"We have carried out extensive research into the current account market and the findings tell us that customers want simplicity, transparency and good value for money, " said Nick Kennett, director of financial services at the Post Office.

BBC: Post Office to offer current accounts

Dr Lawrence Whalley of the University of Aberdeen, who has led research showing that smokers' cognitive ability decreases with time, said the current study findings were very important.

BBC: NEWS | Health | Tobacco smoke dulls child brains