Almost all UK banks are members of the Faster Payment System

I move money from my bank to my broker instantaneously. Moving it back takes overnight, because the broker only runs the process once after market close.

Seems pretty fast to me.

Also, you complain about bank charges, but if you were not overdrawn, you'd not get any.

Most banks will even warn you (email) that a charge may be made and that if you deposit money to cover the 'debit' before close of business you'll not get charged.

Seems to me that you just don't know how to use the current banking system.

I hear this so often, but what happens if you don't have a positive crypto balance and a bill needs to be paid? Crypto overdraft?