well if you're a financial advisor I wouldn't come to you for advice as you are a) downright rude and b) you have absolutely no idea what you are talking about.... when I took out the basic bank account I didn't tick any boxes to say I didn't want a debit card because there was no option to have one. Strange as it may seem to you but I do know what facilities are available on ALL my accounts...strangely you seem to know more than me about them without having the slightest idea who I bank with.
Quite simply not all current/ instant access accounts come with a debit/ credit card.... some really do come with only a cash card to access money through atm's... and if you wish to deny that then your "professional integrity" is shot to pieces because it is you that is "wantonly promulgating falsehoods"
I know exactly what I'm talking about, which is why I pointed out that you were wantonly promulgating falsehoods. I don't work in financial advice, I work for an organisation that overseas the services across all banks.
State exactly which bank you bank with - don't take too long trying to find one that doesn't offer a debit card for their basic bank accounts now...
Just to be balanced, I hold current or savings accounts with...
Lloyds
RBS
HSBC
First Direct
Clydesdale
Barclays
Nationwide
Santander
Skipton
Virgin Money
and in addtion have Credit Cards from
MBNA, Amex, Creation, M&S, John Lewis, NewDay, BoS, Barclaycard, Virgin Money