Banking Query

Wrights2k20

Currently Bank with Bank of Scotland
Monthly Saver £1500.00 with BOS
Investment with £3300 with Bank of Scotland
4k in Stocks and Shares ISA
No Debt

Thinking of getting a 2nd current account to split my bills into - Specsavers, Vodafone and Amazon Prime all bills I have.  I am planning on buying a home next year and think at this stage it might be easier heading into the new year with separate accounts for bills and spending.  Anyone recommend a current account provider?  May go with BOS but in the interest this fails im locked out of cash so thinking of going with a 2nd bank

jsmith9

I would go with a completely separate bank. 

If instant notifications (of money in and out) on your smartphone are useful to you then banks like Monzo, Starling and Lloyds do this.

Not Halifax as I believe they are also BOS.

Wrights2k20

jsmith9 said:

I would go with a completely separate bank. 

If instant notifications (of money in and out) on your smartphone are useful to you then banks like Monzo, Starling and Lloyds do this.

Not Halifax as I believe they are also BOS.

Yeah thats my thinking! Looking some recommendations! Ideally just looking for all around good mobile banking

Lightning360

Wrights2k20 said:

jsmith9 said:

I would go with a completely separate bank. 

If instant notifications (of money in and out) on your smartphone are useful to you then banks like Monzo, Starling and Lloyds do this.

Not Halifax as I believe they are also BOS.

Yeah thats my thinking! Looking some recommendations! Ideally just looking for all around good mobile banking

Lloyds, Halifax and BOS are all part of the same group. I would avoid Lloyds as well and try to go for a different banking group.

Wrights2k20

Lightning360 said:

Wrights2k20 said:

jsmith9 said:

I would go with a completely separate bank. 

If instant notifications (of money in and out) on your smartphone are useful to you then banks like Monzo, Starling and Lloyds do this.

Not Halifax as I believe they are also BOS.

Yeah thats my thinking! Looking some recommendations! Ideally just looking for all around good mobile banking

Lloyds, Halifax and BOS are all part of the same group. I would avoid Lloyds as well and try to go for a different banking group.

Any suggestions?
Was looking at NatWest but also read some poor press regarding their secruity and fraud but also guess every bank has those customers that have been let down.

jay1804

Wrights2k20 said:

Lightning360 said:

Wrights2k20 said:

jsmith9 said:

I would go with a completely separate bank. 

If instant notifications (of money in and out) on your smartphone are useful to you then banks like Monzo, Starling and Lloyds do this.

Not Halifax as I believe they are also BOS.

Yeah thats my thinking! Looking some recommendations! Ideally just looking for all around good mobile banking

Lloyds, Halifax and BOS are all part of the same group. I would avoid Lloyds as well and try to go for a different banking group.

Any suggestions?
Was looking at NatWest but also read some poor press regarding their secruity and fraud but also guess every bank has those customers that have been let down.

I would suggest a App bank. Monzo or Starling

Lightning360

Wrights2k20 said:

Lightning360 said:

Wrights2k20 said:

jsmith9 said:

I would go with a completely separate bank. 

If instant notifications (of money in and out) on your smartphone are useful to you then banks like Monzo, Starling and Lloyds do this.

Not Halifax as I believe they are also BOS.

Yeah thats my thinking! Looking some recommendations! Ideally just looking for all around good mobile banking

Lloyds, Halifax and BOS are all part of the same group. I would avoid Lloyds as well and try to go for a different banking group.

Any suggestions?
Was looking at NatWest but also read some poor press regarding their secruity and fraud but also guess every bank has those customers that have been let down.

I use both Santander and Nationwide. I haven't had any problems with either. The Santander app is more basic but it does what it aims to do well. 
The differences between most banks aren't as large as people think. All banks will have its successes and failures, and a lot of the time it just depends on luck (e.g. which customer service employer you happen to get).

Wrights2k20

Any views on Barclays?

EarthBoy

Wrights2k20 said:

Any views on Barclays?

I like Barclays. Their app is more advanced than many others, although not quite as simple to use as Lloyds or Halifax.
They have instant notifications, but these aren't as specific as the Lloyds/Halifax ones, i.e. it says "your direct debit of £20 has been paid out of your account", but it doesn't tell you the company's name, whereas Lloyds etc will tell you it's for British Gas, for example. 
If you can pay in £800 per month and have at least two Direct Debits, you can add Blue Rewards and earn a £3 monthly reward.