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Bank of Scotland offers various accounts with differing fee structures. While some accounts, such as the Classic Account, do not charge monthly fees, premium accounts like the Silver Account and Platinum Account come with monthly fees of £11.50 and £22.50, respectively. These fees cover added benefits such as travel insurance, mobile insurance, and breakdown cover. However, these charges may seem high compared to other banks, especially if I don't use all the benefits provided. Additionally, Bank of Scotland applies fees for services like overdrafts, credit card late payments, and foreign card usage, which can add up quickly. The Bank of Scotland online account platform allows me to easily check these fees and monitor my usage, which helps in managing costs. It’s important to be mindful of fees for services like international transactions or foreign card usage, which could incur a 2.99% transaction fee. As a customer, I would recommend reviewing the fee structure carefully to ensure I am not paying for features I don't fully utilize.