investors could get a one-year fixed-rate bond at an average of 2.58% over the internet, but just 2.34% in a branch.
Interest rates for online Isas averaged 1.84%, which fell to 1.53% for branch-based products.
Government figures suggest that up to four million people are "digitally excluded", meaning they do not have or cannot afford internet access.
Which? chief executive Peter Vicary-Smith said: "Not everyone is comfortable or able to manage their finances online and these people are missing out on the best deals as a result.
"Banks should be more inclusive by offering terminals in branches where customers could access online deals, with some help from staff."
This article is from the BBC News website. ? British Broadcasting Corporation, The BBC is not responsible for the content of external internet sites.