In reply to henwardian:
I don't think the account providers mind to be honest. As long as you meet the criteria of paying in a set amount each month. It doesn't have to stay there - mine tends to go in and out within a few minutes
the only minor faff I have is that it can't be from the same bank, so where me and the missus both have a lloyds account (for example), I'd have to:
-Get paid into my main account (First Direct)
Pay a lump into my Lloyds account
-Pay it back from my Lloyds to my First direct account
-Pay it agan from my First Direct account into the missus's Lloyds account
-Pay it back from her lloyds account into my first direct account.
-(they don't like it when you pay directly from a Lloyds account into another lloyds account)
Appreciate it sounds like a faff, but it's half an hour a month, and having the apps makes it surprisingly painless.