LOL, they will 100% waive everything for you. I'm surprised you don't have a private manager.
With that kind of money, one call and say, hey, guys, I see your new stuff coming in, I don't like it, I won't pay it, please.. just waive it, in perpetuity, else I'm gone.
If you have a mortgage and investments, and a credit card that you use every quarter (!), you should be waived anyway though?
But yeah, the big banks really are something. I still shake my head at the thought of PAYING a bank money to MAKE MONEY OFF MY MONEY. Like... what?
Current accounts are almost always free in the UK, so it's quite a thing to come to terms with.
PCF is good, as far as I'm concerned. But yeah. They'll waive the fees.