Odin, we have a cashplus card. It costs us just under £5 a month to have, but you can use it anywhere you can use a mastercard, including UO subs. We applied on line, but you don't need to pay anything on line, set up fee can be paid over the counter at the post office in cash.
It has no link to any bank account, you just load it with cash at the postoffice or several other outlets. We like it because it means we can buy stuff online without giving out our bank details. Can also use it to go shopping in the local supermarket.