Banking Without Borders

In this episode, we dig into a strange thirty days at Revolut: a flagship airport lounge announced for Copenhagen while WeWork access quietly shrank and Perplexity Pro was swapped for a cheaper, ad-supported ChatGPT — no email, no announcement. We think these changes are all connected, and one number in Revolut's accounts explains the lot.Revolut's Copenhagen lounge: what's actually been announced, who runs it, and the big unanswered question — who gets inThe WeWork cut: cities lost (including the whole of Paris), and why the network shrank instead of the price risingPerplexity Pro out, ChatGPT Go in — why it feels more like a trial than a perk, and the auto-renewal catch to watch forThe number behind it all: subscriptions grew 67% — faster than any other line Revolut hasThe $115bn valuation, the IPO, and the reported founder package that triggers at $500bnOur honest take: not "Revolut is getting worse" — Revolut is becoming something else. We'll let you decide if that's better.Today's video sponsor is us! Please check out https://depositscout.com if you'd like to support the channel – thank you. Join the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discordSubscribe on YouTubehttps://link.technicallymoney.com/oy8eCheck out our website DepositScout.com for the latest savings rates. Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]

In this episode we rank the four worst bank accounts in the UK — accounts marketed at people who think a high street bank won't take them, then quietly charged for almost everything. We break down CardOneMoney, Monese, Pockit and Suits Me, from £1.49 just to receive your wages to a £5 fee that only fires when your account is empty. Then we get to the part almost nobody knows: everything these accounts charge for, you're legally entitled to for free.Why "no monthly fee" is doing a lot of heavy lifting — and which accounts cost more the less money you haveThe £5 penalty for a bounced direct debit, the 4% foreign spending fee, and the £1-a-month charge for doing nothingWho these accounts are really aimed at, and why the fee structure targets people at their most desperateThe fee-free basic bank account nine major UK banks must offer you by law — even with bad credit or no proof of addressHow to open one (and what to do if you've already been refused)Join the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discordSubscribe on YouTubehttps://link.technicallymoney.com/oy8eCheck out our website DepositScout.com for the latest savings rates. Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]

In this episode we pull apart five cards advertising up to 10% cashback — Krak, Nexo, Wirex, Plutus and Bybit — to see what those headline rates actually cost you. We're not recommending any of them; this is a discussion of where the numbers fall apart once you read the tiers.Krak (Kraken) — up to 2%: the only card here with real EMI protection, but 2% needs £50k parked on the platform. The one that's arguably "boring but legitimate."Nexo — up to 2%: spend against your crypto without selling it. Clever idea, but the top rate is paid in NEXO and UK users earn nothing.Wirex — up to 8%: three plans, nine tiers, and a 7.5-million-token lockup for the headline rate. Paid in WXT.Plutus — up to 9%: perks that refund your subscriptions, buried under a level system you'd "need to be a mathematician" to follow — and ~£4,000 of PLU to unlock the top rate.Bybit — up to 10%: requires up to $500m of trading volume in 30 days… for a reward capped at 600 USDT. The biggest number pays the least.The real lesson: every big rate hides one of three catches — pay a subscription, buy their coin, or park a fortune with them. And no card here is FSCS-protected.Join the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discordSubscribe on YouTubehttps://link.technicallymoney.com/oy8eCheck out our website DepositScout.com for the latest savings rates. Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]

In this episode, Jonny and Jan run through the best UK savings rates for August 2026 — where to actually put your money now the Bank of England has held the base rate at 3.75%. From 8% regular savers to 5% fixed bonds and a market-leading cash ISA, we cut past the headline rates to the catches that decide what you really earn.What we cover:Switch offers worth up to £600 — and which are genuinely easy to qualify forEasy-access accounts topping 5% — and why a 4.55% account can quietly beat themFixed rate bonds up to 5% — and whether locking in actually makes sense right nowCash ISAs — including eToro at 4.87%, why it's not a normal savings account, and the best fixed ISAsNotice accounts — and why they barely make sense this monthRegular savers at 8% — plus the £675 "top" account that isn't what it looks likeEvery account we mention is on DepositScout.com — filter by type, compare rates properly, run the savings and tax calculators, and check the rate history graphs before you open anything.eToro's 4.87% Cash ISA (Market Leading)OakNorth's Fixed BondsTembo's Home SaverRates were correct at the time of recording and can change at any time. This is general information, not financial advice — always do your own research. Some links in the show notes are affiliate links, and we may earn a small commission at no extra cost to you.Join the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discordSubscribe on YouTubehttps://link.technicallymoney.com/oy8eCheck out our website DepositScout.com for the latest savings rates. Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]

IHG has brought out its first UK cards in three years — two Revolut debit cards dangling instant hotel status, boosted points and a 30,000-point welcome bonus. Jonny and Jan run the real maths on the free Essential and the £18-a-month Elite to work out whether £216 a year is a genuine bargain or a shiny trap.Essential (free) vs Elite (£18/month, £216/year) — status, welcome bonuses and metal cards comparedWhat an IHG One Rewards point is really worth, and why everyday spend earns just 0.2–0.6%Where the value actually hides: hotel spend, the welcome bonus and the £35k "full house"The catches — no Section 75, a Revolut account you can't avoid, and sneaky exit feesHow it stacks up against Hilton, Marriott and Currensea, plus the cheaper Platinum shortcutWho these cards genuinely suit — and who's walking into a trapJoin the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discordSubscribe on YouTubehttps://link.technicallymoney.com/oy8eCheck out our website DepositScout.com for the latest savings rates. Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]

In this episode, we compare four stocks and shares ISA providers — XTB, Trading 212, IG and eToro — and work out which ones actually deserve your money.What we cover:DIY, managed and advised — and why the fees only make sense inside their categoryWhat you can actually invest in at each provider, and why eToro is the weakest despite being the nicest app to useFX fees, interest on idle cash, and fractional sharesThe cash ISA cut from £20,000 to £12,000, and the money market route people are talking aboutWhy we'd both pick XTB — and when Trading 212 is the better callSt James's Place, Hargreaves Lansdown, and what you're really paying more forSign-up for XTB: https://link.bankingwithoutborders.co.uk/i53xvcSign-up for Trading212: https://link.bankingwithoutborders.co.uk/kf1n2yJoin the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discordSubscribe on YouTubehttps://link.technicallymoney.com/oy8eCheck out our website DepositScout.com for the latest savings rates. Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]

