You have to pay to have a bank account? Like just an ordinary account - putting money in and taking it out again? Most bank accounts over here are free. There are some that you have to pay for but with these you get stuff like free holiday insurance, mobile phone insurance etc. I don't pay for any of my bank accounts or my credit card, money comes in, it leaves (at a fairly rapid pace!) and I always pay my credit card bill every month so incur no interest charges.
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