The benefits of internet access are enjoyed by millions of people across the country, but a new report suggest that those without online access are missing out.
Which? consumer group are claiming that financial product packages are being offered at a better rate online.
The average rate for online instant access accounts is 1.14%, compared with just 0.56% for bank or building society branch accounts.
Online ISAs also pay more than branch ones, with interest rates averaging 1.84% compared with 1.53%.
People taking out a one-year fixed rate bond can access a rate of 2.58% over the internet, compared with just 2.34% in a branch.
In total, an online consumer can save up to 37% compared with an individual that only has access to branch-based offers.
The Government estimates that around four million people do not have access to the internet.
Peter Vicary-Smith, chief executive of Which?, 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."