Revolut's new light-up Dogecoin card promises "no exchange fees" — so we put £25 through it and tracked every penny. What we found was a £16.16 Amazon purchase actually cost £18.05, and a tax headache behind every tap. In this episode:What the Doge card actually isThe  test: buying DOGE, spending it at Amazon, and where £2.54 went in 35 minutesThe hidden markup: how a "fee-free" card carried a ~2.9% round-trip spreadThe tax trap: why every tap is a potential taxFollow the money: interchange, dormant crypto balances, and why this card makes perfect sense for RevolutSerious bank or meme machine? A glowing Shiba Inu, just months after the UK banking licenceWho actually buys this — and our verdictsNothing in this episode is financial or tax advice. If you're considering spending crypto, speak to a professional about the capital gains implications.Watch the blowtorch unboxing: https://youtube.com/shorts/mh916J-LnJQJoin the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discordSubscribe on YouTubehttps://link.technicallymoney.com/oy8eCheck out our website DepositScout.com for the latest savings rates. Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]

Summer 2026 is officially here, and so are the hidden fees waiting to ambush your holiday budget! In this episode of Banking Without Borders, we pull back the curtain on international spending to ensure your next vacation is as fee-free as possible. We break down the exact anatomy of a perfect travel card, expose the legacy banks secretly draining your wallet, and dive into why the most popular fintech giants might not actually be your best option abroad.What We Cover:The 4-Point Travel Card Checklist: The essential features your card needs before you board a flight.Legacy Banks vs. Challenger Banks: Why traditional accounts from Barclays, Lloyds, NatWest, and HSBC are costing you—and the free alternatives we highly recommend.The Wise & Revolut Debate: A transparent look at weekend markups, variable fees, and why they might not be the ultimate answer to international spending.Predatory ATMs & The DCC Trap: How to outsmart Dynamic Currency Conversion and avoid paying double fees at the terminal.Revolut vs WISE: Who Has The Best Travel Card? https://www.buzzsprout.com/2458086/episodes/19324904Trading 212 👉 https://link.bankingwithoutborders.co.uk/naSsGet £25 using the link above or PROMO CODE "BWB". Sponsored content. Terms apply. Card distributed by T212, issued and provided by Paynetics (UK). Available with an Invest account. Other fees may apply.Join the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discordSubscribe on YouTubehttps://link.technicallymoney.com/oy8eCheck out our website DepositScout.com for the latest savings rates. Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]

In this episode we cover the best UK savings rates for July 2026 — including a new headline regular saver rate from Santander, fixed bonds pushing to 4.90%, and the latest switch bonuses with some deadlines coming up fast. We also cover the Halifax rebrand to Lloyds and what it means for existing customers.In this episode:Switch offers up to £600, including HSBC standard at £220 — best accessible bonus this monthEasy access accounts up to 5.00%, including Revolut, Tembo and a notable rate increase from CahootCash ISAs — easy access up to 4.62% with Plum, fixed up to 4.60% with Tembo and Oak NorthFixed rate bonds up to 4.90% with Marcus and Afin BankNotice accounts — honest take on whether they're worth it right nowRegular savers — why 8% isn't as simple as it sounds, and the accounts actually worth openingHalifax is being rebranded to Lloyds — what changes and what doesn'tAll accounts are listed and updated daily at DepositScout.com. Affiliate links for selected accounts are in the show notes.Join the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discordSubscribe on YouTubehttps://link.technicallymoney.com/oy8eCheck out our website DepositScout.com for the latest savings rates. Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]

In this episode of Banking Without Borders, Jonny and Jan go head-to-head on two of the most talked-about premium cards in the UK — Amex Platinum and Revolut Ultra. One's a credit card, the other's a debit subscription, and yet they keep ending up in the same conversation.So we're doing the thing everyone actually wants. Not "it depends" — but if you had to pick one and walk away with it, which is it?We cover:Overseas spending and FX feesLounges, hotels and car hireTravel insurance — including the catches in both policiesCredits, subscriptions and how to actually break even on the feePoints and welcome bonusesJoin the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discordSubscribe on YouTubehttps://link.technicallymoney.com/oy8eCheck out our website DepositScout.com for the latest savings rates. Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]

We pit the four biggest UK digital banks head-to-head to crown a winner. Spoiler alert: there's no single answer—it depends what matters to you.From cashback and travel rewards to customer service and credit cards, we break down exactly what each bank gets right and where they fall short. Plus, which one has the worst app but the best banking fundamentals, and why Revolut's new banking license doesn't save its standard account.What we cover:Cashback rates: Chase UK offers 2% on groceries, fuel, transport & diningTravel support: Which bank wins for international spendingCredit cards & personal loans: Only Monzo offers bothCash deposits: Starling vs Monzo's £1 fee (and the hidden limit)Customer service tiers: Why Chase & Starling stand outThe verdict: Best overall, best for travel, best for cashback—and the bank we'd skip entirelyJoin the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discordSubscribe on YouTubehttps://link.technicallymoney.com/oy8eCheck out our website DepositScout.com for the latest savings rates. Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]

