I think LoubyLou's main problem is the amount of time she has to queue to pay in the few quid needed for Finans to pay her electricity by direct debit.
I'm not sure if Finans are on the direct debit system for water, so that may not be an option to cut the bank charges. Garanti can certainly pay water on direct debit, & I had no probs getting a debit card from them - delivered to the door within a week.