There are several handy ways to reduce your quarterly account fees and avoid paying penalty charges:

• Keep an eye on your account balance and make sure you have enough money in your account at all times to meet your payments and account fees & charges (If any payments go unpaid, unpaid item charges will apply)
• Keep within your Overdraft limit (where applicable)
• Be aware of quarterly and annual charges such as Government Stamp Duty
• Ask for cashback when using your debit card for purchases in-store. Cashback is at the retailer's discretion and a minimum purchase amount may be required
• Use your debit card for purchases in euro to make contactless payments
• Maintain a daily credit balance of €2,000 in your Current Account to avoid paying ATM (cash withdrawal) or cheque lodgement fees
• If you have an Extra Current Account, make sure you are lodging €2,000 every month to avoid paying fees for maintaining the account, ATM (cash withdrawal) or cheque lodgement fees.
• Note: Using a debit card for purchases in foreign currency may incur fees and charges.