In this episode, we make the case for Trade Republic being the best bank account in Europe — then try our hardest to poke holes in it.What we cover:Why it's not Revolut or Wise — and why we keep recommending Trade Republic insteadThe full ECB deposit rate passed straight to you (recently bumped to 2.25%)The 3% promotional rate for new customers — and who's locked out of itHow "Saveback" actually works, and the savings-plan catch attached to itFee-free spending and ATM withdrawals worldwide (plus the one €100 gotcha)How it stacks up against Revolut and Trading 212 on fees, limits and supportThe customer service meltdown they fixed with 1,000+ agents and a 24/7 phone lineThe reliability wobbles during volatile markets — and who they actually matter forThe big question: can a fee structure this generous really last?Using Trade Republic? Tell us what you actually think. Join our new Discord to chat directly with Jan and Jonny — link below. Join the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discordSubscribe on YouTubehttps://link.technicallymoney.com/oy8eCheck out our website DepositScout.com for the latest savings rates. Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]

In this episode, Jonny and Jan put Revolut and Wise head-to-head to settle which is actually the better card for spending abroad this summer — then ask the bigger question: are either of them the best option out there? Using live data pulled from both providers on 9 June, they break down the real cost of spending £2,000 across six countries, the ATM fee traps nobody mentions, and the cheaper alternatives most travellers overlook.The two completely different ways Wise and Revolut charge you — and why one is far less transparent than the otherReal fees for spending £2,000 abroad in the USA, Spain, Thailand, Morocco, Indonesia and AustraliaThe £1,000 monthly threshold that quietly makes Revolut Standard more expensiveATM withdrawal fees compared, and why even Revolut Ultra (£55/month) still won't give you unlimited free cashWise's Smart Conversion vs Revolut's "all-or-nothing" rule — and the decline trap that can leave you stuck at checkoutWhy holding 40+ currencies matters for freelancers and digital nomadsThe cheaper alternatives: First Direct, Chase, Monzo, Trade Republic and Trading 212The honest debate: if you only travel once a year, is switching even worth it?Data spreadsheet linked here. Rates were accurate at the time of recording and may have changed.Join the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discordSubscribe on YouTubehttps://link.technicallymoney.com/oy8eCheck out our website DepositScout.com for the latest savings rates. Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]

In this episode, Jonny and Jan go through every Revolut plan — Standard, Plus, Premium, Metal, and Ultra — breaking down what you actually get, what each one costs, and the catches Revolut doesn't shout about. Whether you're brand new to Revolut or wondering whether to upgrade, this episode will tell you exactly which plan makes sense for your lifestyle.What we cover:The Standard account — decent app, underwhelming product, and how it compares to free alternatives like MonzoWhy the Plus plan is mostly a pricing decoy — and who it's genuinely useful forPremium's subscription arbitrage trick: how one included app can make the whole plan freeMetal's insurance value for skiers, car renters, and daily FT readersUltra — worth £660 a year? The honest answerRevolut's cancellation policy and the costly trap hiding in the small printJoin the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discordSubscribe on YouTubehttps://link.technicallymoney.com/oy8eCheck out our website DepositScout.com for the latest savings rates. Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]

In this episode we cover the best UK savings rates for June 2026 — every major category, the accounts worth your attention, and a few that look better than they really are.We also break down two key dates for savers this month: the CPI inflation release on the 17th of June and the Bank of England base rate decision on the 18th, and what both could mean for rates in the second half of the year.In this episode:Easy access accounts topping 4.5%, including Tembo, Chase, and Hanley Economic BSCash ISAs up to 4.76% — flexible and non-flexible options coveredFixed rate bonds up to 4.85%, including a time-limited cashback offer from Raisin (ends 8 June)Notice accounts — and an honest take on whether they're worth itRegular savers — why the 7.1% headline rate isn't what it seems, and the three accounts actually worth openingCurrent account switch offers worth up to £200All accounts are listed and updated daily at DepositScout.com. Affiliate links for selected accounts are in the show notes.Join the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discordSubscribe on YouTubehttps://link.technicallymoney.com/oy8eCheck out our website DepositScout.com for the latest savings rates. Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]

Monzo just launched in Europe, and the way they've done it is smarter than most people have noticed. One Irish banking licence. All 27 EU member states. Spain next. This is a bigger deal than it looks.In this episode:Monzo just launched in Europe — and their Irish banking licence quietly unlocks all 27 EU member statesSpain is next, and it's no coincidence — 1 in 3 new bank accounts opened there in the last 3 years were with RevolutWe compare what you actually get as a European customer with each account right nowThe legal quirk in Monzo's Spain launch that could have serious implicationsWhy Monzo customers hold more than twice as much money per head as Revolut customers — despite lower savings ratesBoth annual reports dissected: £4.5bn vs £1.7bn in revenue, and the numbers that actually matterCan Monzo — late to the party and lighter on features — genuinely compete with Revolut's 68 million European customers?Join the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discordSubscribe on YouTubehttps://link.technicallymoney.com/oy8eCheck out our website DepositScout.com for the latest savings rates. Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]

In this episode of Banking Without Borders, Jonny and Jan break down HSBC Premier — the free bank account that requires £100,000 to get through the door. We cover the strict eligibility criteria, an honest audit of the bundled Aviva travel insurance and Square Health perks, how the credit card mileage engines work, and why this account is simultaneously the most impressive banking infrastructure in the UK and one of the worst places to park your savings.If you hold HSBC Premier — or you're thinking about opening one — this is everything the marketing won't tell you.In this episode:The three ways to qualify in 2026 — and the £500 switch bonus on the table right nowWhat the £1,600 healthcare bundle actually covers (and where the shared allowances catch people out)The free credit card vs the £290 World Elite — which mileage engine is worth itThe Global Money Account, Nova Credit, and why expats have almost no reason to bank anywhere elseWhy leaving your cash in the default savings account costs the average Premier customer nearly £3,000 a yearJoin the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discordSubscribe on YouTubehttps://link.technicallymoney.com/oy8eCheck out our website DepositScout.com for the latest savings rates. Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]

