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Bank of Scotland charges various fees depending on the type of account and service. For instance, the Silver Account costs £11.50 per month and includes benefits like travel and mobile insurance, while the Platinum Account costs £22.50 per month, offering enhanced travel cover and AA breakdown cover. While these fees cover useful perks, they can add up over time, especially for someone like me who prefers more cost-effective banking options. There are also fees associated with overdrafts, credit card late payments, and foreign card usage. For example, the foreign card usage fee for the Classic Account is 2.99% per transaction, which can be expensive when traveling abroad or making international purchases. The bank also charges fees for ATM withdrawals outside of Bank of Scotland ATMs, which could be a disadvantage if I frequently withdraw cash. The Bank of Scotland online account system provides easy access to these fees, but it’s crucial for me to assess the total cost of using their services based on the account type I choose.