I'm not charged by HSBC.
To answer the other question about internet transfers, it is up to £10,000 per day, per account. Therefore if you have a current account and a savings account you can transfer £20,000 per day. Cost £15 per transaction.
If you are not in a hurry for the money, you can draw up to the limit of your debit card every day and it costs nothing.
Baz