overdraft charges

elusive

hi with santander paying 20-00 per month for overdraft facility any other alternatives without fees

BMN

If you want to borrow money then you'll have to pay for it.

Can you provide us with some more details on you current overdraft usage.
How often are you overdrawn?
How much do you go overdrawn by each month?
Etc.

Atidi

http://www.moneysavingexpert.com/banking/compare-best-bank-accounts#flexdirectoverdrawn

But you appear to have tried that this time last year and were turned down.

https://forums.moneysavingexpert.com/discussion/4647715

Until you get to the bottom of why you were turned down, probably no point us suggesting or you trying alternatives

bengal-stripe

elusive wrote: »

hi with santander paying 20-00 per month for overdraft facility any other alternatives without fees

You don't pay for the facility but for the actual use of the overdraft. Don't go into your agreed overdraft and it won't cost you anything.