Sorry Steve,but we only use gbp occasionaly to buy or sell currency,but we do not! pay any charges on this and in fact receive 1% interest on any credit balances on a 15 day contract.Most accounts for currencies other than lira pay interest on a par with the country or origin .Littlereddevil!!!!,open a lira daily interest account to enjoy casual interest if you wish, then you can with draw cash on a daily basis up till 1300hrs.After that it is re invested on normal overnight rates.But to pay your direct debits you need a current account!!!!!!If you want to have a savings account?for the longer term that is a different account.Please go and talk to Alper he will answer all your questions,as long as you know what you really want to do? have a nice day. j ( I am not on a % just trying to help)