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  • FIRST POST
    • AlanB1976
    • By AlanB1976 14th Apr 18, 1:03 PM
    • 9Posts
    • 0Thanks
    AlanB1976
    Casual spending bank account
    • #1
    • 14th Apr 18, 1:03 PM
    Casual spending bank account 14th Apr 18 at 1:03 PM
    Hi all

    Can any of you recommend a bank account that may be best for casual spending (no mortgage payments, household debits, salary payments, etc.)?
    I find my main bank account gets flooded with all these small contactless payments and ebay/amazon type little purchases. This makes it a pain when I want to analyse my main account. What I would like to do is set up another account that I basically use as my "cash". I will just pay in what I usually spend in a month on contactless, etc. and use that. That way my main account stays relatively simple and also reduces that which can be taken from me should my card get lost/stolen as there won't be any credit/overdraft.
    So, the question is, are there any accounts that give rewards or make that type of thing more simple? I know I could just open any debit account anywhere but I don't mind where this is and if I can benefit from it, great.

    Thanks
    Alan
Page 1
    • MDMD
    • By MDMD 14th Apr 18, 1:22 PM
    • 282 Posts
    • 141 Thanks
    MDMD
    • #2
    • 14th Apr 18, 1:22 PM
    • #2
    • 14th Apr 18, 1:22 PM
    TSB classic plus gives interest and cashback of up to 5 per month until December. I use mine for those small spends.

    https://www.tsb.co.uk/current-accounts/classic-plus-account/
    • 18cc
    • By 18cc 14th Apr 18, 1:26 PM
    • 385 Posts
    • 232 Thanks
    18cc
    • #3
    • 14th Apr 18, 1:26 PM
    • #3
    • 14th Apr 18, 1:26 PM
    If you have/use a smartphone then can't recommend Starling Bank highly enough...
    • AlanB1976
    • By AlanB1976 15th Apr 18, 7:40 AM
    • 9 Posts
    • 0 Thanks
    AlanB1976
    • #4
    • 15th Apr 18, 7:40 AM
    • #4
    • 15th Apr 18, 7:40 AM
    Thanks for the replies.
    I've got a joint account with my wife with TSB already. Shouldn't be any issues me opening a personal account as well.
    I wish I could use a smartphone. I've rooted my phone so android pay won't work due to security risk. Ironically, I rooted so I could add additional security.
    • Nebulous2
    • By Nebulous2 15th Apr 18, 9:37 AM
    • 1,825 Posts
    • 1,102 Thanks
    Nebulous2
    • #5
    • 15th Apr 18, 9:37 AM
    • #5
    • 15th Apr 18, 9:37 AM
    I very rarely have casual spends. I also have a few accounts. My Tesco account gives interest on up to 3000. I keep an extra 50 in there and use it for the odd coffee and cookie.
    • datlex
    • By datlex 15th Apr 18, 10:17 AM
    • 1,598 Posts
    • 1,486 Thanks
    datlex
    • #6
    • 15th Apr 18, 10:17 AM
    • #6
    • 15th Apr 18, 10:17 AM
    OP Coop do cashback https://www.co-operativebank.co.uk/currentaccounts/currentaccount (expand the everyday rewards section) You have to pay in 800 a month. So you may have to pay the difference between your monthly spends and the 800 each month to meet the cashback criteria.

    Also there is Barclays: https://www.barclays.co.uk/current-accounts/blue-rewards/
    • AlanB1976
    • By AlanB1976 15th Apr 18, 11:41 AM
    • 9 Posts
    • 0 Thanks
    AlanB1976
    • #7
    • 15th Apr 18, 11:41 AM
    • #7
    • 15th Apr 18, 11:41 AM
    I wouldn't have close to that. Probably a couple hundred.
    • AlanB1976
    • By AlanB1976 15th Apr 18, 11:42 AM
    • 9 Posts
    • 0 Thanks
    AlanB1976
    • #8
    • 15th Apr 18, 11:42 AM
    • #8
    • 15th Apr 18, 11:42 AM
    Thanks for the suggestions
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