Totally appreciate that this is the case for many people at this early stage!
Now that top ups have been reintroduced on the current account, you can use the current account exactly as you would have your pre paid account if you’d like.
There are currently no fees for topping up, although the discussion around introducing top-up fees is ongoing, and we’ll be sure to keep the community updated once a conclusive decision has been made 
@SamanthaD’s post is a good place to check for updates. Whatever decision we come to, i think it’s really important to remember