Thanks Fighting Falcon.
I've been doing a lot more homework since I posted earlier. Not all UK banks offer a merchant account, mine included.
The ones that do are: HSBC, Lloyds (Cardnet), Barclaycard Merchant Services, RBS / Natwest (Streamline), and Bank of Scotland.
Bank of Scotland quoted me £160 setup, £15 monthly fees and 2.8% charge on CC's, 45p on Debit Cards. They seemed willing to negotiate. BOS guy I spoke to also said I was the second person he'd spoken to this morning that was a previous PaySystems customer! Now there's a surprise...
Streamline want £250 setup, no monthly fees, and 5.0% on credit cards, 35p on Debit cards. They seemed unwilling to negotiate. ePDQ is another £25 per month on top but I think I'll give that a miss as Protx, SECPay seem more competitive...
The others have all said they need 3 working days to get back to me!
Any experiences with UK Merchant Banks is welcome - also if anybody knows the rates of the others save me waiting for them to bother themselves to call me back.
On the subject of payment gateways. I've been looking at Protx and SECPay and have sent both of them technical questions so I'll see who wins the responsiveness prize.
Not so sure about SecureTrading - they seem a bit evasive about their pricing on the website - again anybody had experience?