 A personal account holder at a bank may have a number of facilities associated with their accounts, such as the ability to process direct debit transactions, standing orders for regular fixed payments, and an overdraft.Banks may typically charge customers a fee of around £30 (individual banks vary) for authorising a transaction which puts a customer over their authorised overdraft limit, or for refusing payment when there are insufficient funds held in the account to meet it.Similarly, credit card issuers typically (until June 2006) charged customers a fee of around £25 for payment that is late, insufficient, or not made, and the same for exceeding their authorised credit limit.