About Us
A dedicated team focused on bringing transparency to banking fees
Our Story
keen-raven was founded in 2018 after our founder, having worked in retail banking for over a decade, recognised a persistent problem: most people have no clear understanding of what they pay to access their own money.
The landscape of banking fees is deliberately complex. ATM operator charges, currency conversion markups, out-of-network penalties, and monthly maintenance fees combine to form a web of costs that erode consumer savings silently over time.
We established this consultancy to demystify that complexity. Our mission is straightforward: help individuals and businesses understand exactly what they pay for cash access, and show them practical ways to pay less.
What Drives Us
Transparency
We believe everyone deserves to know exactly what fees they pay and why. Hidden charges should not be the norm in banking.
Independence
We accept no commissions or referral fees from banks. Our recommendations are based solely on what benefits our clients.
Practicality
Theory without action achieves nothing. We deliver specific, implementable recommendations that produce real savings.
Our Approach
Every client engagement begins with a thorough examination of current banking arrangements. We request statement access, review fee structures, and map out the complete picture of cash access costs.
From this foundation, we develop targeted recommendations. Some clients benefit from switching accounts entirely. Others need only adjust their withdrawal habits or add a secondary card for specific use cases.
We present options clearly, explaining the trade-offs involved in each decision. The choice always rests with the client; our role is to ensure that choice is informed.
Meet the Team
Experienced professionals with backgrounds in banking, financial analysis, and consumer advocacy
James Whitmore
Founder & Lead ConsultantFormer retail banking manager with 14 years of experience at major UK institutions.
Sarah Chen
Senior Fee AnalystSpecialist in international banking fees and multi-currency account structures.
David Okonkwo
Business Services LeadFocuses on commercial clients with complex cash management requirements.
Ready to Work With Us?
Discover how our team can help you reduce unnecessary banking fees.
Get in Touch