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So fundamentally, you need to address the question by looking at both separately: why are bankers in the investment arm of natwest paid separate to customer service advisers in the retail arm Since the financial crisis in 2008, banks have had to separate off both sections from each other to prevent a collapse in the retail arms that customers rely upon day in and day out Additionally, investment banking and providing retail banking services are very different jobs. As a pre-requisite, investment banking generally speaking needs an educational background in maths or economics (disclaimer: there are always exceptions) or significant experience in the field and typically a higher degree such an MBA too whereas retail banking relies more on applied economics skills such as a knowledge of accounting, legal regulations on mortgages etc and of course, customer service skills Retail Banking customer service roles are typically paid at the market rate for other customer service roles as well as usually working 'regular' business hours Investment bankers however is paid at the salary of the industry which is much higher and therefore they need to retain a competitive advantage. Typically, investment bankers are paid a basic salary as well as 'commission' or 'bonuses' and working 65-75 hours a week is not uncommon The 'traditional' viewer of an investment banker is of a hedge fund manager or someone who buys and sells share for a living. This requires constant Technical Analysis (a mathematical analysis of trends and market movement in order to predicts falls or rises in price) as well as market research, and always trying to predict the next big thing. Additionally, another branch of IB is Mergers and Acquisitions which can have very large figure sums involved and therefore is paid accordingly. It's not really a job you can switch off from! Disclaimer: this is not professional career advice. Please do your own research and ideally speak to people who've done each job and make your own judgement