It used to be illegal through some loophole or other, but they changed the way they word the charges so it's now all ok. I've had no end of £30 charges, and got 80% of them back by going and asking at the bank, giving them a sad story and/or making out it was 100% their fault. Need to write a couple of strongly worded letters actually, i could be on for another £50 back Aside from it being a really stupid idea, they'd probably laugh you all the way out the door at a bank...