In this episode we rank the four worst bank accounts in the UK — accounts marketed at people who think a high street bank won't take them, then quietly charged for almost everything. We break down CardOneMoney, Monese, Pockit and Suits Me, from £1.49 just to receive your wages to a £5 fee that only fires when your account is empty. Then we get to the part almost nobody knows: everything these accounts charge for, you're legally entitled to for free.

• Why "no monthly fee" is doing a lot of heavy lifting — and which accounts cost more the less money you have
• The £5 penalty for a bounced direct debit, the 4% foreign spending fee, and the £1-a-month charge for doing nothing
• Who these accounts are really aimed at, and why the fee structure targets people at their most desperate
• The fee-free basic bank account nine major UK banks must offer you by law — even with bad credit or no proof of address
• How to open one (and what to do if you've already been refused)

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