As a small business which takes in quite a few small payments. The 20p per transaction seems a bit much! What started out as a free bank account, soon went up to £2.95 per month as my business grew. My latest charge was over £17 for the month. As my business continues to grow I expect these charges will continue to rise each month. Just seems unfair to be dangled a carrot just to get me signed up then move the goalposts and basically charge what you like.