&#62;<i>an account that doesn't allow an unauthorised overdraft</i><p>Is that even possible.<p>No account with a cheque facility could prevent you making an unauthorised overdraft. Nor indeed could it have Maestro (et al.) as balance is not normally checked when making authentications or done as part of the purchase process. So it would have to a cash only account... and then the chance of the bank making money from you must be low; meaning they'd probably have a standing charge?