i was wondering when ebay actually take the insertion fees from your bank
About 15 days after they send the invoice
I assume you have an automatic payment method set up.
I have looked at a couple of my old invoices and monies were taken 17th - 20th of the month.
Ebay fees are invoiced once a month. There are 2 bill cycles on ebay so not everyone receives their invoice at the same time.
The ebay help page on the link below explains when you'll receive your invoice and when the money will be taken from your chosen payment method.
Sorry, I forgot the link!