Revolut has increased subscription prices across several European markets — including Germany, France and the Netherlands — while adding a wave of new perks to Premium, Metal and Ultra.But are these benefits actually useful… or are they just designed to justify higher monthly fees?In this episode, Jonny and Jan break down: The exact Revolut price increases across Europe  Whether Metal and Ultra still offer good value  New perks like Super Duolingo, eSIM data, airport fast track and AI website builder Lovable  Why some of these “benefits” may really be funnels to spend more money  Huge differences between countries and subscription value  Why the UK could be next for price hikes  Whether Revolut is becoming too complicated for its own good They also discuss subscription fatigue, hidden value most users never activate, and whether Revolut’s strategy is becoming more about recurring revenue than genuinely improving the product.If you use Revolut Premium, Metal or Ultra — or you’re considering upgrading — this episode will help you decide whether the new pricing actually makes sense.Join the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discordSubscribe on YouTubehttps://link.technicallymoney.com/oy8eCheck out our website DepositScout.com for the latest savings rates. Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]

In this episode of Banking Without Borders, Jan breaks down how to actually fly business class without spending business class money.  Why flexibility is the single biggest lever you have — and what that really means beyond just changing your travel dayHow airlines price seats based on local purchasing power, and how to use that to your advantageWhy booking business class directly is often the wrong move — and what to do insteadThe upgrade bidding strategy, and why you should never bid the minimumHow to build Avios points without changing your spending habitsWhy you should pick your airline before your credit card, not the other way aroundThe one tool Jan actually trusts for finding cheap flights (and why he thinks AI tools are useless for this)Join the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discordSubscribe on YouTubehttps://link.technicallymoney.com/oy8eCheck out our website DepositScout.com for the latest savings rates. Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]

In this episode of Banking Without Borders, we cover the May 2026 savings rate update — breaking down where UK savers can earn the highest interest right now, what the Bank of England's latest decision means for rates, and which accounts look better than they actually are.Bank of England holds base rate at 3.75% — eight to one vote, with one member pushing for a hike to 4%Why the Middle East conflict has changed the rate outlook for 2026 and what that means for saversCurrent account switch bonuses worth up to £500 from HSBC, First Direct, Barclays and Santander — with deadlines coming up fastEasy access savings topping 5% from LemFi — including a walkthrough of the account opening process, the ClearBank FSCS nuance, and the six-month rate cliffBest easy access rates from Tembo, Chase, Cynergy Bank, Hanley Economic BS and Charter Savings BankCash ISAs — flexible vs non-flexible explained, bonus cliff warnings on Trading 212, Plum and Tembo, and why the £20k allowance matters more than ever before it drops in 2027Fixed rate bonds from Chetwood Bank, Kent Reliance and GB Bank — and why the tiny gap between one-year and five-year rates tells you something important about market expectationsNotice accounts — when they make sense and when easy access is simply betterRegular savers — why 7.1% headline rates are more misleading than they look, and the actual best picks from First Direct, Club Lloyds and Monmouthshire BSAll accounts mentioned are available to compare at DepositScout.comJoin the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discordSubscribe on YouTubehttps://link.technicallymoney.com/oy8eCheck out our website DepositScout.com for the latest savings rates. Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]

In this episode of Banking Without Borders, we ask whether the Amex Platinum is still worth £650 a year — and we've read the small print so you don't have to.The welcome bonus: 75,000–90,000 points, but Amex appears to be A/B testing the offerThe £400 dining credit has six ways to accidentally lose it — including one Jan experienced personallyWhy Amex Platinum is a terrible card to actually use abroadThe insurance is the most underrated benefit — but there are catches most people don't know aboutIs enshittification real? Harvey Nichols gone, Centurion guest cuts, Lufthansa lounges ending in OctoberHSBC and Barclaycard offer similar perks at half the price — so why does Platinum still win?Our verdict: it's not a travel card, not a subscription bundle — it's a lifestyle accessory that only works if you work for itJoin the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discordSubscribe on YouTubehttps://link.technicallymoney.com/oy8eCheck out our website DepositScout.com for the latest savings rates. Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]

In this episode of Banking Without Borders, we sit down with Tim Chong, co-founder and CEO of Yonder. In this episode:Yonder Premium vs Revolut Metal — Tim makes the case for why they're not actually competing for the same thingWhy most Yonder customers also use Revolut — and why Tim thinks that's fineThe partner network explained — how brands get selected, why over half approach Yonder inbound, and the Netflix analogy Tim uses to describe curation at scaleThe fair usage policy — and whether it creates a frustrating experience for members who can't find anything to redeemIs Revolut a threat? Tim responds to the prospect of a Revolut credit card launching in the UKThe debt trap question — is Yonder glamorising credit to a generation already under financial pressure?Netherlands expansion and what comes next for Yonder in the UK and EuropeJoin the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discordSubscribe on YouTubehttps://link.technicallymoney.com/oy8eCheck out our website DepositScout.com for the latest savings rates. Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]

In this episode, we put Monzo Max and Revolut Metal head to head to help you figure out which one — if either — is actually worth paying for every month.The travel insurance small print that could leave you entirely uninsured on holiday — and which account has a hidden 75% payment rule most people don't know aboutHow the phone insurance, RAC breakdown cover, rewards programmes and subscription bundles actually compare when you read the policy documentsThe FX fees, savings rates, ATM limits and money transfer costs that matter for everyday bankingWhich account wins for families, frequent travellers, and people who just want simplicityOur honest personal verdict on whether a premium bank account is worth it at all — or whether the free tier does the job just as wellJoin the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discordSubscribe on YouTubehttps://link.technicallymoney.com/oy8eCheck out our website DepositScout.com for the latest savings rates. Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]

It's a new financial year, which means a fresh £20,000 ISA allowance — and a market that looks more competitive than ever. But several of the headline rates are not quite what they seem.In this episode:• Why eToro's 4.78% works differently to a standard Cash ISA• What XTB's 6% actually means over 12 months• The bonus rate traps — and which accounts drop by up to 2% after year one• Flexible vs non-flexible ISAs explained clearly• How ISA transfers work — and the one mistake that kills your tax-free wrapperRates sourced from DepositScout.com — check the link for the latest figures before you act.Join the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discordSubscribe on YouTubehttps://link.technicallymoney.com/oy8eCheck out our website DepositScout.com for the latest savings rates. Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]

