ds has had a nationwide account for ages..he was at school to start with and they invited him to open a flexaccount instead of smile or something so he did and they put 10.00 in it
a few months later they wrote and asked hime to open a flexaccount so he closed the one he had and opened another and they put 10.00 in it
he has done this 4 times
so there are accounts for people without money