Does the Minister not consider there is a rip-off in banks where they charge interest for debits in current accounts but do not allow interest on credits in current accounts? What are the Minister's comments on that?

It is a matter each individual account holder should discuss with his bank manager. It is possible to get a system of balancing or account transferring to ensure that one avoids paying charges when one should not pay such charges. It is a matter individuals should seek to negotiate with their bank managers. If there is evidence that the banks are behaving in an unreasonable way in respect of individual customers——

It is the system they have imposed.

——the Deputy or the citizen concerned should write directly to the Central Bank about the matter, to me or to the Restrictive Practices Commission.