Banking Without Borders
by Technically Money
Latest episode
Best UK Savings Rates — November 2026 | 5.4% Fixed & Savings Tax…
Best UK Savings Rates — November 2026 | 5.4% Fixed & Savings Tax…
About this podcast
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.
Episodes
The newest 20 of 85 episodes
- Best UK Savings Rates — November 2026 | 5.4% Fixed & Savings Tax Rise Update · 20 min · Season 1 Episode 85In this episode, we run through the best UK savings rates for November 2026. What we cover: • The Budget — tax on savings interest outside an ISA rises by four percentage points…
- Why We Think Personal Loans Are Predatory (And Better Ways to Borrow) · 31 min · Season 1 Episode 84In this episode, Jonny and Jan ask whether you should ever take out a personal loan. We checked 22 UK lenders and found advertised rates that only just over half of borrowers…
- The 10 Best Cashback Cards in the UK – Ranked by What They Actually Pay · 21 min · Season 1 Episode 83In this episode, we rank the ten best cashback cards in the UK, debit and credit, by what each one actually pays on £1,000 a month over two years, after fees. From Chase’s 2% and…
- Revolut Hiked Prices Again: Is It Time to Quit? · 17 min · Season 1 Episode 82In this episode, Jonny and Jan dig into Revolut’s latest price rise, the second in three years, and whether the new perks justify paying more. We break down what Premium, Metal…
- We Ranked the UK’s 10 Best PAID Bank Accounts · 26 min · Season 1 Episode 81In this episode, Jonny and Jan rank the ten best paid bank accounts in the UK by what a household actually gets back: cashback and insurance, minus the fee. The winner costs…
- Best UK Savings Rates — October 2026 | 5.35% Fixed & Starling 5% Easy-Access Warning · 20 min · Season 1 Episode 80In this episode, we run through the best UK savings rates for October 2026. What we cover: Why fixed rates have jumped — three Bank of England members want a hike, and banks have…
- Revolut Handed Customer Data to a Scammer. Here's What Happened · 24 min · Season 1 Episode 79Revolut has just had the worst month in its history: two customer data breaches, one of them a months-long con run from a hijacked Italian government email account, and a…
- Monzo Aura: The £15 Credit Card That Doesn't Add Up · 26 min · Season 1 Episode 78In this episode, Jan and Jonny put Monzo's new £15-a-month credit card, Aura, under the microscope — what you actually get for the fee, how much you'd need to spend or invest to…
- Can Revolut Actually Win In America? · 26 min · Season 1 Episode 77In this episode, Jan and Jonny dig into Revolut's conditional approval to build a bank in America — what it actually got, what's still outstanding, and whether the US is a…
- How Monzo Nearly Went Bust and Became Profitable · 28 min · Season 1 Episode 76In this episode, we tell the full story of Monzo's near-death experience — and the extraordinary turnaround that followed. In July 2020, Monzo's own accounts warned there was…
- Best UK Savings Rates — September 2026 | 5% Fixed & Premium Bonds' Rise · 16 min · Season 1 Episode 75In this episode, we run through the best UK savings rates for September 2026. What we cover: Premium Bonds' rise to 4.35% — why that's not an interest rate, and the only people…
- What's Gone Wrong at Starling Bank? · 28 min · Season 1 Episode 74In this episode, we look at why Starling Bank — which has one of the best free current accounts in Britain — is seeing its revenue fall while Monzo and Revolut race ahead. Why…
- Revolut Is Building Airport Lounges (While Quietly Cutting Perks ) · 31 min · Season 1 Episode 73In 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…
- £5 for Being Broke: The Bank Accounts Exploiting the Desperate · 26 min · Season 1 Episode 72In 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…
- Up to 10% Cashback – The Craziest Cards You've Never Heard Of · 33 min · Season 1 Episode 71In 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…
- Best UK Savings Rates — August 2026 | 8% Regular Savers, 5% Fixed & More · 14 min · Season 1 Episode 70In 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%…
- IHG's Revolut Card: Genuine Bargain or Shiny Trap? · 26 min · Season 1 Episode 69IHG 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…
- Stocks & Shares ISAs: XTB vs Trading 212 vs IG vs eToro · 11 min · Season 1 Episode 68In 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…
- Revolut's Dogecoin Card – The "No Fees" Card That Cost Us 12% · 18 min · Season 1 Episode 67Revolut'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…
- The Best & Worst Travel Cards For Summer 2026 · 22 min · Season 1 Episode 66Summer 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…
