Where we also get surcharged +2% when using a credit card for USD purchases and no one seems to care what a massive ripoff that is.
The last time I checked, most UK banks add 2.75% to the Visa/MC wholesale rate.
Occasionally, a bank will create an account whose debit card has 0% FX loading, to help gain customers. Then, once they've gained a bunch of customers, they'll change the terms of the account.