Men, many of whom have a high disposable income, are the most likely users of online services such as banking, and the evening, between seven and 10pm, has become their most popular time to surf.

In a further indication that UK Internet usage is spreading, research by the Co-operative Bank suggests that men aged 35 to 54 are using their service above younger men, who were the first age group to get online.

The Co-operative Bank used its database of 10,000 online banking customers to compile the research.

'Internet replacing television'

Keith Girtling, the Co-operative bank's head of channel development, said: "Our data shows that it is upmarket middle aged men that are most likely to be attracted to Internet banking.

"From the information we have gathered it seems clear that the Internet is replacing the television in these men's lives."

Internet banking services allow customers to view account balances and statements, transfer funds, and cancel or amend standing orders and direct debits.

It is expected to become one of the most popular uses for Internet technology. Several banks offer online banking, including Barclays, which launched its own service earlier in June.

A recent survey said that 13% of the British population have surfed the Internet, more than double the previous year.