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Banking in UK is so ridiculous, beside of all insane overdraft charges when you enter your PIN incorrectly (Pin & Chip is mandatory in many EU countries) your bank charges you for £1

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Would you happen to know which bank is doing that at the moment? In the last year, I've had a debit or credit card from NatWest, Halifax, Lloyds, Santander, MBNA and Barclays; never had an "incorrect PIN" charge though.

If it's a new policy at one of those, I guess I'm closing my account...

This is Lloyds TSB and they've being doing this for the last 5 years, not sure why you haven't noticed (maybe you get it right every time :) ).

Overseas withdrawal can cost up to £4 and overdraft charges is can go up to £60 Lloyds not to mention they'll decrease your CC limit to £500 when you forgot paying £7.

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