I think it’s interesting to keep the subsidiaries separate. Can always be combined from the results.
I suggest it would be best for everyone to decide themselves what they consider their main account. Everyone will have their own ideas on most important factor/s.
I think this is going to be the best action. That list (of things to consider) was taken from last year’s post, with the added “and/or” on the last point.
Wages + pension, both paid into Starling sole account.
Personal spending - all from Chase account, topped up via Starling.
All household expenses, direct debits, food, utilities, mortgage etc - Nationwide Joint account. Me and 'er indoors funnel a set amount each into it. We’re both paid monthly, so easy to budget.
I have a FD current account, but it’s completely pointless, opened solely for the free £150 and not used.
How many people do their spending from a current account at all? I can’t remember the last time I used a debit card. Particularly now we have open banking payments.
I do - I only really use credit cards for over £100 or where I don’t trust the online payment platform not to preauthorise without giving me the goods/service
I use credit card for day to day but only because of meaningful spending rewards. If credit cards didn’t have spending rewards (or if I considered them negligible) I’d use a debit card for all spending where s75 wasn’t a benefit.