UK Banks: HSBC, Lloyds, Starling, Monzo, etc.

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Don’t need them. Halifax has online banking in a browser. When they merged with Lloyd’s, they moved systems so I’m assuming it’s the same for Lloyd’s.

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Far too slow moving money between accounts while standing at checkout with a queue of people waiting behind you.

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You go shopping without money in your account?

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Not uncommon to have multiple cards.

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