Without cash deposits and other things we need top up by debit card as a back up not everyone has online banking and we do have cash to pay in and not always able to pay over by bank transfer so top up comes in handy if cash deposits at post office was available and instant credit to the account I’d stop topping up by debit card completely but that’s seems like years away there’s no quick fix to cash deposits about time you done something about it then I can just use monzo but I can’t pay cash in and still have part of income in cash so I pay in to virgin money account as of yet no online banking to do instant bank transfer so I have to top up by debit card it’s that simple not everyone has all money coming by bank transfer