CHARGES WATCH - all the banks charges in one place

[Amethyst]

UNAUTHORISED OVERDRAFT CHARGES - CURRENT AS AT SEPTEMBER 8th 2009.
based on standard current accounts.

EXAMPLE: Starting balance of £0 no formal overdraft, One £50 direct debit is returned unpaid, and one £50 guaranteed Cheque payment is made on the 15th Day of a month (you don't pay in again till end of month) = all charges for month excluding interest.
BARCLAYS (no reserve).............. £16
NATWEST.................................... £40
HSBC......................................... £50
BARCLAYS (with reserve) .......... .£66
NAtIONWIDE............................... £71.50
ABBEY........................................ £90
YORKSHIRE................................. £95
ALLIANCE&LEICESTER................ £125
HALIFAX..................................... £145
LLOYDS...................................... £185








Returned Transaction Fee ..............£8 per item (5 a day max)
Guaranteed Transaction Fee......... £8 per item (5 a day max)

Monthly unauthorised overdraft fee - £0


With RESERVE
Guaranteed Transaction Fee......... £22 every 5 days (however many transactions within your reserve limit)




Returned Transaction Fee ............. £5 per item (10 a month max)
Guaranteed Transaction Fee...........£15 per item (6 a month max)

Monthly unauthorised overdraft fee - £20





Charge for being in unauthorised overdraft ............. £5 per day





Abbey have tiered their charges based on size of transaction (not size of overdraft)

£0 - £9.99
Returned Transaction Fee ............. £5
Guaranteed Transaction Fee...........£5

£10 - £19.99
Returned Transaction Fee ............. £10
Guaranteed Transaction Fee...........£10

£20 - £29.99
Returned Transaction Fee ............. £25
Guaranteed Transaction Fee...........£25

Transaction £30+
Returned Transaction Fee ............. £30
Guaranteed Transaction Fee...........£35


Charge for being in unauthorised overdraft ............. £25 per month





Guaranteed Transaction Fees
Unplanned Overdraft balance is:
Less than £25 - £6 a day
£25 to £100 - £15 a day
More than £100 - £20 a day
(no more than 10 of these charges a month)

Charge for being in unauthorised overdraft ............. £15 per month

Returned Transaction Fee ............. £20 per item (max of 3 per day)








Returned Transaction Fee ............. £35 per item
Guaranteed Transaction Fee...........£25 (one per day)
Guaranteed Cheque Fee ................£35 per item

Charge for being in unauthorised overdraft ............. £25 per month








Returned Transaction Fee
Up to £10 ........................no charge
Up to £25 .......................£10 per item
Above £25 ..................... £25 per item

Guaranteed Transaction Fee...........£25 per item

Charge for being in unauthorised overdraft ............. £0






Returned Transaction Fee ...............£30 per item
Guaranteed Transaction Fee...........£21.50 per item

Charge for being in unauthorised overdraft ............. £20 per month




Returned Transaction Fee ...............£25 per item
Guaranteed Transaction Fee...........£25 per item

Charge for being in unauthorised overdraft .............(Exceeding Overdraft Limit Fee)... £5 per day (max 20 a month)