How many bank accounts do you use?

UK Financial Chat
26

Oop. :joy:

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27

Is that all? :wink:

Revolut - current account? Thought it was just an e-money account. Iā€™ll check mine :thinking:

Youā€™re a card-aholic though, arenā€™t you? :smile:

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29

Fair enough but Iā€™d be cautious with Revolut, last time I heard they were not FSCS protected.

30

Curve is awesome, only caveat is it takes longer on some card readers to authorise the transaction as it has an extra step to make the payment.

Also the all in one card, no need to bring the wallet!

31

Oh yes I forgot I do have a Starling account too, but only for depositing cash from the post office.

33

Yes, I have viewed and commented on this before. For me, if Monzo had the possibility of a second joint account, we would bank in more or less one place. We currently have the one joint account for bills and the other we would hope for would be joint holiday spending. I know the current frustrations of people who canā€™t get a joint account and this is personal preference. We would be all Monzo apart from BA Premium Amex for day to day spending

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34

Monzo - Joint - Savings and all our DD and bills
Monzo - Personal - My salary goes in here and has personal savings
Chase - I keep at least a Ā£100 on here for spending as the 5% round ups pot. + I move in the Ā£500 to get cashback also.
HSBC - Personal - I use this for random reasons - it holds some bulk savings in the online bonus saver.
HSBC - Joint - The CASS hsbc messed up so I never used this account
Lloyds - Personal - I have this as I have a Help 2 buy ISA. I am in the process of getting my first apartment so this will go soon.
Halifax - Opened for CASS Ā£Ā£ - Will probably keep open for the fact my mortgage is going to be with them.

Regret CASSā€™ing my Starlingā€¦ but my partner was not eligible for one for some stupid reason.

36

Plenty to read about revolut. While FSCS is important it doesnā€™t mean donā€™t use it.

Iā€™ve had no issues in the past 3 years or more. Salary fine, debits fine, transfers fine.

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37

what is the benifit of closing it?

Lloyds will become my new donor for CASS once the H2B ISA goes.

40

Monzo - Main Bank Account
Lloyds Bank - Income goes into specific account
Club Lloyds - Free cinema tickets + put money in for random spending
Chase - also for random spending but with cashback
Revolut - Cashback offers

Barclaycard Platinum - general spending
Capital One - One off purchases
Vanquis - Dormant but use auto top up to amazon to keep activity up which is paid off each month

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