Oz points out something that I have never heard of, but makes eminent sense.  In Canada people complain about Bank fees all the time.  Wait till the local politicians get a hold of this one.  There has been a barrage of complaints about ATM surcharging lately and seeing this just confirms to me that banks and fees are in trouble.

This is driven by UK law that fees and charges must be no more than actual cost of the activity being undertaken.

Source: Bank Fees and Charges « Risk Management in Australia