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brooke68

My husband and I have had a joint account for many years.
For personal reasons I would now prefer to have my salary paid into a separate account and to transfer my share of the bills into the joint account.
I’d like to be able to set up DDs for my personal expenses from my sole account. 

Can anyone advise and recommend suitable accounts? Would it make more sense to apply for an account with our existing bank?
Thank you

eskbanker

Seems unlikely that anyone can offer any meaningful advice without significantly more detail about your requirements and preferences, as any current account would fit what you've shared so far!  Your unspecified existing bank may be easiest but are you prioritising incentives, interest, apps, branches, customer service, etc, etc?

brooke68

Thank you, I haven’t set up a sole account in over 35 years, I was just wondering if there are any restrictions in the type of account that can be held in addition to an active joint account?

eskbanker

brooke68 said:

Thank you, I haven’t set up a sole account in over 35 years, I was just wondering if there are any restrictions in the type of account that can be held in addition to an active joint account?

No, in general there are no restrictions on how many current accounts people can have, and many posters on here have well into double figures, for a variety of reasons....

Keep_pedalling

brooke68 said:

Thank you, I haven’t set up a sole account in over 35 years, I was just wondering if there are any restrictions in the type of account that can be held in addition to an active joint account?

No restrictions at all.

400ixl

Always good to have accounts with more than one institution. Short of that hard to say what is best.

A bank like starling will allow you to create buckets for your outgoing personal expenses. For example create one that you fund for all of your DD's which you allocate to that bucket. Means you can then ring fence that money. It is also one of the top backs in the annual surveys for customer service.

Chase as an alternative do more on the incentives side.

Neither have branches though, but you can use the Post Office for some services.

Top for customer service on the traditional side is First Direct, they are part of HSBC so you can use their branches.

Bigwheels1111

As above First Direct are great.
Been with them over 25 years.
The best thing with them is if you have a problem one call generally sorts out your issue.
No going to a branch and signing in blood, 😜 or offering your first born.
Have I had issues with them yes, also with every other bank I hold accounts with.
It’s just FD solve the issue quickly and give compensation for my trouble.
You want DD or SO set up just call them and they set them up no problem.
One call sorts all.

Nasqueron

Setup an account with your existing bank, transfer it for a cash bonus when there is an offer, simple as that

Katiehound

^^^ That's exactly what I would suggest. Easiest is to set up a new bank account with your existing bank.
It's likely there will be some new switching deals coming along so you would be able to benefit from a switch bonus.

The other advice would then also be fulfilled- don't have all your eggs in one basket : from time to time there have been IT issues with different banks & some folk have been unable to access their funds.