I was thinking along the same lines as the pay pal,but then came across the Weston union pre -paid master card.they charge £10 for the card give you a pin number and its good to go,send the card to your loved 1 phone tell her the pin number over the phone when she gets it and the card can be used at any ATM.You top it up over this side by a pay point or your bank debit card on line which don't cost you anything.You cant go over drawn with card as it only lets you take whats you top it up with no more.Drawback is the commission that side at the ATM but it works out a lot cheaper then paying £14 every time you send money I think the limit you can put on the card for 1 year is £1600.
