Thanks for the reply, I kinda get where you're coming from though 99% of the time, certainly here in the UK, we never see those fees - all debit card transactio

Thanks for the reply, I kinda get where you're coming from though 99% of the time, certainly here in the UK, we never see those fees - all debit card transactions and contactless payments in physical stores are close enough to free that the store pays, not the customer. Online though, yeah, totally with you. And also with you on the rather unsavoury practices of the banks.