Fees and charges Does the Young Savers account have any fees or charges? There are no fees or charges associated with the Young Savers Account. How can I reduce my fees and charges? There are many ways you can reduce your fees and charges. Some saving tips are outlined below. DO Register for 365 online. The service is free and most transactions only cost 10 cent. Register for Mobile Banking. The service is also free and enables you to perform transactions and view balances wherever you are. Use your Visa Debit card. Each point of sale transaction only costs 10 cent, while contactless payments are 1 cent. Keep a minimum cleared balance of €3,000 per day to avoid transaction fees (A fee of €5 for maintaining the account will still apply). Save on fees by using 365 online to access eStatements free of charge instead of paying €3.80 for the first page and €2.50 for each additional page for duplicate paper statements. See how you can save by using our useful fee calculator here. DO NOT Use cheques. These can cost up to €1.30 per transaction including stamp duty and handling charges. Make manual cash payments to your account. These cost €0.60 per transaction. Rather than taking cash give your IBAN instead for faster, cheaper lodgements. Unauthorised Overdraft. You will incur fees for referral items, and/or surcharge interest if you exceed the authorised overdraft limit on your account and it has an unauthorised overdraft.