Hold the line, please levlen ed uk Most institutions no longer engage in this type of profiteering. Banks such as Santander and Barclays have pulled their investment advisers off the road. Others, such as Lloyds Banking Group and HSBC, cater only for wealthier customers. The sale of “packaged” current accounts, which cost up to £300 a year for a number of dubious-value insurance perks, has died down. And most banks are adjusting their staff incentive schemes to reward customer service before sales figures.