The quote you will have had from your Bank is not actually your Bank, it is a Business called Global Payments LLP..
Banks and their partners are not particularly interested in small business as they generate little business for them so they concentrate on the bigger businesses instead.
Avoid the Banks Merchant processing arms/partners, and also stay very clear of some of the ISO's, (RMS, Handepay, Cardsave - google them for reviews) read the customer reviews for them before you decide who you want to go with and make sure you review the offers very carefully.
Look for a company that specialises in SME start ups, and get a number of quotes, and compare them VERY carefully..
We specialise in SME's and can give you a decision in less than 72 hours, and if approved you can have a terminal two days later. This is not the norm however for the industry.
Streamline/FSB package is good, but you need to be an FSB member to take advantage of their rates, so again be careful, on the other hand if you are going make full use of your FSB membership and are happy to pay the annual fees as a member Streamline could be a good deal for you.
Also checkout
www.paymentbrain.co.uk abnd
www.cardswitcher.co.uk both good information sources..
Also if you would like a quote from me.. Please feel free to PM me and I will let you know the information I need to give you some pricing..
If nothing else READ the T's & C's very carefully for whoever you consider before you sign the contracts, as not everyone is as transparent as they ought to be..
Good luck
Mark