---
title: "Am I paying fees I could avoid? | Candor"
description: "Find bank fees, interest, late charges, and foreign transaction fees across your accounts. See what your agent needs and try the prompt with your finances in Candor."
url: "https://candor.money/explore/fees-check"
updated: "2026-11-13"
---

# Am I paying fees I could avoid?

Find bank fees, interest, late charges, and foreign transaction fees across your accounts.

[Try this with your agent↓](#try-prompt)

What your agent needs

Several months of transactions and, where needed, account terms or statements.

What you get back

Every fee found with its cost over the year, and what would stop each one.

When to use it

A focused review when this question comes up.

## Try it with your finances.

Copy the prompt into the AI agent you use with Candor. It works from your Candor records and asks for anything it's missing. New to Candor? [Connect your agent first.](https://candor.money/connect)

Your prompt

Look through my accounts in Candor for fees I may be able to avoid: bank and overdraft fees, card interest, late fees, foreign transaction and ATM fees, and annual fees. Add up what each has cost me over the past year. For each one, explain what triggered it and what would stop it, using my account terms where Candor has them. Draft a refund request where one might work, and ask before sending anything.

Nothing runs until you send the prompt to your agent.

## Add up what each fee costs over a year

A single fee looks small. Twelve months of them, or a year of card interest, often does not. Candor holds the charges and, where available, account terms, so your agent can total each fee type and explain what triggered it.

### Check the answer

* Check what triggered each fee. A minimum balance, a late payment, or a foreign purchase each has a different fix.
* Ask for a refund draft only where one is likely to work, and keep it for your review.

### Choose a next step

Fix the triggers you can. For card interest, look at the payoff dates and any promotional rate ending.

## Keep exploring.

[Cash and debtWhen does my 0% rate run out?Know when promotional rates end and whether the balance will be gone by then.One-time review](https://candor.money/explore/promo-rate-end)[Where my money goesWas that charge a duplicate?Separate an actual second charge from pending activity or repeated purchases.One-time review](https://candor.money/explore/duplicate-charges)[Where my money goesAm I paying for things I don't use?See what repeats, what it costs, and where a closer look could pay off.One-time or monthly](https://candor.money/explore/subscriptions)

## Ask it with your own numbers.

Set up Candor, then send this to the agent you already use. It answers from your real records and keeps the plan for next time.

[Start free→](https://app.candor.money/signup)[Connect your agent](https://candor.money/connect)