Banking Without Borders

Technically Money

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. 18 sa. önce

    Amex Platinum vs Revolut Ultra: If You Had To Pick One, Which Would You Choose?

    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/discord 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

    21 dk.

  2. 24 Haz

    Monzo vs Revolut vs Starling vs Chase UK – Which Digital Bank Wins?

    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/discord 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

    29 dk.

  3. 17 Haz

    Is This The Best FREE Bank Account in Europe? (3% Interest & 1% 'Cashback')

    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/discord 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

    15 dk.

  4. 10 Haz

    Revolut vs WISE: Who Has The Best Travel Card?

    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/discord 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

    20 dk.

  5. 3 Haz

    Every Revolut Plan Explained — What Nobody Tells You Before You Upgrade

    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/discord 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

    24 dk.

  6. 2 Haz

    Best UK Savings Rates — June 2026 | Easy Access, Cash ISAs, Fixed Bonds & More

    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/discord 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

    15 dk.

  7. 27 May

    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?Join the new Banking Without Borders Discord community  https://link.bankingwithoutborders.co.uk/discord 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 dk.

  8. 20 May

    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 yearJoin the new Banking Without Borders Discord community  https://link.bankingwithoutborders.co.uk/discord 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

    18 dk.
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Hakkında

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.

Bilgi

  • Yaratıcı
    Technically Money
  • Aktif Yıllar
    2025 - 2026
  • Bölümler
    64
  • Sınıflandırma
    Uygun
  • Telif Hakkı
    © 2026 Banking Without Borders
  • Şovun Web Sitesi
    Banking Without Borders

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