Shop around for a fee-free bank account

There is no need for anyone to be paying monthly fees or even transaction fees on their everyday transaction bank account.

All banks have no-fee accounts but many come with conditions and some require people to prove they are low income earners to qualify for fee-free banking. Others set a maximum number of withdrawals for fee-free banking

If your bank or credit union has too many conditions attached to fee free banking, shop around at for fee-free transaction accounts.

Government reforms have made switching accounts easy, with your new bank able to move all your regular direct debits over without too much hassle.