Re: I wonder
I pay for stuff with my credit card, a taxable transaction, then at the beginning of the following month, pay of the credit card, another taxable transaction. I could half my tax bill by paying by debit card instead.
Lots of companies in other countries have money in UK banks, so much so that more Euro denominated transactions take place in the UK than in the rest of the world put together, and more US Dollar transactions take place in the UK than in any other country. Those companies could reduce their tax bills by not using British banks.
Then I don't think you will find that 0.35% is anything like enough to cover the government's budget.