I can't use the Co-op. They won't let me have an account because I apparently have a bad credit rating. (The real reason, I expect, is because I have no credit rating as I've never applied for a credit card or loan, or been late on a bill.) They're probably overdue a computer system overhaul as they've recently taken over several other banks and building societies, notably the Britannia where I had a few friends working.

My pay now seems to have appeared, and my second account doesn't have £0.00 in it any more, so I've got my fingers crossed that I'll be able to go to Tesco tonight. I might go to the branch and get cash though, just in case I get the dreaded 'card declined'.