Crossword Genius

Worry about Bank of England that is holding money for holiday (4,4)

Ross

I believe the answer is:

free time

'holiday' is the definition.
(time off work)

'worry about bank of england that is holding money' is the wordplay.
'worry' becomes 'fret' (to fret about something is to worry).
'about' indicates putting letters inside.
'bank of' suggests taking the first letters (one side or 'bank' of the word).
'that is holding money' becomes 'ime' (I can't explain this - if you can you should give a lot more credence to this answer).
The first letter of 'england' is 'e'.
'fret' enclosing 'e' is 'freet'.
'freet'+'ime'='FREE TIME'

'for' acts as a link.

I've seen this clue in The Independent.
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