UK banks are the scum of the earth.  They charge you for everything.  Especially bad are standing orders when you don&#x27;t have money in your account.<p>German banks (as a counter-example) just won&#x27;t let the transfer go through.  British banks charge you 25 quid.<p>Weren&#x27;t British banks even recently ordered by their regulator to be less evil with their fees?