Australia's big four banks "gouge customers" and "offer shoddy service" according to a report presented to the Federal Government by consumer group Choice.

The Choice report has 14 demands, including that the banks offer portable account numbers and remove barriers to people switching banks as a first step to building more competition into the banking industry.

The report says smaller banks, building societies and credit unions are offering the best banking deals, but the cost of moving accounts prevents people taking advantage of the deals.

"How can the bigger banks have the least satisfied customers?" Choice's better banking campaign director, Richard Lloyd, asked.

"The big banks are gouging customers and offering shoddy service because they know it's too hard to change."

Choice has presented the report to the major banks but says so far only Westpac and NAB have been receptive.

"We've constantly had calls in to CBA and they've ignored us," Mr Lloyd said.

Choice plans to name the banks that choose to ignore their 14 demands - which also include the provision of more ATMs - and publish progress reports to show who is "playing fair" by their customers.

"Those that don't should be worried by the extent of consumer anger," Mr Lloyd said.