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Net fee and commission income
 6 Months Ended
Jun. 30, 2021
Net fee and commission income  
Net fee and commission income
Note 4: Net fee and commission income
Half-year
to 30 June
2021
Half-year
to 30 June
2020		Half-year
to 31 Dec
2020
£m£m£m
Fee and commission income:
Current accounts312 307 308 
Credit and debit card fees384 350 398 
Commercial banking and treasury fees215 120 154 
Unit trust and insurance broking58 66 80 
Factoring38 42 34 
Other fees and commissions287 236 213 
Total fee and commission income1,294 1,121 1,187 
Fee and commission expense(601)(558)(590)
Net fee and commission income693 563 597 
Current account and credit and debit card fees principally arise in Retail; commercial banking, treasury and factoring fees arise in Commercial Banking; and unit trust and insurance broking fees arise in Insurance and Wealth.