Viewed without subscription, just banking on film needing nothing (4-2-3)

I believe the answer is:

free-to-air

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'viewed without subscription' is the definition.
I don't know anything about this answer so I cannot judge whether this works.

'banking on film needing nothing' is the wordplay.
'banking' is an insertion indicator.
'on' becomes 'to'.
'film' becomes 'AI'.
'needing nothing' becomes 'freer' (I am not sure about this - if you are sure you should believe this answer much more).
'to'+'ai'='toai'
'toai' put into 'freer' is 'FREE-TO-AIR'.

'just' is the link.

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I've seen this clue in The Guardian.

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