Merrill copes by switching many clients to fee-based accounts, making its revenue a function of assets rather than of trading volume.

FORBES: No Thain, No Gain

That outlay - made by then manager Jimmy Nicholl - was the only transfer fee Lennon commanded despite switching clubs a further six times over the next 15 years.

BBC: St Mirren invest faith in new manager Danny Lennon

If fee hikes lead you to consider switching banks or account types, here are a few things to consider.

FORBES: Banking