I can give you 4 bank accounts and 9 pre paid cards which offer direct debit - online payments and standing order facilities with a sortcode and account number. SO the choice is not as limited as you say!
Personally I wouldn't have a paid account other than as a last resort and I don't like the idea using a prepaid card instead of a bank account. I have an account with Nationwide (a full Flexaccount) and I'm not charged for this. My BR drops off my credit file in 6 months so if they start to charge after that I will look somewhere else.
I had a Cashminder account when I was BR and to be honest I never had a problem with the online banking - I kept track of everything on a spreadsheet.