Not going to get overly involved here since I am already in a large discussion about this on the vent board but... if you are continually paying bank fees then you need to take a look at how you are managing your money .. lose the luxuries like mobile phones and designer clothes etc .. if you can't afford it then do not buy it. Consider switiching to an account that has lower headline interest rates and look for one with lower charges. Also organise an authorised overdraft - at least then you only need to pay interest - but under no circumstances consider the authorised overdraft as 'available money' it is only there as a buffer to avoid large fees.
Rather than worrying about paying back fees you really want to be in a situation were you have a little buffer at the end of each month so that you do not incur fees .. much less stressful ... and you might earn a little interest. Once that is done you can then switch to a higher interest paying account.
What it means for you
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