Mr. Mick Stewart:

Under the consumer protection code and the payment services directive, the banks are supposed to be transparent about their costs and fees. In every branch, there should be brochures available. The information should also be on the banks' websites. Information should be readily available to all customers, be they SMEs or individuals.

With regard to statements, certain banks state before they apply the fees what they will be. Thus, one has time to query them before one's account is affected. The National Consumer Agency publishes the fees and charges. There are many ways in which one can find out the fees and charges associated with their accounts.