My joint account with my partner is with a local building society, but branches are shutting left and right in the UK…

Yep. Monzo implemented an emergency-use website about 5 years ago, Revolut shortly after (and I think they have a desktop app now). I’m with neither (though I can SEE my accounts online, I cannot DO anything with them).

Nope, it is FCA/Prudential registered bank. These fintech solutions are very common in the UK.

I’ve discovered I can access my account online, but cannot send money from there (Zopa).

Monzo and Revolut now have some barebones web implimentation (over a decade after launched).

Atom has no web access at all.

Chase UK doesn’t have web access as far as I can tell.

All of the above are registered banks.

It’s literally ONLY got an app. No web, no branches. They’ve become quite common and popular in the UK (like Revolut).

So true. I’m loathed to lose the interest rate, but needs must when the devil drives, and boy is he driving right now.

This is what I’m struggling with. I use an app-only challenger bank, so I feel a bit stuck unless I change everything…

I like to get some scratchies every now and then - it’s one of the major funding sources for museums and sports in the UK, so I see it as a little donation with a dopamine hit rather than an attempt at winning big!