I tried to sign up to this last night but they took £38.80 from my account anyway. I am waiting for them to reply to my email asking for a refund, especially as I have discovered a sign up fee free option.
I have always managed to set my DD to my cashcard account before using the Visa option as I don't use credit cards, and I've never had a problem. I hope they haven't changed this. I put Paypal as my option last night purely because I was signing up on my phone and didn't want the kerfuffle of putting in ally account details.