The term bank charge which is also inaccurately known as oeunfair charges covers all charges made by banks to their customers. The term often relates to the charges in respect of personal current accounts.

In the UK, this was not common practice until the 1990s when banks began to introduce this type of charge as a means of product differentiation - often offering additional services bundled with the bank account itself.

Such services include travel insurance, mobile phone insurance, preferential rates on other products. It is estimated that UK banks make an estimated 4.7 billion profit a year from unfair charges or bank charges to their clients accounts.