I have only just seen this post. We found out that we could pay our water by direct debit through Garanti Bank. We originally only had electric DD, but they said if we had 2 DD's set up we wouldn't incur bank charges. As our bank charges were more than our water bill (as we're only there a few weeks a year) we thought this was a win win situation. Next time we get the book updated we find both DD's come out fine but we still had bank charges. When we queried this, it turns out that charges are only waived if the DD is coming out every month. This info may be of use to someone.