As Direct debits are not possible, an option for a small business to open a Debit card only account similar to the personal premium account would be great. A lower cost option based on light use and a limit and cost similar to the personal premium account in a company name would be something that a lot of small businesses would avail of I think. We require 3 cards but the £25/m for just debit cards (as we would not use a lot of the banking features) is an expensive option!