Thanks both. I think I was confusing it with my business account which does not remember the references. Looks like my personal and joint accounts do. I didn’t know about editing the payee so I’ll take a look at that as well.
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Just to mention chase has no ability to pay in cheques or cash in any form.
That was my biggest deal breaker for Chase, much preferred the virtual cards link to Pots like Monzo.
I much prefer the way Chase does it, personally.
I found virtual cards linked to pots to be very cumbersome, frustrating and inflexible, which just didn’t work at all for me. Not to mention you have to pay for the privilege.
I think the solution we’d all prefer here though is what Monzo has done in the US.
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I hear that, for me I used a virtual card for TFL, another one for all my streaming services etc. For day to day I just used my physical monzo card.
So for me the chase issue was that say I set the debit card to my TFL account, and half way through the day spotify hit my account, it would come from the wrong place.
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I just set up 4 accounts. Though not sure if it’s better to open saver accounts and earn interest on the money sat?
I struggle with budgeting in this format though, I used to be fine at it ie monzo Pots but as the years moved on I struggle big time 
Am curious if it’s a form of ADD or similar (currently in motion with the psychologist).
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That’s what I’m doing now there’s no interest on current accounts, which functionally makes them more like pots. I transfer money out into one of my current accounts right before I buy anything.
I’d say it depends if that works for you. For budgeting purposes, current accounts are likely going to be better for the segregation than doing it that way. Especially if something like ADHD or ADD is at play. But the barriers that puts up aren’t impervious to impulse. It’s easy for you to circumvent so it still requires some self discipline.
Do you have any kind of insight into what’s making this approach more difficult for you now? Is it just an inability to control the impulse and not take money out of a different account to cover an expense in another? I think identifying that is key to finding a solution that might work better for you now.
I honestly don’t know what’s changed but if you look at how many times I change my main account 
it annoys me but something just needs to do it in my mind.
As for having to move funds for spending, I probably have it too easy to spend via convenience ie either all on one card or over multiple.
Cant seem to find a way that works for me.
All in one account? Spend freely.
Multiple pots? Use a credit card as I cba to move it.
Impulse for sure, numbers and card types aplenty also don’t help, then a continuous sense of boredom (same in person, heavily distracted for no reason in my day to day). Work are supportive of my ways though 
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This is exactly me. I get frustrated with myself
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I think sometimes it becomes even more to sort and manage, when it should be helping it’s actually hindering.
Some of the ways people manage their money that you see on here absolutely blows my mind, but you’ve got to do what works for you.
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Ah, I’m sorry Carlo. 
Would culling the credit card(s) help at all?
Credit can be incredibly toxic when we struggle to discipline ourselves. It’s folks like you and me that are exploited by credit when we find ourselves in that situation.
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Culling the cards is the next step once I move.
Should probably also close all, or at least remove all accounts from my phone except two (monzo for folks who pay me and a main account).
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Is their a self exclusion service like there is for gambling for credit products?
I believe you can add friction using a cifas marker but if you could exclude yourself for 3-x months without it being seen as a negative for credit score (as you are taking control) I think it would be useful especially for those addicted to the Klarna checkout sort of system.
I am not saying you are a credit fiend, just a question for general folks out there as your post made me think about others with serious impulse control.
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I get this a lot with banks. I like something from one bank and really want to try it, but then the grass is often greener and/or I get bored quickly.
As I used YNAB I’m definitely not a pots person, but I do think being on these forums makes you want to move banks more than normal.
Then I sometimes just think I should stick with one bank, same as my other half, build up a relationship with them, joint account, credit cards etc leading to a mortgage and just be… well, a grown up (feeling).
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I’ve always been like this with banks too!
I think for me, it stems from a frustration with the options available in the industry. Nothing quite fit everything I wanted. So I was never content.
I think there’s been two moments in my life where I finally found the bank I was content with. First with N26 (I believe I’d still be with them today had they stayed, if they return, I’ll move back in a heartbeat), and then again with Chase to a lesser extent. My itch is scratched, so to speak, and I’ve no lust to go anywhere else or explore other options anymore. I keep a watchful eye on Algbra but that’s about it.
I think finding the right bank account, or combination of accounts for you is incredibly empowering. It’s just the finding and settling that’s the hard part!
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I wish there was a bank I liked that had everything: current account, joint accounts, savings, credit card, mortgages. With a nice app. And preferably instant notifications. And no fees overseas (I still do not understand why banks continue to charge them).
My other half is with HSBC, and he likes them. Unfortunately try as I might they only offer me a basic account with no real reasoning and even my local branch manager can’t figure it out.
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This is me. 
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I often get bored with banks but usually couldn’t be bothered changing, I did change 4 times this year though for my main account and then ended back with Starling anyway who I used as my main since 2019. 
I have started using Revolut as my personal spends account though, Starling is joint.
Also put me down as someone who gets suckered in by credit cards. 
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I think I know.
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probs
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