> As a matter of interest, do you pay charges for your bank 
> account?  If not, where does the bank make its money?

In the Netherlands I pay zero or almost zero for my private account, but
I do pay (per transaction) for my professional account.  But the fees
are IMHO low (IIRC the highest domestic fee is E 0.30 for a
paper-initiated transaction, which are very rare). I don't think the
banks earn much on accounts, they earn their profit by providing
mortages.

I get zero interest on my main account, but transfers between the main
account and the various associated savings account are easy and free of
charge, so with a little bit of hassle I can get a fair interest on my
money.

Wouter van Ooijen

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Van Ooijen Technische Informatica: www.voti.nl
consultancy, development, PICmicro products
docent Hogeschool van Utrecht: www.voti.nl/hvu
 

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