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Bank account with 'Decline' feature like Tesco Bank?

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Sadly my Tesco Bank Account is closing at the end of next month and I will miss the feature where, before I went shopping, I could transfer £50 (or some other amount that I didn't want to spend above) and go to the shops without the risk of me forgetting how much I have in my shopping trolly and going over my 'limit'.  If I'd gone to a few shops and my next shop was going to take me over the balance in my account, the transaction would be declined (as it should be) rather than me going into unarranged overdraft.
Does anyone else belong to a bank that has the same feature please?  I will miss it!
DEBT FREE BY 60
Starting Debt 21st August 2019 = £11,024
Debt at May 2022 = £5268
Debt Free Challenge - To be debt free by August 2024
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Comments

  • pokora
    pokora Posts: 190 Forumite
    Fifth Anniversary 100 Posts Name Dropper
    Monzo allow you to separate your money in pots.
  • Marchitiello
    Marchitiello Posts: 1,304 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper
    edited 29 October 2021 at 11:06AM
    I am pretty sure that most new bank accounts, where credit is not automatically given (e.g. Starling, Monzo, Chase and I am sure others), will only let you spend out of your balance.
  • Daliah
    Daliah Posts: 3,792 Forumite
    1,000 Posts First Anniversary Photogenic Name Dropper
    Tesco Clubcard Pay+ should fit your bill perfectly, along with any current account you like.

    Have you considered switching your Tesco current account to benefit from one of the switching offers?
  • socks_uk
    socks_uk Posts: 2,813 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Thanks for the replies.  I do have a small chunk of savings in Monzo but never thought of using a 'pot' for shopping.  I don't like the idea of taking a bank card out of the house that could be lost or stolen where others have access to my little bit of savings but I do have accounts with Nationwide so I could have a shuffle of what I use each account for.
    The main thing I want to be able to do is not spend more than I know I can afford.  Thank you!
    DEBT FREE BY 60
    Starting Debt 21st August 2019 = £11,024
    Debt at May 2022 = £5268
    Debt Free Challenge - To be debt free by August 2024
  • socks_uk
    socks_uk Posts: 2,813 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Daliah said:
    Tesco Clubcard Pay+ should fit your bill perfectly, along with any current account you like.

    Have you considered switching your Tesco current account to benefit from one of the switching offers?
    Thanks for the reply Daliah but as far as I know the Tesco Clubcard Pay+ there is a monthly fee.  I have about £150 a month for groceries, petrol and 'fun' so didn't think it would be worth the monthly fee as I don't spend much in Tesco.  Have I read it wrong?
    DEBT FREE BY 60
    Starting Debt 21st August 2019 = £11,024
    Debt at May 2022 = £5268
    Debt Free Challenge - To be debt free by August 2024
  • cx6
    cx6 Posts: 1,176 Forumite
    1,000 Posts Name Dropper
    Transfer the spending money to Starling. Make sure the 'overdraft' slider is set to zero. Now you can only spend on your Starling debit card the amount in the account.
  • socks_uk said:
    Daliah said:
    Tesco Clubcard Pay+ should fit your bill perfectly, along with any current account you like.

    Have you considered switching your Tesco current account to benefit from one of the switching offers?
    Thanks for the reply Daliah but as far as I know the Tesco Clubcard Pay+ there is a monthly fee.  I have about £150 a month for groceries, petrol and 'fun' so didn't think it would be worth the monthly fee as I don't spend much in Tesco.  Have I read it wrong?
    Yes - it's free of charge unless you are shopping the Tesco Ireland (i.e. in Euro)
  • Daliah
    Daliah Posts: 3,792 Forumite
    1,000 Posts First Anniversary Photogenic Name Dropper
    socks_uk said:
    Daliah said:
    Tesco Clubcard Pay+ should fit your bill perfectly, along with any current account you like.

    Have you considered switching your Tesco current account to benefit from one of the switching offers?
    Thanks for the reply Daliah but as far as I know the Tesco Clubcard Pay+ there is a monthly fee.  I have about £150 a month for groceries, petrol and 'fun' so didn't think it would be worth the monthly fee as I don't spend much in Tesco.  Have I read it wrong?
    It would be news to me if there was a fee for the Clubcard Pay+ card. Where about did you get that information from? 

    It would also be news to me if you only got points on that card when shopping in Tesco.
  • Daliah
    Daliah Posts: 3,792 Forumite
    1,000 Posts First Anniversary Photogenic Name Dropper
    cx6 said:
    Transfer the spending money to Starling. Make sure the 'overdraft' slider is set to zero. Now you can only spend on your Starling debit card the amount in the account.
    Whilst I love my Starling for its Euro facilities, I wouldn't use it for shopping in the UK as long as I get cashback or points for shopping with other debit cards such as Chase or Tesco Clubcard Pay+. We're on MSE, after all  :)
  • socks_uk
    socks_uk Posts: 2,813 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Daliah said:
    socks_uk said:
    Daliah said:
    Tesco Clubcard Pay+ should fit your bill perfectly, along with any current account you like.

    Have you considered switching your Tesco current account to benefit from one of the switching offers?
    Thanks for the reply Daliah but as far as I know the Tesco Clubcard Pay+ there is a monthly fee.  I have about £150 a month for groceries, petrol and 'fun' so didn't think it would be worth the monthly fee as I don't spend much in Tesco.  Have I read it wrong?
    It would be news to me if there was a fee for the Clubcard Pay+ card. Where about did you get that information from? 


    OK...  Am I confusing Clubcard Plus with Clubcard Pay+ ?

    I will have to look into Pay+
    DEBT FREE BY 60
    Starting Debt 21st August 2019 = £11,024
    Debt at May 2022 = £5268
    Debt Free Challenge - To be debt free by August 2024
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