In reply to James Malloch:
Not 'bells and whistles', so maybe not what you're looking for - but the Nationwide FlexPlus current account costs £13 a month, has decent interest, a small overdraft that's fee free for a quarter of a year, gives access to a credit card which is really good for spending abroad, gives travel insurance for the family worldwide (not for mountaineering activites, though), UK and European breakdown insurance, and family mobile phone insurance worldwide.
If you're using several of these, it seems a reasonable deal; it clearly isn't worth is just for the breakdown cover on its own.