Standing orders close together

prezzacc

Yes,

As i mentioned i was so used to it being fulfilled i forgot it had a minimum on. You are correct.

Thanks

EachPenny

prezzacc wrote: »

As i mentioned i was so used to it being fulfilled i forgot it had a minimum on. You are correct.

Not wanting to labour the point but in that case make sure you keep on funding the FlexAccount to keep the insurance active - at least until you know for sure you will never need it again or the perk is withdrawn.

There is still no reason not to open a 123 account and move DD bills there. You shouldn't do it as a switch because you'd lose the travel insurance, but you could open a 'clean' account, transfer the DD's manually and then have a single SO which transfers from the joint FlexAccount to the 123 account. Whether you go for a full 123 or the 'Lite' version will depend on how much you are likely to leave sitting in the account. If your bills are regular amounts you could cut things very fine with the 'Lite' account, just transferring enough each month to pay the bills or the £500 minimum pay in. It would also give you access to the 5% Regular Saver.

Vortigern

prezzacc wrote: »

..3 is flexaccount yes.

Your FlexAccount needs to be funded externally to keep the free travel insurance.
So you might do: HSBC > NW2 > HSBC > NW3 All transfers to be done manually on payday.