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Bank joint accounts with savings pots

ZeroSum
Posts: 1,128 Forumite

As per title what are my options
Currently looking to move away from virgin as getting fed up with them blocking payments to external savings accounts in my own name
Monzo have pots but don't pay interest so no good (only allowed the 1 savings pot)
Chase / zopa don't do joint accounts
Tsb is a possibility as it allows 5 would prefer more, but rate is poor also.
Kroo have a good rate but can't see any mention of pots, similar with starling
Currently looking to move away from virgin as getting fed up with them blocking payments to external savings accounts in my own name
Monzo have pots but don't pay interest so no good (only allowed the 1 savings pot)
Chase / zopa don't do joint accounts
Tsb is a possibility as it allows 5 would prefer more, but rate is poor also.
Kroo have a good rate but can't see any mention of pots, similar with starling
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Comments
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Kroo have pots now but I didn't think they had joint accounts. Pot rate is same as CA rate.
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You're right, they currently don't offer joint.
That's another crossed off the list0 -
Starling joint account? Pots (i.e. Spaces) and 3.25% interest?0
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Is that a downside? Why would you have more than £5K in a current account anyway? Unless of course your monthly expenses exceed that…0
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Starling probably your best choice.0
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ZeroSum said:jadex said:Starling joint account? Pots (i.e. Spaces) and 3.25% interest?
Possibility, downside is it's capped at £5k
It means that you both have combined access to 3 lots of up to £5k and you can move money back and forth within one app.
Alternatively, you may think of rearranging your banking and split it over multiple personal and joint accounts: for instance you can have bills paid by direct debit directly from Chase savings accounts (4.1%) or from Kroo personal account (4.35%) or from joint Santander Edge (1% cashback).
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jadex said:ZeroSum said:jadex said:Starling joint account? Pots (i.e. Spaces) and 3.25% interest?
Possibility, downside is it's capped at £5k
It means that you both have combined access to 3 lots of up to £5k and you can move money back and forth within one app.
Alternatively, you may think of rearranging your banking and split it over multiple personal and joint accounts: for instance you can have bills paid by direct debit directly from Chase savings accounts (4.1%) or from Kroo personal account (4.35%) or from joint Santander Edge (1% cashback).0 -
35har1old said:jadex said:ZeroSum said:jadex said:Starling joint account? Pots (i.e. Spaces) and 3.25% interest?
Possibility, downside is it's capped at £5k
It means that you both have combined access to 3 lots of up to £5k and you can move money back and forth within one app.
Alternatively, you may think of rearranging your banking and split it over multiple personal and joint accounts: for instance you can have bills paid by direct debit directly from Chase savings accounts (4.1%) or from Kroo personal account (4.35%) or from joint Santander Edge (1% cashback).
They don't do joint accounts, which is what the OP is after
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35har1old said:jadex said:ZeroSum said:jadex said:Starling joint account? Pots (i.e. Spaces) and 3.25% interest?
Possibility, downside is it's capped at £5k
It means that you both have combined access to 3 lots of up to £5k and you can move money back and forth within one app.
Alternatively, you may think of rearranging your banking and split it over multiple personal and joint accounts: for instance you can have bills paid by direct debit directly from Chase savings accounts (4.1%) or from Kroo personal account (4.35%) or from joint Santander Edge (1% cashback).
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