When you make a transaction that reduces your bank account balance, it's called a debit. Charges can be caused by various reasons such as card payments, direct debits, bank charges, etc. It's important to keep a close eye on your bank statements to understand all debits to your account and ensure they are all authorised.

Indeed, regular monitoring of your bank statements is crucial to avoid errors and fraud. If you notice an unauthorized charge to your account, it's important to contact your bank immediately to report the issue and take action to protect your account.

Additionally, it is important to understand the different types of charges that may appear on your bank statement. Card payments can include in-store purchases, online purchases, cash withdrawals, etc. Direct debits can include utility bills, loan payments, subscriptions, and more. Bank charges may include overdraft fees, account maintenance fees, credit card fees, etc.

In short, regular monitoring of your bank statements is essential to understand all the debits on your account and to ensure that they are all authorised. In the event of an unauthorized debit, it is important to contact your bank immediately to report the problem and take the necessary steps to protect your account.