Just noticed that HSBC have started making non-sterling transaction charges for my withdrawals & general spending in Spain. This is for cash & general purchases on my VISA.:Angry: I have an Advance Acct for which I pay £14 per month - and when I checked in August that there were no charges for withdrawals any where in Europe, they confirmed this. Its about 3% and started on 19 Nov. I've written to them asking what the story is? I cant find anything in their small print.:Eek!: The only thing I have noticed is the exchange rate they give is quite good. Anyone else noticed this? I await their reply.