Thanks Mesa, food for thought. I don't keep much money in my current account and I turn down offers of overdraft facilities so that my salary goes in, my Direct Debits go out a couple of days later and I am left with enough to live on. No crimbo type is gonna get rich from hacking the Saoutchik A/c.
I haven't tried it yet but I downloaded an 'App' that is supposed to allow me to pay up to £20 on my phone
Happy 7th Birthday Little Miss.