Here's a relevant article which discusses attempts to limit the surcharges: http://au.ibtimes.com/articles/351577/20120613/rba-seeks-lim...
http://www.fcac-acfc.gc.ca/eng/resources/faq/qaview-eng.asp?...
http://www.fcac-acfc.gc.ca/eng/resources/faq/qaview-eng.asp?...