Current Account recomendation

[Mashwort]

Hi, need to find a new current account as my existing bank is removing their current account product (to be fair its sh*te and I should have moved long ago but never got around to it).

The one thing is does have is multiple accounts / pots - so I can have a current account, my wife has her account, we have a joint account (all the bills come out of this) and we also several saving pots - this suits us very well and would like to keep this functionality.

So any recommendations on good current accounts with multiple accounts / pots?

thx

[superpp]

Starling has you covered on all those, also works great overseas with no fees.

[Funk]

If you don't need to pay in cash or cheques, Chase will do all that.

I still have my Nationwide account though as I can't be bothered moving all my DDs and payroll over, I just leave a float in there and move everything else to Chase. All my day-to-day spending goes through there and I get 1% cashback on most purchases, 1% interest on current account balance and 3.3% interest on all savings accounts (instant access) with them.

[Mashwort]

superpp said:

Starling has you covered on all those, also works great overseas with no fees.

thanks - do you have experience with high value transactions with them, my ins and outs are a bit random and can be large and my current bank are pretty good / have a call centre you can talk to! Have used revolut and they are a complete pain to deal with once they think something is out of the ordinary!

[Blue Mk8 Golf R]

Funk said:

If you don't need to pay in cash or cheques, Chase will do all that.

I still have my Nationwide account though as I can't be bothered moving all my DDs and payroll over, I just leave a float in there and move everything else to Chase. All my day-to-day spending goes through there and I get 1% cashback on most purchases, 1% interest on current account balance and 3.3% interest on all savings accounts (instant access) with them.

I have done the same and over the past year i have moved large sums around as well

[Shiv_P]

Funk said:

If you don't need to pay in cash or cheques, Chase will do all that.

I still have my Nationwide account though as I can't be bothered moving all my DDs and payroll over, I just leave a float in there and move everything else to Chase. All my day-to-day spending goes through there and I get 1% cashback on most purchases, 1% interest on current account balance and 3.3% interest on all savings accounts (instant access) with them.

Chase does not do joint accounts

[Wings]

I have a Chase account, but for me after nineteen (19) years with First Direct, i have no intentions of moving away from the best app, online banking account, 24/7 phone line.

[Funk]

Shiv_P said:

Funk said:

If you don't need to pay in cash or cheques, Chase will do all that.

I still have my Nationwide account though as I can't be bothered moving all my DDs and payroll over, I just leave a float in there and move everything else to Chase. All my day-to-day spending goes through there and I get 1% cashback on most purchases, 1% interest on current account balance and 3.3% interest on all savings accounts (instant access) with them.

Chase does not do joint accounts

Ah, missed that they need a joint one.

[Mashwort]

Wings said:

I have a Chase account, but for me after nineteen (19) years with First Direct, i have no intentions of moving away from the best app, online banking account, 24/7 phone line.

Thanks Wings, do they offer multiple accounts / pots so you can have different accounts for different activities? thx

[superpp]

Mashwort said:

superpp said:

Starling has you covered on all those, also works great overseas with no fees.

thanks - do you have experience with high value transactions with them, my ins and outs are a bit random and can be large and my current bank are pretty good / have a call centre you can talk to! Have used revolut and they are a complete pain to deal with once they think something is out of the ordinary!

not really, they held a car payment transfer whilst they did a check but I phoned them and got it resolved quickly.
they come out consistently high/top on customer service reviews.

[steve_n]

First Direct for normal banking and then some Starling ones for overseas stuff.

[HustleRussell]

Is the First Direct banking app any good?

They are paying £175 + £30 Amazon voucher to switchers until Monday (see Money Saving Expert)

[RicksAlfas]

HustleRussell said:

Is the First Direct banking app any good?

They are paying £175 + £30 Amazon voucher to switchers until Monday (see Money Saving Expert)

The app is good. Very simple in appearance. Just black and white text - no fireworks or swimming fish, but it works well.
Plus you can ring up and talk to a real person in Leeds in an instant if you need to.

7% regular saver (up to £300 per month, per person) as well.

[funinhounslow]

RicksAlfas said:

HustleRussell said:

Is the First Direct banking app any good?

They are paying £175 + £30 Amazon voucher to switchers until Monday (see Money Saving Expert)

The app is good. Very simple in appearance. Just black and white text - no fireworks or swimming fish, but it works well.
Plus you can ring up and talk to a real person in Leeds in an instant if you need to.

7% regular saver (up to £300 per month, per person) as well.

Agree with this. The app looks basic by today’s standards but is simple and works well enough.

The big draw for me is one phone number and you get straight through to a UK call centre with no menus or faffing.

Haven’t called them for years but the facility is reassuring.

Having said that no frills like cashback or commission free overseas use so I now use it in combination with a Chase account which isn’t as complicated at it sounds…

[Sir Bagalot]

First Direct. When you want to call them they actually answer the phone. Even at 3am

Starling for non UK use due to reduced charges

[2gins]

15 years with First Direct likely to be coming to an end now because their app only works on Android 9 and up and my phone runs 8 and can't be easily updated. I've reached the conclusion after hours of googling over the last month that it's going to be easier, cheaper and lower risk to change my bank than change my phone. They offered a digital key but I just can't be fannied with that as I travel for work a lot and it's another fat lump of plastic to cart about with me everywhere.

We need a joint account but Starling won't suffice as Mrs 2gins doesn't want another account (you both need a Starling account first). I've thought about maintaining the FD account and using Chase or Starling day to day but with 3 FD accounts, 2 ISAs and 3 other savings account to keep track of I'd like to keep it simple and give FD the boot.

Where to go?

[E63eeeeee...]

To a phone that didn't stop getting OS security updates two years ago, Mr Botnet node. That would be my suggestion anyway. I wouldn't be doing online banking on it either with any bank.

[bitchstewie]

2gins said:

Where to go?

Carphone Warehouse?

OK maybe not literally but genuinely why would you let your ancient phone dictate your bank?

At some point you will have to replace the phone.

[Funk]

bhstewie said:

2gins said:

Where to go?

Carphone Warehouse?

OK maybe not literally but genuinely why would you let your ancient phone dictate your bank?

At some point you will have to replace the phone.

When your bank says your phone's no longer safe to use, you really ought to listen..!

[Harpoon]

Not wanting to make it a pile-on but you could move to another bank which supports your phone (eg Nationwide which says they support Android 7) but a month after moving your account, they release an update requiring you to be on Android 9...