Personal account charges table

See below our comparison table for personal accounts – this is just a guide and in some cases (highlighted with *) there are staged charges e.g unarranged overdraft fees for balances under £25- see the individual bank page for more details, I have put the maximum charges in this table. I have not included interest charges which may be applicable.

Name Min Monthly

funding Charge

Planned overdraft fees Unarranged overdraft fees Returned itemfees Maximum capped charges
RBS NO No £6 per day* £6 per item Returned item max £60per charging period
Nationwide NO 50p per day £5 per day £5 per item £95 per month
Natwest NO NO £6 per day* £6 per item NONE
Halifax NO £3 per day* £5 per day £10 per item Returned item max £30per day
Barclays NO NO £8 per day* £8 per item NONE
Bank of Scotland NO NO £10 per day £10 per item Returned item max £30per day
Lloyds NO £6 per month £10 per day* £10 per item Both charges max £30per day
CO-OP NO £20 per annum £20 per month £15 per item Max £150 per quarter
Santander NO £1 per dayMax £20 per month £5 per day £25 per item Max £150 per charging period (roughly monthly)
HSBC NO NO £25 per day* £25 per item NONE
First direct £10 per monthUnless £1000paid in or balance NO £25 per day* £25 per item NONE