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However, it's still wise to know exactly what money you have in the account, and to manage it carefully as while the bank account won't charge you for unpaid direct debits, for example, you could still get charges from the company that hasn't been paid.

Ten banking groups offer these fee-free accounts: Barclays, the Co-operative Bank, HSBC, Lloyds Banking Group (Bank of Scotland, Halifax and Lloyds), Clydesdale Bank and Yorkshire Bank, Nationwide, RBS Group (Nat West, Royal Bank of Scotland and Ulster Bank), Santander, TSB and Virgin Money.

You can also add Apple Card on your i Pad, Apple Watch, or Mac model with Touch ID.

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As long as you have basic ID, you should be able to get one with a debit card, and the ability to pay direct debits.And you can make payments to participating businesses in Business Chat on your i Phone, i Pad, or i Pod touch.In certain countries and regions, you can also add store cards, boarding passes, movie tickets, coupons, rewards cards, and student ID cards to Wallet. To add a card to Apple Pay, you need a Mac model with Touch ID.On earlier models, you can add up to eight cards on a device.

Your Apple Card is automatically added to Wallet and Safari Auto Fill on the device that you used apply for Apple Card.

It's worth noting that, while these banks now offer completely free basic accounts to new customers, some existing account holders are still stuck with older accounts that do charge – so if you've currently got a basic account, double check to see if you're being hit.