Nigel Dowdney at Stalham, Norfolk, has seen his A&L (Santander) bank charges for paying in rise from 12.5p to 60p per £100. "That's another £5K a year off my bottom line," he says. "I used to be able to negotiate and now I'm told I'm too small to have a relationship manager."

Nigel is a PayPoint agent so pays in huge amounts hardly any of it his, of course. Anyone know of any cheap banking deals?