I've often seen references in Britain to "produce some form of ID such as a driver's licence", but I've never had any trouble with using utility bills and the like.

How large is a "large amount of money"? I think £250 is the daily withdrawal limit here but all you need for that is your debit card, no other ID. In fact, I don't think I've ever been asked to produce a photo ID as such - obviously I've been asked for my passport when going abroad, and I've worked for companies which issued photo-IDs to their employees, but they're specific-purpose IDs which just happen to have photos on them.