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The UK’s leading banks have agreed a deal that means they will be clearer about their charges for using cards while abroad.

The Office for Fair Trading (OFT) has announced it will impose new regulations that will force banks to make it clear how much they are charging customers for using cards overseas.

The move follows a complaint by watchdog Consumer Focus that many banks were deliberately confusing customers over the cost of using their card abroad.

The OFT has said that the majority of banks have agreed to the changes. These include Lloyds, HSBC, Capital One, American Express and the Co-operative Bank.

These banks have agreed to display the charges that customers incur while abroad more clearly on their monthly and annual statements. You may want to budget easily by looking to invest in Orange prepaid cards.

The OFT says this will lead to more transparency over how much banks charge for card use abroad, and more clarification amongst customers.

Many customers use travel money cards to try and save money by avoiding these large bank fees.

“We are very pleased that the travel money industry has agreed, following an OFT short investigation, to make these significant voluntary changes,” said John Fingleton, OFT Chief Executive.

“We believe they will reduce confusion about the charges that apply when buying travel money in the UK or using cards overseas, and hope they will allow holidaymakers to be far better informed when making choices about how they spend abroad. This should drive greater competition in the UK travel money market.”

Many banks have also agreed to scrap charges for customers who use their debit cards to purchase foreign currency in the UK. There was previously a charge of between 1.5 and 2 per cent levied by most banks.

“Consumers should be able to buy foreign currency without being misled, confused or short-changed. The OFT has agreed with Consumer Focus that people are losing out due to the action of banks and others buying and selling holiday money,” said Mike O’Connor, Chief Executive of Consumer Focus.

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Trying to predict what features the new iPhone will have is almost impossible and some of the rumours, such as getting rid of the characteristic home-button, are highly unlikely. So, what are the most likely features and improvements of the iPhone 5?

We have put together a list of our top rumours, but of course there are plenty more circulating around the web at present and we’ll all have to wait until the official release to see if we’re right.

iPhone 5: Improved Camera and Video?Every manifestation of the iPhone has boasted an improved camera and video quality from the last, so where can Apple progress to next? The iPhone 4 already has a 5 megapixel camera and is capable of HD video recording. Perhaps the iPhone 5 will push the boat out even more. A number of rivals, such as Android phones, already offer 8megapixel cameras so it seems only logical that Apple will offer the same in the new iPhone. Improving the video quality to shoot in full HD is another potential improvement.

iPhone 5: More Storage?With people continually relying on their phones to store important details and large amounts of media files it seems only natural that Apple looks at offering more storage space in the new iPhone. The 16GB iPhone 4, while a substantial size, is still outdone by media devices such as the 120gb iPod and while it is unlikely that the new iPhone will be quite as large as that, it is not difficult to assume that 32gb and maybe even 64gb versions are offered.

There are also rumours that all updates to the device will be accessible via the cloud, without the need to update via manually plugging in your device. Read More: What is the Cloud?

iPhone 5: Quicker Processor?This rumour is practically confirmed. Integrating a faster A5 processor into the iPhone 5 would see Apple following their precedent of keeping their device hardware in synchronicity with one and other. The A5 processor is that which is in use in the iPad2 and if it is included in the iPhone 5 then the phone’s performance will be almost double that of the iPhone 4 whilst still retaining a good battery life.

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