Banking Without Borders

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.Check 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)Check 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.comCheck 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 itCheck 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 EuropeCheck 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 wellCheck 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.Check 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.Check 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. Check 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.Check 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.Check 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.Check 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.Check 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.Check 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. Check 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.Check 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.Check 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.Check 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-peaseCheck 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.Check 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.Check 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.Check 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.Check 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.Check 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 forCheck 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.Check 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 allCheck 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)Check 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).Check 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 212Check 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/Check 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.Check 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.Check 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 is one of the boldest products we’ve seen in banking: £45/€50 a month for lounge access, travel insurance, boosted savings, and 16 subscriptions Revolut claims are worth over £4,000 a year.In this Banking Without Borders episode, Jonny and Jan break down:The core financial features (ATM limits, FX, savings, RevPoints)The subscription bundle and where most of the value liesOur own testing of perks like eSIMs and loungesThe cancellation pitfalls you need to watch forHow Ultra compares (and where cracks show vs Amex Platinum)Stick around to the end for our verdicts, and who Revolut Ultra really makes sense for. Check 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 just hit a $75B valuation via a secondary share sale, more than some UK high-street banks and even Nubank (despite Nubank’s larger revenue and users).In this Banking Without Borders episode, Jonny and Jan break down:What the secondary sale really signals (and why headlines matter)Revolut’s numbers: revenue, profit, users, deposits, and marginsThe super-app moat (wealth, business banking, subscriptions) vs. copycatsBull vs Bear cases: regulation, US expansion, rate cycles, fees, customer trustLessons from Amazon/Tesla … and cautionary tales like WeWorkIPO timing, venue (London vs NASDAQ), and how we’d approach the stock at listingStick around to the end for our verdicts: Jan's cautious take vs. Jonny’s bullish case.Check 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 some of the biggest fintech stories of August 2025:PayPal’s $10 billion chaos — how a broken fraud system nearly caused mass unauthorized withdrawals, and why German banks had to step in.N26 leadership shake-up — founders pushed aside as regulators and investors demand stability.Starling acquires Ember — what this means for business banking and Making Tax Digital in the UK.UK bank branch closures — one in three branches gone in just five years, replaced by “banking hubs.”Revolut’s bold move into Africa — starting with Morocco, but can they actually get licensed?Plus: the latest UK interest rate changes and savings accounts to watch.Join Jonny and Jan as they unpack the news, share insights, and debate what these moves mean for the future of banking and fintech.Check 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 dive into one of the strangest fintech stories of the year: Lloyds Bank is reportedly in talks to buy Curve, but why would the UK’s biggest high street bank want a struggling wallet app? We break down what’s really going on, from Apple Pay’s NFC lock-in to Lloyds’ wider payments strategy.We also cover:Monzo’s return to the top spot in the CMA banking satisfaction surveyMonzo’s plans to launch mobile services and chase “super app” statusBunq setting sights on the US marketRevolut becoming the biggest bank in Lithuania by assetsJoin us as we unpack what these moves mean for banking, fintech, and your money.Check 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]

Getting started with investing can feel intimidating, but the truth is, it’s never been easier, and you don’t need to be a financial expert to grow your money. In this episode, we break down the essentials of investing for beginners:What the stock market actually is (and why it matters)The main products you’ll come across, stocks, ETFs, index funds, bonds, and moreThe best apps and platforms for getting startedSimple strategies like dollar-cost averaging and dividend investingCommon mistakes to avoid as a beginnerBy the end, you’ll have a clear roadmap to start investing with confidence.Check 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]

July was not a good month for the UK’s fintech scene. Revolut is still stuck waiting for its full banking licence, Wise is officially moving to New York, and Starling looks like it might follow. Meanwhile, Klarna is expanding, Chase is moving into Europe, and Monzo just got hit with a £21 million fine.Is this just a series of bad headlines, or are we watching the start of a fintech exodus?In this month’s recap, we break down everything that happened, explore what’s driving this shift away from the UK, and explain why it matters.Check 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]

Thinking of getting into investing, or switching trading platforms in 2025? In this episode, Jonny and Jan break down some of the most popular brokers, Revolut, Trading 212, Trade Republic, and Interactive Brokers, and share what it’s really like to use them day-to-day.Jonny reveals the huge mistake he made starting out (and how it’s now cost him thousands), and together they discuss fees, ease of use, tax benefits like ISAs, and which platforms are worth avoiding completely. Whether you're a complete beginner or already dabbling in stocks and ETFs, this episode is packed with first-hand insight and practical takeaways.Check 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]

Still using Wise when you travel? You might be losing money. In this episode, we break down why both WISE and Revolut might not be the best option in 2025, and what you should be using instead.We share our top debit and credit card picks for international travel, reveal hidden fees most people overlook (like dynamic currency conversion and ATM charges), and offer simple tips to help you keep more money in your pocket while abroad.Cards mentioned: Starling, Chase, Trading 212, Monzo, Barclaycard Rewards, Halifax Clarity, Yonder, Currensea.Plus: a clever hack to withdraw cash abroad without using an ATM.Check 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]