In this episode of Banking Without Borders, we rank the four biggest names in UK private banking — Lloyds, HSBC Global Private Banking, Coutts, and Barclays — and ask whether the exclusivity actually holds up.We cover what private banking really costs to access, what you get for your money, and where the gap between the prestige and the reality is uncomfortably wide. Spoiler: the savings rates are embarrassing.We cover:What separates private banking from premier banking — and why it mattersLloyds as the most accessible entry point, and whether that's a good thingHSBC Global Private Banking's multi-currency edge and travel card suiteWhy Coutts is still the most prestigious name in the room, despite disappointing cash ratesBarclays Private Bank's £3m entry bar and its investment banking accessThe savings rates across all four — and why they're not the pointWhich banks we left off the list and whyThe three-question checklist for working out if you actually need a private bankWho private banking is genuinely built for — and who should stay well clearIf you've ever been curious about what sits above premier banking, or whether the mystique of Coutts and HSBC Privé is justified, this episode breaks it down properly.Join the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discordSubscribe on YouTubehttps://link.technicallymoney.com/oy8eCheck out our website DepositScout.com for the latest savings rates. Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]

In this episode of Banking Without Borders, we run through the best UK savings accounts for April 2026.Cash ISAs are the main focus this month, with the tax-year deadline creating a lot of competition across the market. We talk through the top rates, why some ISA deals are more straightforward than others, and where bonus-led offers can get a bit confusing.We also cover: the best Cash ISA rates right now  regular savers paying up to 7.5%  fixed-rate savings accounts  easy-access accounts worth watching  why some headline rates need a closer look We also mention some of the tools on DepositScout, including filters, email alerts, and rate graphs that let you track how specific products have changed over time. Join the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discordSubscribe on YouTubehttps://link.technicallymoney.com/oy8eCheck out our website DepositScout.com for the latest savings rates. Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]

This week on Banking Without Borders, Jan and Jonny are asking when bank cards stopped being financial tools and started becoming status symbols. From metal cards and paid-for “premium” designs to the new Revolut Audi F1 card, this episode looks at why banks and fintechs are increasingly selling image, identity, and exclusivity — not just useful features.Why are people paying for debit cards that offer no meaningful financial benefit?When did banking become part utility, part luxury branding exercise?Are premium cards actually worth it, or are they just clever status products?And what does this say about the direction fintech is heading in?A fun one, but also a genuinely interesting conversation about branding, consumer psychology, and the strange ways money and status now overlap.Join the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discordSubscribe on YouTubehttps://link.technicallymoney.com/oy8eCheck out our website DepositScout.com for the latest savings rates. Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]

In this episode of Banking Without Borders, we ask the big question now that Revolut is a proper UK bank: should it be your main bank account?We break down what actually matters in a main bank account, from trust and FSCS protection to support, savings, rewards, travel spending and everyday usability. We also look at where Revolut genuinely stands out, where it falls short, and whether the app-first experience is enough to replace Barclays, HSBC, Monzo, Lloyds, Starling, Nationwide, Chase or Zopa. We cover: What Revolut’s UK banking status changes  Whether FSCS protection makes Revolut more trustworthy  The strengths and weaknesses of Revolut support  Everyday banking features like pockets, salary sorting and virtual cards  Whether Revolut is still a top choice for travel spending  Why its savings rates may disappoint  Whether RevPoints are worth anything on the free plan  Who Revolut works best for, and who should probably stick with a different bank If you’ve been wondering whether Revolut is finally ready to be your salary account, this episode is for you.Join the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discordSubscribe on YouTubehttps://link.technicallymoney.com/oy8eCheck out our website DepositScout.com for the latest savings rates. Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]

In this episode of Banking Without Borders we compare Trading 212 and Revolut through the lens of card spending, rewards and travel.What may surprise a lot of people is that Trading 212, still best known as an investing platform, has quietly built a card that in some ways is simpler, more rewarding and potentially better for spending abroad than Revolut’s free plan.In this episode we cover:• Trading 212 vs Revolut for card spending • ATM withdrawal limits and fees • Foreign currency fees and exchange rates • Trading 212 cashback vs Revolut RevPoints • Why redeeming RevPoints is more complicated than cashback • Which free account looks stronger overallGet £25 when you sign up for Trading212 and make 3 transactions of £5 or more. Promo code BWBhttps://www.trading212.com/join/BWB Sponsored content. Terms apply. Card distributed by T212, issued and provided by Paynetics. Available with an Invest account. Get up to £15 cashback every month. Other fees may apply.Join the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discordSubscribe on YouTubehttps://link.technicallymoney.com/oy8eCheck out our website DepositScout.com for the latest savings rates. Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]

In this episode of Banking Without Borders we break down Revolut finally securing its full UK banking licence after a process that began back in 2021.This is a major milestone for Revolut in the UK, because it means the company can now operate as a fully licensed bank rather than relying primarily on its e-money permissions for most customers.But what actually changes?We explain why the process took so long, what the mobilisation phase meant in practice, and what this now means for customers in terms of protection, deposits and Revolut’s long-term position in UK banking.In this episode we cover:• Revolut’s UK banking licence timeline • Why approval took so long • What the mobilisation phase actually was • What changes now for UK customers • FSCS protection and deposits • Why this matters for Revolut’s future in the UKWe explain what this licence really means, what it does not mean, and why this is one of the most important moments yet in Revolut’s UK story.Join the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discordSubscribe on YouTubehttps://link.technicallymoney.com/oy8eCheck out our website DepositScout.com for the latest savings rates. Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]

