Don't you just love it when you have to ring your bank, from your mobile, and they've only got an 0845 number? Of course you could look up another number online, but sometimes that isn't convenient.
If you just turn over your bank card or even your credit card, you'll see a (usually 0845) number to ring, but next to that is the ‘calling internationally' number – and this is a normal landline telephone number to ring. It gets you to the same switchboard as the 0845 number, but the landline number is included in your free minutes, whereas an 0845 number isn't.
So next time you're putting off ringing your bank because you haven't found a cheap number to ring, just turn your card over! This also applies to credit card companies and sometimes even your mobile phone provider.