Barclays Bank and Lloyds Banking Group received more than £10bn in the second quarter of the year from the Bank of England's Term Funding Scheme (TFS).
Other major lenders including Virgin Money (£2.47bn), Nationwide (£1.75bn), TSB (£1.65bn) and Santander (£1.5bn) also made significant use of the scheme in the three months from April to June.
The TFS is due to end in February and was designed to stimulate lending following the Brexit vote last year.
It has been criticised for artificially holding down mortgage and savings rates and fears have been raised that rates will rise as a result when it ends.
However, many in the mortgage industry believe a controlled closure to the scheme as planned is required to ensure any lending bubble is diffused slowly.
According to the latest Bank of England data, Barclays alone has borrowed £10bn through the scheme so far this year, followed closely by Lloyds (£9bn) and Royal Bank of Scotland (£9bn).