Just before Christmas, Dennis King got a letter from Santander Bank (previously Giro). "They have informed me my charges will be going up from 15.5p per £100 banked to 45p per £100 plus 50p per deposit. My relationship manager knew nothing about it when I phoned him. How is that for a nice Christmas present? It also means I will be paying £60 a week to bank my PayPoint receipts when I only earn about £70 a week at the moment! And they say the banks help small business."