My quarterly fees were always in the €30s as well when they weren't actually being charged but with careful management they came in at about €17 this time - mostly by withdrawing enough money for the week rather than using the laser in several different shops, also put the larger purchases (eg the dozens of transactions for back to school supplies) on the credit card which will be paid off in one go next week - charges will be 20c for that payment instead of dozens x 20c for using laser.