that's a little similar to p2p market, but not all. when you make a deposit on LakeBTC, Lake Banker will recive your request. of course, I am one of Lake Banker now. then you directly transfer your deposit to me (Bank charges need you to bear), and I put a deposit in advance in LakeBTC account, your deposits will trasfer directly from my account. That's over.

You have to admit that I am more or less played some role in it, so you just pay me 1-50 GBP as a tip (the specific tips depends on your amounts). Nevertheless, it's still spent very little time and cost in the entire process.