Not every bank charges £25 for informal overdrafts (which is what happens if a standing order attempts to be drawn with not enough money in the account to cover it).<p>My bank specifically charges £10 per month for informal overdrafts, with fees capped at £60 per quarter.<p>Still not free, but substantially better than the £25 you claim.<p><a href="http:&#x2F;&#x2F;www.smile.co.uk&#x2F;assets&#x2F;pdf&#x2F;smile&#x2F;currentaccounts&#x2F;smilecurrentaccount&#x2F;account-charges.pdf" rel="nofollow">http:&#x2F;&#x2F;www.smile.co.uk&#x2F;assets&#x2F;pdf&#x2F;smile&#x2F;currentaccounts&#x2F;smil...</a>