having just sold a flat I have short term deposited a part of the proceeds into this account - only to find that while the interest rate is better than that available over the counter OST is charging a fee( +vat) on the interest earned - so I am paying twice - once for the money market acount fee- and OST's fee. Against which I have to weigh up immediacy of access and a bulked gross rate. This charge is disclosed under transactions - but not on page one of your monthly statement which maybe the grey rinse brigade read..... I would put more money in but......why not buy a specialist income fund - with < 5% volatility and 36 hours availablity and a partially CGT liable return - vs interest only fully taxable - oh and one fee...