I use Chip. 4.2% for first year.
I like it as it shows how much interest you’ve earned daily, pays monthly. Instant deposit/withdrawals from nominated bank account. No need for attached current account etc.
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They were… Abbey National, Alliance & Leicester, Woolwich, Norwich & Peterborough, Chelsea. First two taken over by Santander, Woolwich by Barclays, and last two by Yorkshire Building Society who promptly closed their current accounts down.
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Good shout Arnie7, I loved my N&P account and also preferred Abbey National over Santander, mind you this was back in the ‘chequebook’ days
I think the Cumberland is the only other building society that still offers a current account.
Yorkshire Building Society used to have a credit card, many years ago, but it was only a rebranded Co-op Bank card; YBS didn’t actually run it themselves.
Cahoot Sunny Day Saver 5% up to £3k
Or their Simple Saver is currently 4.17% up to £1m.
Not sure why these aren’t better known!
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They sure are very well known and thoroughly discussed on the MSE boards ! Esp when until recently Cahoot was paying £25 cashback when you opened either account and put in £100.
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Is it still on? I would do with that £25
Sadly it looks like they have now discontinued their cashback campaign. I got £100 cashback (via TCB) from both Santander (2x£25) and Cahoot (2x£25) in Nov-Dec 2025. The Santan rates were very meh but you had only to put in £100 each & keep the £100 in the account only for 1 month or so. Then as late as March 2026 I chanced it again and opened a second Cahoot Sunny Saver via Quidco, and to my surprise 1.Cahoot let me open a second Sunny Saver 2.Quidco tracked and paid £11.25 (lower cashback rate but I am not complaining).
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Dwindling my setup down a lot this year so far, considering closing my Revolut account as I know I will never use it, license or not.
Currently got:
Starling personal (wage) and joint (spending + bills)
Monzo personal and joint (both dormant)
Nationwide personal (dormant) and credit card (my only CC)
Revolut (dormant)
Getting to a point where I don’t see the point having loads of dormant accounts and I don’t really get FOMO anymore when it comes to bank accounts (feels silly to say)
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Still holding out hope for Revolut to become my all-in-one finance app despite using them less and less 
They have S&S ISA with no platform fees (number of free trades depends on plan but 1 a month is enough for my usage), savings rates are better than Monzo & Starling (even after the boosted rate ends) and will be bringing out a CC (even if it’s only RevPoints, I only really use them for S75 on larger purchases anyway) but there’s just something holding me back, don’t know what it is.
Currently have all joint spending/bills with Monzo (wife uses and prefers them), kids account with Monzo and most my personal bills/spending are still Starling.
If Monzo ever stop locking the features behind the Extra plan (or waive the fee for paying in salary etc) I’d consider moving my personal bills/spending to them as it would be easier to have one app for everything.
I’d even move my investments/pension over if they dropped the platform fees.
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Do you have any legacy banks?
Honestly if Revolut or Starling bring out a CC and give me a decent limit (looking at you Flex…) then I would happily get rid of Nationwide, only got my personal left open as you need it for the CC.
Potential CC is the only reason I have kept Revolut open
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My other half won’t move from Monzo to Revolut 
and my head can’t deal with the hot coral colour for long 
Other than bill splits or him sending money to Monzo I then send to Lloyds, everything is at Lloyds.
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Given the choice of Monzo vs Revolut I think I’d stick with Monzo as well
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He was with Chase since day 1, and then I put it to him to move. He doesn’t like changing banks unlike some of us 
Revolut, for the second time, has messed up some direct debits and that leaves a sour taste. Otherwise everything else is near perfect.
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So I keep moving around but currently I see:
- Santander as my salary account
- Nationwide for our joint account (and hence household bills)
- Revolut I use for TFL & Subscriptions plus the odd coffee
RBS I am closing, Monzo is switching end of month. Just re-opened the Triodos which may become my main account
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The first time would have been enough for me to nope right out of Revolut I never used them for anything proper though, so no ties to them like you have
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I’ve not had any issues otherwise. No bans, no account review, only one fraud attempt on my Ultra card which got blocked forever which I was kinda annoyed about but everything else spot on.
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Still have Barclays, mortgage is with them and get my salary paid in for free Apple TV but I have a standing order that moves it straight out the next day so don’t often need to use the app
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Apart from a month with RBS in 2023 and 2 months with Nationwide this year I’ve not used a legacy bank since opening Starling in 2019, I probably will keep my Nationwide personal account open as a “just in case” but I can’t think of any reason why I will ever need it
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Since I last updated, I’ve…changed nothing. Still HSBC all in
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