Really bad banking
Really bad banking. Appears to be easy as apple pie, than there are the smallprints. Your money is protected up to a 100.000 but what they don't say is that starting from 50.000 there are extra charges. Anmd than for free isn't really for free as they keep charging you for everything. Their cutomer service can never be reached and it takes forever, only to find that they give you an answer to a question you never asked. Just to get an annual statement we had to send in -again- our passports and the lot. 
DON"T GO TO THIS BANK

The respond came within a day. Wauw. Wish the customer service was that adequate. 
Of course there are costs involved. The point is you pretend it’s free and than you sneak in the costs. Once you’re roped in, dear Peter