Do YOU have multiple bank accounts?

fablad75

1 x Natwest (had it for 9 years, and still necessary to qualify for Reg Saver)

3 x Halifax (one is my main account, but collecting £5s on all three)

3 x Lloyds (for the 4% interest)

1 x Nationwide (used to love the Flex Account for the interest, but now only keeping it for the worldwide cash withdrawals)

So... 8 altogether.

cake21

Two current accounts with the same bank - one has my refunded work expenses going in and the credit card I use for work expenses going out; the other has everything else. This way I don't spend my expenses before the credit card is paid

Sharon87

For me:

Halifax Easycash account - had the account for many years now, first opened when I was 13 or so.

Halifax Current Account - I opened it to get a Visa Debit card. It's now got my overdraft in it that I can't pay off, so my wages go into it and I transfer what I need to Easycash.

Halifax High Interest Current Account (obviously changing soon) - opened to act as the house account - everyone's money gets transferred in and the rent and bills come out of it.

HSBC Graudare Account - Opened as a student account for the interest free overdraft - just trying to pay it off now.

x_raphael_xx

anna42hmr wrote: »

i have 2 accounts (lloyds and natwest)

i have one account that my salary goes into and all my bills/direct debits/standing orders

then the remainder is swept into my other account and that is used for living out of etc

i find it is easier that way as i leave the amount in the 1st account to cover all the outgoings so it doesnt ever go overdrawn and then i know what i have left over as thats in the 2nd account

I do this, but the other way round

I have my main Lloyds account that my wages get paid into every Friday, £200 is transfered out straight away by SO into my Alliance & Leicester account, which all my bills/DD/SOs come out of.

This way I know whatever money I have in my Lloyds account is mine to freely spend, without accidently spending too much & not being able to cover the bills.

I also have 2 savings accounts & an ISA

td_007

2x Abbey - 6% interest
2x A&L - 6% interest
3x Halifax - £5 reward
1x Lloyds Vantage - 4% interest
1xHSBC - linked 8% regular saver
2x first direct - offset mortgage
1x nationwide - Debit card for foreign usage
1x Natwest - waiting to be closed (opened for cashback)
1x- Bank of Scotland ...first a/c sentimental :-)
1x Halifax easycash - Visa Electron card (charge free for some airline booking)

oxenryd

td_007 wrote: »

2x Abbey - 6% interest
2x A&L - 6% interest
3x Halifax - £5 reward
1x Lloyds Vantage - 4% interest
1xHSBC - linked 8% regular saver
2x first direct - offset mortgage
1x nationwide - Debit card for foreign usage
1x Natwest - waiting to be closed (opened for cashback)
1x- Bank of Scotland ...first a/c sentimental :-)
1x Halifax easycash - Visa Electron card (charge free for some airline booking)

you make me feel so much better

D1zzy

td_007 wrote: »

1x Halifax easycash - Visa Electron card (charge free for some airline booking)

probably need another one now :rotfl:
Ryanair is swapping the only type of card that can be used to avoid a charge when booking a flight with the airline.
Users of the Mastercard Prepaid card will not be charged the £5 per person administration charge levied on other card users from 1 December.

td_007

D1zzy wrote: »

probably need another one now :rotfl:
Ryanair is swapping the only type of card that can be used to avoid a charge when booking a flight with the airline.
Users of the Mastercard Prepaid card will not be charged the £5 per person administration charge levied on other card users from 1 December.

Yes...I know. But the fees for the pre-paid card put me off at the moment - cannot bring myself to pay money to get my own money

oxenryd

td_007 wrote: »

Yes...I know. But the fees for the pre-paid card put me off at the moment - cannot bring myself to pay money to get my own money

I feel the same, I think Ryanair will now become my very last resort

katieclampet

LLoyds current account
1 LLoyds saving account (for big bills)
1 LLoyds savings account to pay cc at end of month
1 LLoyds saving account for good interest rate
LLoyds ISA for oh
YBS ISA for me
also have Barclaycard as back up for travelling, (use LLoyds mastercard or visa in uk for collecting airmiles)

katiex