Re: Bank charges
I would have suggested Paypal too Julie - it is easy enough to open an account - I have had one for 13 years and it is great for buying things safely online as well as sending money abroad.
The other party doesn't need a Paypal account as long as they have an email address.
Buying things online particularly, as it means you don't have to put your bank card details on to a company website that you feel unsure about, or haven't used before.