Your inputs here are valued, @jenny-lumsden. I've got details to help you choose the correct GST category when handling bank fees.

In QuickBooks Online (QBO), the GST-Free (0%) code is applicable for transactions with no GST charged, but it will still appear on your Business Activity Statement (BAS). This option is the best for purchases not charged for GST or if you want to claim GST credits.

On the other hand, if you classify transactions as Out of Scope (0%), they will not be included in your BAS. This code applies to transactions tied to assets, liabilities, or equity accounts. Also, for wages and superannuation payments or expenses where GST isn't applicable. You can use the Out of Scope (0%) code when managing Bank Fees in QBO.

Furthermore, we suggest consulting an accountant when dealing with GST-exempt transactions like medical services or residential rental properties. If you haven't got one yet, you can find one near you by opening this article: QuickBooks ProAdvisor Tool.

The forum is always here to ensure your books are accurate and compliant with tax requirements, @jenny-lumsden. We encourage you to reply to this post if you have more QuickBooks-related questions. Keep safe!