Banking account without debit card

vivki · 27 March at 10:57AM

Hi

To help (force!) Me to budget, I'm thinking about paying my salary into a bank account and using that account to just pay direct debits and standing orders. Then transferring a set amount weekly to a separate account which has a debit card attached, to use for day to day spending.

Does anyone know of a current account which has no debit card attached, or which has very basic functions for checking balances etc?

MyRealNameToo · 27 March at 11:02AM

In principle you could ask for one not to be sent or destroy the card on receipt. Most online applications are just going to generate one automatically because 99% or more of people want one so they dont bother asking.

la531983 · 27 March at 11:05AM

Revolut does not come with a debit card as standard, although I believe nothing stopping you adding to Apple or Google Pay. Of course you could just chop the card up on arrival if you open one elsewhere.

Rob5342 · 27 March at 11:29AM

Have you looked at Monzo or Starling? You can separate money into different pots/spaces and set direct debits to come out of those pots/spaces. I find it very useful for budgeting.

Chase is another option, I believe you can set up several accounts and only have your debit card attached to one.

If you want to remove the temptation of spending then I don't know of any banks that don't provide them as its a basic feature of current accounts. As suggested you could always destroy the card. Also with Monzo I think you have to pay if you want a replacement debit card within a certain period which might reduce the temptation to order one.