Hola Kevin & Debbie
Excuse me for trespassing in your development forum
but I like to help if I can & I have friends in this forum so I look in now & then.
The charge you talk of is a fee taken
every other year. It depends on your bank as to what they charge, no two banks are the same. We were with Cambank & they were charging around 17 - 18€
per person named on the current account.
We have since moved to Banco Halifax as it 's free as are other things charged by other banks & we also have online banking facilities with them. If you are interested I've just posted AGAIN here >>>
Best bank for expats Banco Halifax have no branches in your area though, unfortunately. It may be that this won't affect you as, with a UK Halifax current a/c you can transfer free anyway. Maybe one to consider.