Copied this from my post on a similar thread of another forum, because my set up is mostly the same, though of course excludes things like wealth and pension. I don’t have apps of those, but I recently consolidated all of that with Nutmeg, and my account with Barclays is now just a skeleton of what it once was.
I have accounts beyond these too, but they don’t play an active role in my life right now so they’re excluded, and I don’t keep the apps installed.
To summarise, here are all the apps I still have on my phone.
Atom & Marcus
— Instant savings. I split 50/50 between the two
— The Contingency. The account I fall back when whatever fintech I’m using isn’t cutting it. Also still have a Barclaycard with them. First credit card I had. Very high limit. Stays for the most dire of emergency situations.
— For the Americans. Fee free instant transfers to friends and family back in San Jose and NYC. Kinda hoping the debit card and other features make their way to the U.K.
— Pots done right. I’m not a fan of pots, but I do like segregation, and Chase looks like the
perfect Monzo Plus killer. For now, I intend to use them for card spending, and as my only physical card I leave the house with. Longer term, once the other basics are in place, there’s a real possibility they could replace Monzo’s role. We’ll see how it goes.
— ad hoc investing. Mostly SMT and PCT.
— My core account. With Monzo Plus, they’ve gotten very close to perfect for me, if a little over engineered in places.
— PayPal credit mostly. I also still use it as my wallet for most places so fewer places to update my card details.
— Don’t use it. Keeping it to see what happens.
— Got this purely for the Child&Co card, and no other reason. Keep it for ATM withdrawals without a card, and to send cheques at birthdays, replacing the role of Triodos. Will use it for depositing cheques going forward.
— haven’t figured out what to use it for yet. Probably a travel card, though I’m thinking Chase will serve that role now. Will keep it around just in case, and definitely won’t be closing it ever again.
— My phone is my wallet. Literally. Aside from a backup physical card in my shoe, just in case, my Phone is the only thing in my pocket.