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CHARGES WATCH - all the banks charges in one place

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  • CHARGES WATCH - all the banks charges in one place

    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)
    Last edited by Amethyst; 8th September 2009, 12:50:PM.
    #staysafestayhome

    Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

    Received a Court Claim? Read >>>>> First Steps

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