Hi,
I don't know if this works yet (My
N95 doesn't arrive till tomorrow... I cant wait!

).. anyway I was told that the default answer phone costs to collect your messages (outside your included minutes) but you could get around it by setting up a pin number to collect your messages and set your answer-phone number to your mobile number. that way when you press the answer-phone button (I assume 1 as it has been that on all my previous phones) you will get forwarded to your own mailbox (as you are on the phone..) where you can enter your pin to collect your messages for free !!
Hopefully this is true....
Cheers
Mark.