If it aint broke don’t fix it
I consolidated all my accounts to Monzo to take advantage of their pots and other features to help me budget and manage my finances a lot better. Having different spending habits spread across different accounts didn’t give me the full picture.
Being full Monzo is so much simpler now. With multiple banks you need to login and out of each of their online banking/apps and faffing about moving money eventually became tedious. Now I’ve customised my account, setup rules for pots and direct debits etc everything works in harmony and I only have to carry 1 card around too
Joint accounts was just the cherry on top for me and my partner.
It’s also great to be involved in a bank that is evolving into something spectacular. They make you feel like you’re important and you actually get feedback on your ideas and suggestions from real people that genuinely care what you have to say.