For an absolute LAYMANS view here it is: I always thought it was too good to be true (remember the old adage?) but it didn't affect me as WA was excluded so I couldn't indulge anyway.

They changed the rules ..... BUT:

Then the main thing was 1 & 1/2% deposit charge......... NO WAY!, I deposit EVERY DAY AND (USUALLY WITHDRAW EVERY DAY)

Now all this bulaaaa, I think I'll just stick to what I know, and steer clear of all the crap!!