UPDATE:
Phoned branch today and was told that the fee should be higher! That they had reduced it to €50 given my good history. I mentioned that NIB had been canvassing business and if I consider U First fee, CCard fee and this O/D fee, then UB are far far more expensive than UB.
Almost instantly, fee was reduced to €25. I said to keep it on hold for a week or two that I can consider the matter further.
Wonder if they will phone me again to agree a NIL fee??
To reinforce my contention that they were abolished, along with the application/offer letter, I have returned a press release from UB and teh IFSRA report, both of which state that applicaton fees are abolished.