Thanks for the quick replies guys. The Bread idea sounds good but being a Yorkshireman (Definition: Scotsman without charity) I'm not keen on the idea of forking out ten quid for it and then paying 25p every time I put more money in. Since I would only be keeping a minimal balance and I (well, my wife actually) does a lot of online shopping, that would be a lot of 25p's.
I think FP's solution is the way to go - I'll be contacting my bank in the morning to try and set up a second account that works like Bread if they will let me.
Thanks again for the feedback
Myke