[maccard]

That's a very good point and one I hadn't considered. In this day and age in the UK I'd consider it irresponsible to only have one bank account. The TSB outage is a prime example of what can go wrong and leave you stuck. For me, I keep roughly a months worth of expenses in a high street bank with a card in the drawer, but touch wood I've never had to use it so I don't know how well it works. Before I used Starling (I actually don't use Monzo - but they're comparable for all intents and purposes) I had two bank accounts with different networks and did the same thing there, FWIW.