Let's not forget why we use this Bank, usually because we can't get one of the "big four" high street banks due to bad credit etc They are up front with the charges so nobody's deceiving anyone! I've banked with them for over 4 years and initially intended to move to another bank when I built better credit, but I find their customer service very good and whilst we as a company handle very little cash or cheques their charges aren't that steep. o.k £7.50 is quite high for instant transfers, but if you've ever had a bank account with a high street bank and looked at your business banking charges at the end of the year there's not much in it so we have stayed with them. One negative was they weren't on the approved list for the Governments Covid-19 Bounce Bank Loan. This was a real shame. Otherwise no complaints at all!