In this episode of Banking Without Borders we compare the UK’s major Premier or “status” bank accounts from the big four high street banks: NatWest, HSBC, Barclays and Lloyds.These accounts typically require £75k–£100k income or £100k+ in savings or investments, and are marketed toward high earners and high-net-worth customers.But are they actually worth it?We break down what each account really offers — including travel insurance, concierge services, cashback, lounge access, airline rewards and international banking features — and rank them from weakest to strongest.Some accounts rely on paid add-ons, others bundle benefits into the base account, and one stands out for offering global banking infrastructure and meaningful perks without a monthly fee.In this episode we cover:• Lloyds Premier • Barclays Premier • NatWest Premier • HSBC PremierWe explain the true cost, real benefits and who each account is actually for, so you can decide whether these “status accounts” are genuinely valuable — or mostly marketing.Join the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discordSubscribe on YouTubehttps://link.technicallymoney.com/oy8eCheck out our website DepositScout.com for the latest savings rates. Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]

In this episode of Banking Without Borders, we break down the best savings accounts in the UK right now and where savers can earn the highest interest.• Best Cash ISAs right now including Trading 212, Moneybox and Tembo • Easy access savings from providers like Chase UK, Chip and Cahoot • Notice accounts from OakNorth and Raisin marketplace banks • Fixed rate bonds from providers like Chatwood Bank • Regular saver accounts paying up to 7%+ from First Direct, Lloyds and Principality • The upcoming ISA deadline and why rates are becoming more competitive • How potential Bank of England rate cuts could impact savings later in 2026We also explain how to think about flexibility vs certainty when choosing between easy access, notice accounts and fixed-rate savings. Join the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discordSubscribe on YouTubehttps://link.technicallymoney.com/oy8eCheck out our website DepositScout.com for the latest savings rates. Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]

In this episode of Banking Without Borders, I break down the UK’s most popular premium packaged bank accounts and ask one simple question: which ones are actually worth paying for in 2026?I compare travel insurance, breakdown cover, and mobile or gadget insurance across leading accounts from Nationwide, Virgin Money, Santander, Monzo, Revolut, Lloyds Bank, The Co-operative Bank, and Chase UK — focusing on the fine print most people never read.In this episode, we cover:Which premium bank accounts offer the strongest travel and medical insuranceHow breakdown cover really differs between providers (home start, national recovery, Europe)Where mobile vs full gadget insurance makes a real difference for familiesWhich accounts are best for over-70s, tech-heavy households, or frequent travellersWhich premium account offers the best overall valueAnd which one takes home the wooden spoon for weakest insurance coverIf you’re paying a monthly fee for your bank account — or considering switching — this episode will help you avoid expensive mistakes and choose the right account for how you actually live and travel.Join the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discordSubscribe on YouTubehttps://link.technicallymoney.com/oy8eCheck out our website DepositScout.com for the latest savings rates. Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]

Revolut Ultra (£660/year) and Klarna Max (£540/year) both promise lounge access, travel insurance, points, subscriptions and “thousands” in annual value.But when you actually look under the hood, they’re very different products.In this episode of Banking Without Borders, we compare:Rewards: RevPoints vs Klarna’s cashback-to-Avios system (and why the maths matters)FX & international spending: Visa rates vs Revolut’s marginLounge access: 1,800 lounges vs DragonPass — and no free guestsTravel insurance: the 72-hour booking rule, cancellation cover, and medical limitsCar hire excess: £10,000 vs £2,000 (and the exotic vehicle exclusions)Subscriptions: Financial Times, The Times, ClassPass, WeWork, Audiobooks, ASMALLWORLD and moreWho each plan actually suitsWe also discuss whether Klarna Max feels like a finished product yet — and whether it could eventually become a full UK current account.If you’re thinking about paying £500+ a year for a fintech membership, this episode will help you decide whether either of these plans genuinely justifies the price.Join the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discordSubscribe on YouTubehttps://link.technicallymoney.com/oy8eCheck out our website DepositScout.com for the latest savings rates. Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]

In this episode of Banking Without Borders, we build the ultimate UK credit card ladder — starting with credit builder cards for beginners and working all the way up to premium lifestyle cards like Amex Platinum and even invite-only cards like Centurion.We explain:• Why timing matters when applying • How to move from tier 1 to tier 5 • The difference between cashback and airline miles • When annual fees actually make sense • Why most people use Avios cards wrong • The biggest credit card mistakes in the UKFrom starter cards like the Barclaycard Forward and Capital One Classic, to cashback options like the Lloyds Bank World Elite, travel cards from NatWest, airline ecosystems with British Airways and Virgin Atlantic, and lifestyle cards from American Express — we break down who each tier is actually for.This isn’t about flexing status. It’s about using credit strategically.If you want to build credit, maximise rewards, and avoid expensive mistakes, this episode is your roadmap.Join the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discordSubscribe on YouTubehttps://link.technicallymoney.com/oy8eCheck out our website DepositScout.com for the latest savings rates. Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]

In this episode of Banking Without Borders, we break down the Trading 212 card and discuss its benefits and why it is such a great rewards card. We cover:What the Trading 212 card actually is (and what it isn’t)How FX spending works, including when fees do and don’t applyATM withdrawal limits and where the caps kick inHow cashback works in practice, including caps and auto-investingThe maths behind the headline cashback ratesWhy rewards are being reinvested rather than paid out as cashWho this card is really for — and who it isn’tIf you’re using the Trading 212 card, considering it, or comparing it to other cashback and travel cards, this episode will help you understand the trade-offs behind the design and whether it fits how you actually spend and invest.Get £25 when you sign-up for Trading 212 and make 3 transactions over £5Code: BWBAffiliate link: https://www.trading212.com/join/BWB Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/ Jonny: http://www.linkedin.com/in/jonny-peaseJoin the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discordSubscribe on YouTubehttps://link.technicallymoney.com/oy8eCheck out our website DepositScout.com for the latest savings rates. Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]

In this episode of Banking Without Borders, we break down Revolut RevPoints and whether they’re worth caring about in 2026.We cover:How RevPoints are earned across Standard, Premium, Metal & UltraReal-world earning examples (including Revolut Shops multipliers)What RevPoints are actually worth when redeemingWhy spare change and challenges can be misleadingWhether paying for Ultra or Metal makes sense just for pointsBetter cashback and rewards alternatives in the UK & EUIf you’re earning, hoarding, or considering paying for RevPoints, this episode will help you decide if they’re genuinely valuable, or mostly marketing.Join the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discordSubscribe on YouTubehttps://link.technicallymoney.com/oy8eCheck out our website DepositScout.com for the latest savings rates. Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]

