i'm with lloyds .it was free for 18 moths and then the charges started.around £40-45 ,shocking.i went to the bank and see what i could do but couldn't speak wit anyone as i can only do it over the phone (i presume same as santander)anyway managed to change it to internet tariff and the charges dropped to £25 but i still consider changing it to santander as i can't do anything in the branch everything is over the phone or in writing which is very annoying .plus the charges will drop to £7 /month for pretty much same service