Thinking about borrowing money through Revolut? In this episode, we unpack everything you need to know about Revolut Personal Loans, from eligibility to interest rates, approval times, and what really sets these loans apart.We cover: Where Revolut loans are currently available How they work, and who they’re best suited for Key watchouts before you apply Where Revolut might launch loans nextWhether you're a Revolut user or just curious about fintech lending, this episode will help you understand if these loans are right for you—and what to consider before hitting apply.Got questions? Send us a message, we're happy to help.Check 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]

Welcome to the June recap of Banking Without Borders! This month, we break down Starling Bank’s new “Spending Intelligence” chatbot, is it really intelligent, or just marketing spin? We also cover Starling’s US ambitions and why a credit card might be essential for their success.Then we look at Chase UK’s dark mode drama, a hilarious new “biscuit bank” offering cashback on your bills, and Klarna’s moves into banking, are they copying Revolut?Finally, we wrap up with the latest UK & EU savings rates, including our Rate of the Month: Plum’s 4.95% Cash ISA. We cover easy-access, notice, and fixed-term accounts so you know where to stash your savings for the best returns, plus, we discuss how the ECB’s recent rate cut is impacting EU savers.Check 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]

Are Revolut’s credit cards worth it? In this episode, we dive into:Where Revolut credit cards are available right now (Ireland, Poland, Lithuania & Spain)How the benefits stack up, from RevPoints to cashbackThe 0% interest periods, installment options & what they really meanWhy the UK and other countries might see Revolut credit cards soonAre these cards actually good enough to switch, or should you look elsewhere?🔊 Listen on the go! Search Banking Without Borders on Spotify & Apple Podcasts ⭐ New episode every weekCheck 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]

Japan is one of the most romanticized countries on the internet — but is it really a good place to live and work as a digital nomad?In this episode, we talk to Jan, who recently spent time in Japan trying to make remote life work. From cash-only restaurants and endless bureaucracy to social disconnection and even chaotic cycling culture, we unpack the reality behind the viral videos.If you’ve ever dreamed of moving to Tokyo with your laptop, this episode is an eye-opener — and a must-listen for anyone considering Japan as a long-term base.Check 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 dive into one of the most ambitious and unique rewards credit cards in the UK — Yonder.It’s a bold start-up that’s doing things differently, with a unique rewards system, premium experiences, and no foreign transaction fees. But how does it stack up against legacy players like AMEX?Jonny put Yonder to the test over several weeks, digging into everything from point redemptions and travel perks, to the user experience, hidden limits, and real cashback value per point.We break down:Whether Yonder offers a better everyday experience than AMEXThe real-world value of Yonder points (with redemptionexamples)Why flight redemptions are surprisingly underwhelmingThe fair usage limits and where Yonder rewards are cappedWhether this is the card for point hackers or lifestyle spendersIf you’re into rewards, fintech, or just curious whether this card deserves a place in your wallet, this one’s for you.Check 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 month’s fintech recap, Jonny and Jan dive into Revolut’s bold new ATM launch, free withdrawals, on-the-spot signups, and dynamic FX rates that could finally kill off rip-off tourist machines. But while Revolut expands into phones, credit cards, and billion-euro investments, Starling Bank looks like it's stuck in neutral. With profits falling, customer growth slowing, and a focus shifting to its B2B engine, is this the beginning of the end for Starling’s consumer bank?Plus: • RevPoints come to Ireland’s Revolut credit cards • UK’s top savings accounts right now • Complaint rankings: who’s upsetting customers most? • And why Jan’s jealous of UK interest rates…Check 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]

Considering a Revolut upgrade? Or maybe you're wondering if Standard is even worth keeping? In this deep-dive episode, Jonny and Jan break down every Revolut plan — from Standard to Ultra — and share brutally honest insights based on real-world experience.We explore:What each plan really offers (and what’s missing)The surprising state of Jan's Metal cardHow to calculate if you're getting enough valueHidden downsides and fine print (like cancellation fees)Who each plan is actually for — and who should avoid themWhether you're a Revolut power user or just Revolut-curious, this episode will help you avoid the hype and make an informed decision.Check 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 month’s recap, Jonny and Jan dive deep into Revolut’s 2024 annual report, from $1 billion in profit to 14.5 million new customers and a staggering £1 trillion in transaction volume. Is this the beginning of the end for traditional banks like Barclays? We break it all down and share our thoughts on Revolut’s next moves, including their rumoured credit card and expansion plans.We also end the episode with the best savings rates in the UK right now. Recording date: 29/04/2025Check 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 replaced its cashback offering with RevPoints over a year ago, but is their loyalty scheme actually worth it?In this episode, Jonny and Jan break down exactly how RevPoints work in 2025:How to earn them (besides just spending)The best and worst ways to redeemWhether they’re good value compared to other cashback cards and credit cardsAnd why “spare change” might be the worst way to use them...We’ll also walk through real examples, break-even spend thresholds for each plan, and compare RevPoints to options like Amex, Santander Edge, Chase UK, and Trading 212.👉 If you're wondering whether to upgrade your Revolut plan, or ditch it altogether then this one’s for you.Check 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]