UK banks may make it easier for customers to opt out of using unauthorised overdrafts, the Office of Fair Trading (OFT) says.

If people did opt out, it would mean seeing payments blocked as the price for avoiding high overdraft fees.

Last year the Supreme Court threw out a challenge to the way banks charge fees.

But the government and the OFT have still been putting pressure on the banks to change their charges, which earn them billions of pounds each year