Colwyn, for the 123 Santender accounts, you need 2 direct debits. We have several charity dds and use these for the accounts which are not our main current account. We even have an evening paper dd for £2.50 per week which counts as one dd. For the TSB accounts there is no dd required but only interest on £2k, however at 5 percent, this is not to be sneezed at. Happy days.