Hi, I'm new to the forum. I've just registered a complaint to the FSA as well but as a Barclays customer I've also received a letter explaining the new reserve charges and it states that I will automatically be subject to the new reserve charges unless I opt-out. This is contrary to what the thisismoney.co.uk article says. The article refers to customers having to 'consciously sign up to the reserve'. I don't know if the opt-out is a new tactic of Barclays to get more customers signed up unwittingly to the new charging system. From first impressions the charging system is complicated but seems to be preferable to the higher unauthorised overdraft fees so I don't think many customers would be motivated to actively opt-out. Also, they say that if you do opt-out and try and opt-in later, you might not be eligible. Anyway, does anyone know if this is significant? and should I opt-out? Thanks