If you want to avoid card charges use the electron card. You can transfer funds into it on from your own bank account as and when needed. Halifax do an easycash account. This will save you £8 return trip on FR.
Mods, I am not affiliated with Halifax in anyway just provide the link to enable fellow ppruners to save a few extra quid going into MOL's pockets, if you deem it as advertising please feel free to remove the link. Thanks. Smith
Halifax Bank Accounts - Easycash Bank Account