Banking Without Borders

Technically Money
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Banking Without Borders is a podcast about modern money — from digital banks and cashback cards to savings, credit cards, FX, global accounts, and the financial products reshaping how people manage money in the UK and beyond. We focus less on hype and more on what actually matters: who a product is for, how it makes money, where the trade-offs are, and whether it’s genuinely worth using. If you want clear thinking, real-world context, and fewer buzzwords and less BS when it comes to banking, cards, and personal finance, this is the podcast.

  1. 7H AGO

    Can Monzo Compete With Revolut In Europe?

    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?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-pease Got a question or topic you want us to cover? Drop us a message at jonny@technicallymoney.com

    26 min

  2. MAY 20

    Is HSBC Premier the Best Bank Account in the UK?

    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 yearCheck 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-pease Got a question or topic you want us to cover? Drop us a message at jonny@technicallymoney.com

    18 min

  3. MAY 13

    Revolut Just Raised Prices Across Europe — Is It Still Worth Paying For?

    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-pease Got a question or topic you want us to cover? Drop us a message at jonny@technicallymoney.com

    22 min

  4. MAY 6

    How to Fly Business Class Without Paying Business Class Prices

    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-pease Got a question or topic you want us to cover? Drop us a message at jonny@technicallymoney.com

    28 min

  5. MAY 5

    5% Easy-Access Is Back! UK Savings Rates Update - May 2026

    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.com 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-pease Got a question or topic you want us to cover? Drop us a message at jonny@technicallymoney.com

    14 min

  6. APR 29

    Is AMEX Platinum Really Worth £650?

    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-pease Got a question or topic you want us to cover? Drop us a message at jonny@technicallymoney.com

    23 min

  7. APR 22

    Can the Yonder Card Replace Revolut? We Asked the CEO!

    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-pease Got a question or topic you want us to cover? Drop us a message at jonny@technicallymoney.com

    32 min

  8. APR 15

    Monzo Max vs Revolut Metal: Which Premium Bank Account Is Right For You?

    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-pease Got a question or topic you want us to cover? Drop us a message at jonny@technicallymoney.com

    22 min
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About

Banking Without Borders is a podcast about modern money — from digital banks and cashback cards to savings, credit cards, FX, global accounts, and the financial products reshaping how people manage money in the UK and beyond. We focus less on hype and more on what actually matters: who a product is for, how it makes money, where the trade-offs are, and whether it’s genuinely worth using. If you want clear thinking, real-world context, and fewer buzzwords and less BS when it comes to banking, cards, and personal finance, this is the podcast.

Information

  • Creator
    Technically Money
  • Years Active
    2025 - 2026
  • Episodes
    58
  • Rating
    Clean
  • Copyright
    © 2026 Banking Without Borders
  • Show Website
    Banking Without Borders

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