Wiki: Current account features

Since I accidentally started to move the Wiki: Current Account Switching Incentives off track a little I thought I’d start this. What bank has what. So here’s what I know, feel free to add/edit!:

Bank Available balance first Instant Notifications Transaction Maps Roundups In-app budgeting Spending analysis Cashback Cheque Imaging Cash deposits Pots equivalent
Monzo :white_check_mark: :white_check_mark: :white_check_mark: :white_check_mark: :white_check_mark: :white_check_mark: :no_entry_sign: :x: :white_check_mark: Chargeable :white_check_mark:
Starling :white_check_mark: :white_check_mark: :white_check_mark: :white_check_mark: :white_check_mark: :white_check_mark: :no_entry_sign: :white_check_mark: £750 :white_check_mark: :white_check_mark:
Chase :white_check_mark: :white_check_mark: :white_check_mark: :white_check_mark: :no_entry_sign: :white_check_mark: :white_check_mark: :x: :x: :x:
Natwest :white_check_mark: :white_check_mark: :no_entry_sign: :white_check_mark: :white_check_mark: :white_check_mark: :no_entry_sign: :white_check_mark:
RBS :white_check_mark: :white_check_mark: :no_entry_sign: :white_check_mark: :white_check_mark: :white_check_mark: :no_entry_sign: :white_check_mark:
Lloyds :white_check_mark: :white_check_mark: :white_check_mark: :white_check_mark: :no_entry_sign: :white_check_mark: :no_entry_sign: :white_check_mark:
HSBC :white_check_mark: :white_check_mark: :no_entry_sign: :no_entry_sign: :no_entry_sign: :no_entry_sign: :no_entry_sign: :white_check_mark:
First Direct :no_entry_sign: :no_entry_sign: :no_entry_sign: :no_entry_sign: :no_entry_sign: :white_check_mark: :no_entry_sign: :white_check_mark: :white_check_mark: :no_entry_sign:
Barclays :white_check_mark: :white_check_mark: :no_entry_sign: :no_entry_sign: :no_entry_sign: :white_check_mark: :no_entry_sign: :white_check_mark:
Kroo
Metro Bank
Co-operative :no_entry_sign: :no_entry_sign: :no_entry_sign: :no_entry_sign: :no_entry_sign: :no_entry_sign: :no_entry_sign: :no_entry_sign: :white_check_mark: :no_entry_sign:
Halifax
Nationwide :x: :white_check_mark: :x: :x: :x: :x: :x: :white_check_mark: :x:
TSB :white_check_mark: :white_check_mark: :white_check_mark:
Santander :white_check_mark: :no_entry_sign: :no_entry_sign: :no_entry_sign: :no_entry_sign: :white_check_mark: :white_check_mark: :white_check_mark: :white_check_mark: :no_entry_sign:
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Added roundups to Starling.

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Love seeing how feature rich First Direct are!

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What does “Available balance first” mean?

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That the big number you see is the money you can spend (so balance – pending transactions)

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Note that NatWest/RBS push notifications are just for debit card spending. You don’t get one when money hits your account, for example. They’re also silent, like most others apart from HSBC.

Out of all the BAM banks, HSBC’s notifications are the nearest thing to Monzo’s & Starling’s.

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Hsbcs are all in capitals and have some weird space in them between sender and ref maybe? Hope first direct don’t go the same way.

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Weirdly that’s why I like them. Simplicity!

Tbh that doesn’t really bother me - just pleased that a traditional bank can do it (almost) right!

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LBG has good in/out notifications if memory serves well.

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I’d say there’s a difference between simplicity and lack of functionality

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I don’t think nationwide ticks are accurate.

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They’re OK but sometimes delayed. Also silent, so if you’re waiting to receive a payment you have to keep checking to see if there’s a notification, in which case you may as well just keep checking the app!

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Most obvious one is round ups. Nationwide does have them, even if you do have to press a button to transfer the money.

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Not sure how you edit it but Co-Op don’t have instant notifications, don’t have map, don’t have round up, don’t have in app budgeting, don’t have spending analysis, don’t have round up and don’t have cheque imaging.

Co-op has a red X for it all.

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I don’t know how to edit it either, but Santander has
available balance first (if that means what I think)
spending analysis
cashback offers
Cheque imaging (up to £500)

and doesn’t have
instant notifications
maps
roundups
in-app budgeting
pots

1 Like

If you hit the :pencil2: Edit icon bottom right you should be able to.

It’ll look something like this:

| Bank | Available balance first | Instant Notifications | Transaction Maps | Roundups | In-app budgeting |Spending analysis| Cashback | Cheque Imaging | Cash deposits | Pots equivalent |  
|---|---|---|---|---|---|---|---|---|---|---|
Monzo|✅|✅|✅|✅|✅|✅| :no_entry_sign:|:x:|✅ Chargeable|✅

It looks a bit scary but shouldn’t be:

  • The first line is the header of the table. Each column is separated by the pipe symbol “|” < don’t change this unless you’re adding extra columns
  • the next row just tells the forum that it’s a table. It’s pipe (“|”) followed by “—” followed by pipe - repeated n times where n is the exact number of columns in the header. If the whole table breaks it’s probably because the number in this row doesn’t match the number of columns in the header row < only change this if you’ve changed the first line
  • It’s then a line per bank. For a new bank you could copy another bank’s line, change the name then copy/paste :white_check_mark: or :no_entry_sign: / :no_entry: or :x: according to taste. To find the right cell, look at the bank name in the left, then count along using the pipe | marker to the right to get to the right place.
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Thank you. I attempt it. Unsure if it’s correct it looks ok tho on my end.

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Done! Poor the Co-operative!

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I think that is Santander done

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