According to research by Santander, one in five people have had the same Current account for over 30 years.
The bank found that the longest relationship in a British adult's life typically lasts 14.1 years, but people have had their Current account for 16.5 years, on average.
Over such a long period of time, it is unlikely that a single Current account will remain competitive, in the rates or additional extras that it offers.
Helen Bierton, head of current accounts at Santander, said: "For many people enjoying a successful long term relationship in whatever form is more rewarding than chopping and changing.
"When it comes to current accounts, people often stay with the same provider, even though it might not be the most competitive because the prospect of switching to a new Current account can be daunting."
The average length of time people hold onto a Current account was found to be the highest in the south-east (17.7 years), followed by Wales (17.6 years), East Midlands (17.2 years) and the east of England (16.9 years).
At the other end of the scale, those in the north-west (15.3 years) and London (16.1 years) were most likely to switch. Interestingly these adults also tended to have shorter relationships (13 years and 13.7 years respectively) than those from the south-east (14.4 years) and Wales (15.1 years).
The bank's research indicated that a minority (seven per cent) of the UK are so-called 'serial switchers', and have moved providers three or more times in the past decade.
Meanwhile, Which? Money has reported the results of its latest poll of members, which revealed that the biggest high street banks continue to fall below customer expectations in terms of current accounts, savings accounts, credit cards and mortgages.
Smaller banks topped the annual poll, with First Choice coming in first place with an overall satisfaction score of 82 per cent.
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