In this episode, we put Nationwide Building Society head-to-head with Chase UK to see which one really makes sense in 2026.We cover:Why Nationwide was missing from our last “best bank” episodeCashback, savings rates & switch incentivesApp experience vs branch accessJoint accounts, overdrafts & everyday banking featuresTravel fees, FX rates & overseas spendingEthical banking & where your money actually sitsCustomer support: phone vs in-app response timesWhy the “best” bank depends on how you use itAs always, this isn’t a one-size-fits-all answer — it’s about choosing the right tools for your situation.Join the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discordSubscribe on YouTubehttps://link.technicallymoney.com/oy8eCheck out our website DepositScout.com for the latest savings rates. Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]

If you’re travelling abroad in 2026, using the wrong card could quietly cost you hundreds in hidden FX fees.In this episode of Banking Without Borders, Jonny and Jan break down what actually makes a good travel card — and why some of the most talked-about options don’t make the cut anymore.We compare real exchange rates, withdrawal limits, and fees across the UK’s best debit and credit cards, using live rate calculators and real-world spending examples.What we cover:The four non-negotiables of a great travel cardWhy many UK debit cards still charge 3% abroadMastercard vs Visa vs “own” exchange ratesThe best UK debit cards for fee-free travel spendingWhen travel credit cards make more sense than debit cardsHow dynamic currency conversion quietly rips people offWhy Revolut and Wise aren’t the cheapest options anymore (based on the numbers)This episode is for anyone travelling, living abroad, or just tired of paying unnecessary fees every time they leave the UK.Join the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discordSubscribe on YouTubehttps://link.technicallymoney.com/oy8eCheck out our website DepositScout.com for the latest savings rates. Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]

In this episode, we shortlist the best current accounts in the UK and explain how we’d choose if we were switching banks heading into 2026. We look at six popular accounts, compare real-world features, and rank them across key use cases — without relying on marketing claims.We cover:What actually makes a great everyday bank accountWhich accounts offer the best cashback (and where the caps catch you out)The best banking app experience right nowWhen a paid account does (and doesn’t) make senseThe strongest travel debit card for spending and ATM withdrawals abroadSwitching bonuses, savings add-ons, and hidden limitations to watch forIf you’re considering changing your main bank account — or just want to know which UK banks are genuinely competitive right now — this episode will help you narrow it down.Join the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discordSubscribe on YouTubehttps://link.technicallymoney.com/oy8eCheck out our website DepositScout.com for the latest savings rates. Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]

Is the HSBC Expat account the ultimate financial command center for global citizens, or just an overpriced status symbol?In this episode of Banking Without Borders, we tear down the velvet rope surrounding HSBC’s offshore offering based in Jersey. With a steep entry requirement of £75,000 in savings or a £120,000 salary, this account promises a "global hub" for your finances—but does the reality match the price tag?We investigate the hidden exchange rate margins that could be eating into your wealth, the "old school" phone-based application process, and why the deposit protection scheme in Jersey might leave you more exposed than you think. Plus, we discuss the one massive perk—international mortgages—that might actually make it all worthwhile.In this episode, we cover:The £75k Barrier: Breaking down the strict eligibility criteria and the £50/month penalty fee.Jersey vs. UK: Why your deposit insurance drops significantly by banking offshore.The FX Reality: How HSBC’s exchange rates stack up against Wise and Revolut (spoiler: it’s not the mid-market rate).The "Golden" Perk: How this account unlocks UK mortgages for non-residents.The Verdict: Why this isn't for digital nomads, and exactly who should actually sign up.Join the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discordSubscribe on YouTubehttps://link.technicallymoney.com/oy8eCheck out our website DepositScout.com for the latest savings rates. Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]

In this episode, we dig into Revolut Premium - what you really get for £80 a year, who it makes sense for, and where the value genuinely comes from. We break down the banking perks, partner subscriptions, insurance fine print, and that harsh cancellation policy so you know exactly what you’re signing up for.Show Notes:Core banking perks (FX, ATM limits, savings rates)Partner subscriptions: what’s actually valuableEveryday protection insurance explainedThe confusing exclusions & limitationsThe cancellation rules nobody talks aboutHow Premium compares to free alternatives in the UK & EUWho Revolut Premium really makes sense forJoin the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discordSubscribe on YouTubehttps://link.technicallymoney.com/oy8eCheck out our website DepositScout.com for the latest savings rates. Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]

In this episode, Jonny breaks down the Autumn Budget 2025 and what it really means for everyday savers – beyond the headlines about £30bn in extra taxes.We cover:The cut to the Cash ISA allowance from £20,000 to £12,000 for under-65s from April 2027Why over-65s keep the full £20,000 Cash ISA limit – and what that means for everyone elseThe 2% rise in savings income tax and how frozen tax bands will drag more people out of the Personal Savings AllowanceThe Stocks & Shares ISA “cheat code” idea (and why HMRC may eventually shut it down)Other key Budget changes: EV per-mile charging, mansion tax, pension salary sacrifice cap, National Living Wage rise and the two-child cap being scrappedIf you’re trying to protect your interest from the tax grab – especially as a basic, higher or additional-rate taxpayer – this is a quick, no-nonsense recap to help you understand your options.Mentioned in this episode:Check the latest Cash ISA rates and savings deals at https://depositscout.comNothing in this episode is financial advice. Always do your own research or speak to a regulated adviser before making decisions about your money.Join the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discordSubscribe on YouTubehttps://link.technicallymoney.com/oy8eCheck out our website DepositScout.com for the latest savings rates. Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]

