Here’s a tip from Marco Carini, whose family has run Carini’s in Ebbw Vale, South Wales, for 90 years (est. 1921!). A customer paid £700 to the Secure Trust Bank of Ireland through Marco’s PayZone terminal. He got 20p for the transaction and his bank charges 50p for every £100 paid in, so it cost £3.50 to bank.

When he complained, PayZone removed that facility from his terminal, so it won’t happen again but he suggests you have a look at your contract before putting any transactions through to this Irish bank.