Bank fees survive because they arrive separately. Add twelve months together and the number stops looking trivial.

The UK's nine biggest providers must offer basic bank accounts that are fee-free for standard operations.

Canada's low-cost accounts are capped at four dollars a month with at least 18 debit transactions and no minimum balance.

A monthly maintenance fee is a price you agreed to, not a penalty, which is why it is the easiest one to remove.

Read the full guide

pennyandplan.com