Oh, dear, I thought, what a shame I can't receive that £265.93 as I don't have a NatWest account. Silly old bank. And fancy them not spotting they should take the fee off, rather than add it on. Doubly silly old bank.
But then, the very next email in my inbox was this:
Now, call me suspicious, but finding out that exactly the same amount, with exactly the same transaction ID (and exactly the same negative fee) was also being applied to 'my' Barclaycard account was teensiest bit worrying. Especially as the format of the email was identical. Then I looked at the next email.
Oh, come on now. This is taking idiocy to a new and rather dizzy height. It's surely not phishing at all, but a form of performance art, designed to bring a smile to my face first thing in the morning.
And if that was the intent, it certainly worked.