In this episode we look at PayPal’s new UK debit card and the PayPal+ rewards scheme. The headline numbers sound great — 1% back, tier boosts, and retailer offers up to 20% — but the rules are messy. We explain how the points really work, where the rewards drop off, and whether any of the tiers are actually worth chasing. Plus, the travel perks are surprisingly strong.What we cover:How PayPal+ points work vs real cashbackOnline vs offline spend differencesWhy PayPal balance mattersGold/Black tiers and realistic earning potentialRetailer boosts and subscription perksTravel benefits (FX fees, Mastercard rate, ATMs)Whether the card is worth using at allJoin the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discordSubscribe on YouTubehttps://link.technicallymoney.com/oy8eCheck out our website DepositScout.com for the latest savings rates. Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]

In this BWB episode, we make the case that every transaction should pay you back, then run through the best free UK cashback options and a simple stack you can actually use day-to-day. We hit rates, caps, categories, FX gotchas, and when “free” isn’t really free.We coverTrading 212: 1.5% with Cashback Investing (cap £15/mo)Chase UK: 1% on groceries & everyday transport (incl. public EV charging)Zopa: 2% on direct debits (cap £30/yr)Lloyds Ultra: 1% in year one, then 0.25% + 0% FXAmex Cashback Everyday: intro bonus, then 0.5–1% (not for foreign spend)Join the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discordSubscribe on YouTubehttps://link.technicallymoney.com/oy8eCheck out our website DepositScout.com for the latest savings rates. Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]

If you’re starting from zero, or finally taking freelancing seriously, this episode gives you a field-tested roadmap from Jan a 7-figure freelancer. We cover how to choose (and tighten) your offer, find your first clients without Upwork, write outreach that gets replies, price with confidence, and avoid the early mistakes that kill momentum. Think “learn by earning,” not endless planning.You’ll learnWhy motion beats branding: pick one skill, sell it, learn by earning. How to find clients now: phone/local outreach, networking events, and volume.Portfolio over platforms (and why to avoid race-to-the-bottom marketplaces).Confidence tactics for introverts (prep, scripts, and repetition). Admin that saves you later: contracts, invoices, bookkeeping basics. Show NotesClient-finding resources:Business directories (e.g., Yellow Pages), LinkedIn Sales Navigator (build targeted lists), local networking events (Meetup).Outbound play:Call local businesses; point out a specific problem (e.g., Google Business Profile), offer a quick win; expect rejection and keep volume high.Portfolio > platforms:Lead with proof of work; consider using platforms only to spot leads, then pitch directly.Admin checklist:Use written contracts, numbered invoices, track income/expenses; set good habits early.Starter bank ideas mentioned:UK: Monzo, Starling; EU/Global: Revolut Pro (for invoicing/tools). Evaluate per country.Connect:Jan invites listeners to DM on LinkedIn for quick help (link in show notes).Join the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discordSubscribe on YouTubehttps://link.technicallymoney.com/oy8eCheck out our website DepositScout.com for the latest savings rates. Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]

Not all multi-currency accounts deliver on their promise of borderless banking. Jonny and Jan dig into what these accounts really do, and which ones are genuinely worth using in 2025.They unpack the pros, cons, and hidden catches of Wise, Revolut, Trading 212, Bunq, HSBC Global Money, and NatWest, exploring who each account suits, what makes Wise the current gold standard, and when a simple travel card might actually be the smarter move.What to expectWhy most people don’t need to pre-convert currenciesThe truth behind “mid-market” and “weekend markup” feesWhich accounts actually pay interest on foreign cashHow to choose between Wise, Revolut, and Trading 212Join the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discordSubscribe on YouTubehttps://link.technicallymoney.com/oy8eCheck out our website DepositScout.com for the latest savings rates. Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]

Revolut Metal promises premium banking for about £15 a month - with travel insurance, trading perks and a stainless-steel card to prove it.But how much of that value actually comes from banking… and how much from a pile of third-party subscriptions you might never use?In this episode of Banking Without Borders, Jonny and Jan break down everything inside Revolut Metal:What you really get for your money - from ATM limits to RevPointsThe fine print on its insurance and cancellation rulesWhich perks actually save you money (and which are just noise)By the end, you’ll know whether Revolut Metal is a smart financial upgrade - or just another subscription trap.Revolut Metal cancellation policies 👉 https://www.revolut.com/legal/paid-plans/Join the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discordSubscribe on YouTubehttps://link.technicallymoney.com/oy8eCheck out our website DepositScout.com for the latest savings rates. Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]

Revolut is betting big on AI agents to handle customer service, sales, and even fraud cases, but are people really ready to trust a chatbot with their money?Meanwhile, Curve’s £120m sale to Lloyds has turned into a messy showdown with investors threatening legal action, and Starling’s big rebrand has left customers and critics asking whether it’s bold… or a flop?In this September recap, Jonny and Jan dive into:Revolut’s new AI division and what it means for bankingKlarna’s IPO and the rise of the “Klarnauts”Curve’s shareholder drama and why Lloyds might back awayStarling’s rebrand: aubergine cards, “electric teal” and allThe latest UK & EU savings rate changes👉 If you enjoy these roundups, please follow Banking Without Borders, and leave us a rating to support the show.Join the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discordSubscribe on YouTubehttps://link.technicallymoney.com/oy8eCheck out our website DepositScout.com for the latest savings rates. Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]

In this episode, Jonny and Jan cut through the noise around budgeting. Forget complicated spreadsheets or patronising advice about skipping coffee, we share our own stories, the practical frameworks we use day-to-day, and the simple mindset shifts that make budgeting feel like freedom, not punishment.You’ll learn:Why living below your means is the foundation of financial freedom.Where most people overspend (and what to cut first).The exact steps to set saving goals and automate them.Watch-outs like lifestyle inflation, “subscription creep,” and cutting the wrong things.How to budget with purpose so you can start investing and building real wealth.Whether you’re just starting out, running your own business, or trying to get control of your finances, this episode will give you the tools to budget smarter, without feeling miserable.Join the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discordSubscribe on YouTubehttps://link.technicallymoney.com/oy8eCheck out our website DepositScout.com for the latest savings rates. Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]