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Banking Charges Bank Account Charges Bank Overdraft Charges Claim Bank Charges Reclaim Bank Charges What are Bank Charges ? Bank Charges sometimes called penalty charges are charges that are made against bank accounts, credit cards, store cards or other bank accounts for going overdrawn. You can also get charges for not paying direct debits, cheques or standing orders. Companies in the UK now offer people the opportunity to claim back there charges as they have been seen as being unfair. You can also claim the 8% interest on those charges.