I have just been reading your post about ATMS v travellers cheques. You dont always have to pay commision on travellers cheques, it depends on what type of bank acccount you have.We have never had to pay any at all even when cashing in unused ones back home.
I do however like the sound of the NW flexi account, sounds much better to me as you dont have the bother of going to a money exchange. I have never heard of this particular account before but I will certainly be looking into getting one. Thanks for that.