I have been with think banking for three years and in that time they have been getting worse, losing money paying direct debits i have cancelled taking money from my card acount for no reason, if you pay in extra money like a cheque you have to phone up to get it transferred to your card, which takes 10 days to clear, and the set up fees and running costs, also a lot of cash machines will not accept the card, i now gone online with halifax very quick to set up with no set up fees, but they will charge if a direct debit fails but you are in full control of your own money, and my credit score is bad, hope this is of help, martin,
Try halifax you get visa electron debit card, no set up fees or management fees, and control over your own money without making endless phone calls asking for your own money, martin