Start with the essentials

Download the statement through your bank’s official channel. Compare the opening balance, credits, debits and closing balance. Minimum-balance rules and service charges vary by bank and account; do not assume a standard penalty applies.

What you can do

  1. Match larger transactions to bills and receipts, then review small repeated debits.
  2. Check mandates and subscriptions; use the official cancellation process for those you no longer need.
  3. Ask the bank to explain disputed fees and report unauthorised transactions promptly.

Keep in mind

Keep statement PDFs private. A cancelled payment mandate does not necessarily end a contract with the service provider.

Further reading & official resources

Check current terms and guidance with the responsible provider. References are for background reading and do not imply endorsement.

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