Joint account recommendations

CaveDweller2024

Evening, I'm looking for any recommendations, please, for UK banks that offer a joint account which tick the following boxes of at all possible. 

(1) Ideally can have multiple pots - so a direct debit and bills pot, and then a spending pot with card access (for example Chase allow multiple current accounts for this type of thing, but unfortunately no joint account)
(2) Savings that are reasonably competitive. We have a fair amount of savings so every point of a percent counts.

I've been looking round and can't find much really so hoping some of you guys might have some recommendations.

Thanks v much

Rob5342

Monzo and Starling have the best apps by far and allow direct debits from pots/spaces. Starling allow debit card transactions from Space with a virtual card than you can add to Google wallet and Apple pay.

For savings just look on Be Clever With Your Cash etc to find the best rate, there isn't really any advtantage in having them at the same bank.

CaveDweller2024

Rob5342 said:

Monzo and Starling have the best apps by far and allow direct debits from pots/spaces. Starling allow debit card transactions from Space with a virtual card than you can add to Google wallet and Apple pay.

For savings just look on Be Clever With Your Cash etc to find the best rate, there isn't really any advtantage in having them at the same bank.

Thanks Rob.

I think the main thing for me would be the multiple pots that are "directdebit-able" I'll check Starling out.

Regards to savings it was a nice to have as much missus can be a bit funny (unnecessarily) about having loads of different accounts (I think it confuses her).

For me, Chase ticks a lot of the boxes but they don't unfortunately have Joint accounts (I've never really understood why joint accounts aren't just standard)

mlz1413

I had a joint account with my partner at Lloyds but had savings accounts with Zopa.  We did this because we just wanted one account that the bills came out of that was funded jointly.   Then had separate accounts for our wages and savings as we wished.

I think it would be hard to get one bank that did the best of everything. 

I would add that Zopa have started a current account with a really good monthly interest rate.  But I didn't look at the joint account aspect