Q: Why do I need an active bank account to download apps

Hey Craigyboyuk,

It sounds like you may not be able to choose "None" when you attempt to edit your payment method in the iTunes and App Stores. The page linked below details why this may be the case, and how to correct whatever occasion may be preventing you from choosing "None" for your payment method.

Why can’t I select None when I edit my Apple ID payment information? - Apple Support

All my best