In the UK the topic of bank charge refunds is still mentioned frequently. It's illegal for a bank to charge you huge amounts for sending you a letter to tell you you're in the red. German banks have been charging us about 10 euros a month for a while due to t%%ts leaving the country with an unpaid overdraft. This month I notice sparkasse has upped the bill to 12 euros without so much as a letter! Now I know certain bank accounts cost money, it's the norm in some countries, but is it legal for them to charge me that? Any ALC peeps out there maybe shed some light?