Some b&%$*?# scammed me a while ago - booked flights to Prague and also mobile top-ups. The bank did refund, fortunately.
I've now got a cashback card from Utility Warehouse, who supply our gas/electric. You have to top up the card - so I transfer money from our 'usual' current account - and then when you use the card at certain retailers (including Boots & Sainsbury's for example) you get 10% of your purchase back towards your utility bill.
But I like that because it's not linked to a bank account, they can't get all your money if there's only £20 on the card, that's all they can spend. It's also a Mastercard so you can use it pretty much anywhere, which is quite handy when I'm travelling.
Doesn't stop the scamming but it can limit the damage.
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