Nothing fancy. I carry a burner phone which only my Wife has the number to. I recently had to swap out the SIM card as the former PAYG SIM had been compromised. She in turn has an unlisted number employer supplied work phone alongside her personal phone, so I can call that if I need to.
Believe it or not, I’m not at all paranoid, I’m just very careful. I make on average 3 or 4 personal calls a week on my own phone. I don’t need to make hundreds of calls every month or spend hours talking drivel to people I don’t like anyway
As for email, I use Proton mail and it’s pretty good at dealing with spam.
Some people get paid into one account with only one personal account set up as a payee. Anything else would be blocked by a card reader/biometrics to add additional security. I’ve heard of Nationwide or RBS customers doing this to limit damage to their salaried/savings linked account. Wise or barmy in your books?
Different people do different things. I have my work salary paid into one account and my pension paid into a completely different bank account to my salary. I do also of course have biometrics switched on for all of my accounts. My card controls are mostly locked down for the functions I have no daily use for.
My whole approach might seem totally over the top but it keeps me happy
I definitely don’t have all of my regular payees set up on each of my accounts for ease. I have the minimum of payee’s possible. If I pay someone as a one off payment, I delete them after the payment has gone through.
Most of my payee’s are direct debit anyway, usual stuff, utilities, council tax, mortgage etc.