Direct Debit Help

Sammz

MarkyMarkD wrote: »

For people who have enough money sloshing around, it's not a problem.

But for anyone who's ever overdrawn on either account, it's costing unnecessary money. Having a single account will minimise the chance of either of them being overdrawn at any point in the month.

You say "it costs nothing" but you've incurred charges on your main account - which you might not have done, had you not had money sitting in your other account. Do you see what I mean?

I do have more than enough money nowadays but in the past that wasn't the case. I had one account and bills coming off at various points in the month. I'd be out in town, check my balance and not know if a certain bill had been taken off or not so I had no idea how much money I actually had. When I went to two accounts I had an account where all the money was mine and I didn't have to think about the other one. I have a free £100 overdraft that I don't need to use. This all started in the days before internet banking.