Here is a scenario:
- I would like to maintain around 500 gbp on my account for everyday spending and
- I also have standing order for rent (say 2300gbp/mo), internet (50gbp/mo), gas & electricity (80gbp/mo), council tax (150gbp/mo)
giving in total around 3000 gbp a month which I must have available on my account.
On the other hand, I feel utterly uncomfortable realising that I have to have nearly 3000 gbp on a single account, to which I have access from my card (which I use for Internet shopping), Google Pay and so on… Ideally, I would like to split it into two separate accounts:
- one for paying large/regular amounts (rent, gas/electricity, council tax and so on) without access from Google Pay and card.
- another for everyday usage with small amount of money with access from Google Pay and card.
And of course, in this situation, I should be able to link my card to different accounts, for example in my previous bank (in a different country) I had several accounts with national currency, one account with US dollars and one account with GBP. And switched account of card to GBP when I travelled to UK, and switched to USD when I travelled to US.
I was hoping that Pots might solve the problem, but I can not set up standing order directly from Pots (since they are not real accounts).
So, what do you think about being able to create additional accounts?