Natwest hide charges so if you challenge a charge they just refer you to their conditions. If I were to use my visa debit card to purchase say a piece of furniture costing £301 no fee would be applied to this transaction. However, to purchase foreign currency for the same amount from my holiday company they add £4.50. How is this a cash advance?? The money is in my account so they are not advancing me cash. The Banks service is so poor that I never go into a branch and only ever use on line banking. I would change banks but as a bank pensioner I do get some perks. I am ashamed to tell people that I worked for 'RIP OFF NATWEST'.