Linked business bank account and card reader terminals

crocus

I'm opening a shop in a few weeks and need to open a bank account and get a contract for a card reader. I'm thinking it'll be more straightforward to go for a terminal linked to a bank and need to decide between:
- Bank account with Natwest or RBS, with 6 months no rental with Streamline. The monthly rental after 6 months is £15; the credit card charge is 1.3% and 15p for debit cards. Sounds good but I'm fearful of their 3 year contract. There's a £100 set-up fee too.

- Barclays is a shorter contract at 18 months and no set-up fee but the costs per transaction are higher at 1.5% for all transactions including debit cards. I'm expecting most my card transactions would be debit rather than credit cards. The monthly charge seems to range from £13 to £25

- Lloyds Cardnet seems to have quite a high set-up free of £175 if I'm right and charges 1-3.4% on credit cards and 20p for debit cards. Didn't find any contract length info but saw a termination fee of £200

Any advice or experience to share? Thank you!