A ４半期/4分の1 of Britons have as little as £1 in their bank account by 支払う／賃金 day ? and HALF have NO 貯金 at all

  • Half of us have been stung by bank 告発（する），告訴（する）／料金s in last year, 研究 shows
  • 告発（する），告訴（する）／料金s can be £10 a day and for some, 追加する up to as much as £750 a year
  • In 投票 of 800 people on £23,000 a year or いっそう少なく, half had no 貯金 at all?

By Mail Online Reporter

Published: | Updated:

A ４半期/4分の1 of Britons have as little as £1 in their bank account by 支払う／賃金 day, alarming new 研究 明らかにする／漏らすs.

And half of us have been stung by hefty bank 告発（する），告訴（する）／料金s ? いつかs as high as £10 a day - after going overdrawn without 許可 in the last 12 months.

For some, this 量d to a staggering £750 in 告発（する），告訴（する）／料金s over the year.

A quarter of Britons have as little as £1 in their bank account by pay day, alarming new research reveals. Stock image

A ４半期/4分の1 of Britons have as little as £1 in their bank account by 支払う／賃金 day, alarming new 研究 明らかにする／漏らすs. 在庫／株 image

The 調査する, which 投票d 800 Britons who earn the 普通の／平均（する） UK salary of £23,000 or below, also 設立する 50 per cent had no 貯金.

In August, a 政府 報告（する）／憶測 明らかにする／漏らすd banks make £1.2 billion a year from hitting around 16 million 顧客s with unarranged overdraft 告発（する），告訴（する）／料金s.

The 普通の／平均（する） unauthorised overdraft 料金 - when the bank has not agreed to a 顧客 going overdrawn - is £57.50 a month, によれば 研究 by the website Moneyfacts.

At that 普通の／平均（する） 料金, if someone were to go overdrawn every month they could 結局最後にはーなる 支払う／賃金ing £690 a year ? with daily 利益／興味 告発（する），告訴（する）／料金d on 最高の，を越す.

And worryingly, more than a ４半期/4分の1 of people 落ちる into overdraft 領土 just 17 days after payday. These 顧客s, often younger people, can 落ちる into a spiral of 負債 which then 背負い込むs more 料金s, with 潜在的に serious consequences.

The new 研究 was （売買）手数料，委託（する）／委員会／権限d by U Account ? a new 経常収支 where 顧客s can never go overdrawn.

As a result, they 避ける extortionate overdraft 告発（する），告訴（する）／料金s that 急落（する），激減（する） them into その上の into 負債 and?避ける 告発（する），告訴（する）／料金s if a direct debit bounces 予定 to 欠如（する） of 基金s.

Alex Letts, 創立者 of U, said:?'The dirtiest secret in the UK banking 部門 is with the way people are 告発（する），告訴（する）／料金d.

Half of us have been stung by hefty bank charges ? sometimes as high as £10 a day - after going overdrawn without permission in the last 12 months

Half of us have been stung by hefty bank 告発（する），告訴（する）／料金s ? いつかs as high as £10 a day - after going overdrawn without 許可 in the last 12 months

'Banks can only 供給する a 解放する／自由な service for the 少数，小数派 of wealthier 顧客s because of the 料金s and 刑罰，罰則 告発（する），告訴（する）／料金s paid by millions of normal 世帯s 戦う／戦いing with incredibly tight 予算s. Those costs are おもに for unplanned and 越えるd overdrafts.

'We are 混乱に陥れる／中断させるing that old banking order by 説 'relying on people's misfortune, 負債 or mistakes is no longer good enough'.

Like a 伝統的な high street bank, the U Account lets 顧客s 支払う／賃金 in, make 支払い（額）s with a contactless MasterCard debit card, 支払う／賃金 their 法案s through direct debits or standing order and make same day 支払い（額）s.

But unlike these banks, which make money by 非難する hefty 料金s for unauthorised overdrafts, U 顧客s 支払う／賃金 a 名目上の 料金 ―never more than £10 a month ― for the services they use.?

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