'No such thing as free banking' - Which?
There are large variations between banks in the cost of "free" current accounts, consumer group Which? says.
Which? head of money James Daley told BBC News that its analysis "shatters the myth" of free banking.
It says the cost of going overdrawn without permission for two days a month costs from £120 to £900 a year.
But the British Bankers' Association (BBA) called the report "disingenuous", and said customers could get free banking for accessing cash and making most types of transactions in the UK.