1.   As banks charge a higher rate of interest on borrowings than they offer on savings, you will be better off.

2.   It was pretty sneaky when the bank charged me interest on my account without telling me.

3.   Laws stipulate the maximum interest rate that banks can charge.

4.   The bank charged me for having insufficient funds in my account.

5.   The bank charges a fixed rate for each transaction.

6.   Some banks charge if you access your account to determine your balance.

7.   On top of the lending margin over base rate which the banks charged, a risk premium was added to cover the guarantee, making funds extremely expensive.

8.   Similarly, banks charge higher interest rates to high-risk borrowers than to low-risk borrowers.

9.   Also, banks can charge lower borrowing costs.

10.   Analysts say banks are now charging rates so low they are not really making a profit once money is set aside in reserve for inevitable future losses.