Banking Without Borders

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.

Banking Without Borders is a education podcast hosted by Technically Money, with 72 episodes on record and a Required Pod Score of 80. PitchCentric scores this show on Booking Probability, Listen Score, and live audience signals refreshed every 24 hours.

Technically Money hosts Banking Without Borders, a education show with 72 episodes published.

Our AI reads these to draft pitches. Use them as grounding for a pitch that cites a real guest and a specific topic.

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  Episode #73

  Revolut Is Building Airport Lounges (While Quietly Cutting Perks )

  Aug 19, 202631 minS1

  In 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 swapped for a cheaper, ad-supported ChatGPT — no email, no announcement. We think these changes are all connected, and one number in Revolut's accounts explains the lot. Revolut's Copenhagen lounge: what's actually been announced, who runs it, and the big unanswered question — who gets in The WeWork cut: cities lost (including the whole of Paris), and why the network shrank instead of the price rising Perplexity Pro out, ChatGPT Go in — why it feels more like a trial than a perk, and the auto-renewal catch to watch for The number behind it all: subscriptions grew 67% — faster than any other line Revolut has The $115bn valuation, the IPO, and the reported founder package that triggers at $500bn Our honest take: not "Revolut is getting worse" — Revolut is becoming something else. We'll let you decide if that's better. Today's video sponsor is us! Please check out https://depositscout.com if you'd like to support the channel – thank you. Join the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discord Subscribe on YouTube https://link.technicallymoney.com/oy8e 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

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  Episode #72

  £5 for Being Broke: The Bank Accounts Exploiting the Desperate

  Aug 12, 202626 minS1

  In 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 everything. We break down CardOneMoney, Monese, Pockit and Suits Me, from £1.49 just to receive your wages to a £5 fee that only fires when your account is empty. Then we get to the part almost nobody knows: everything these accounts charge for, you're legally entitled to for free. Why "no monthly fee" is doing a lot of heavy lifting — and which accounts cost more the less money you have The £5 penalty for a bounced direct debit, the 4% foreign spending fee, and the £1-a-month charge for doing nothing Who these accounts are really aimed at, and why the fee structure targets people at their most desperate The fee-free basic bank account nine major UK banks must offer you by law — even with bad credit or no proof of address How to open one (and what to do if you've already been refused) 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

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  Episode #71

  Up to 10% Cashback – The Craziest Cards You've Never Heard Of

  Aug 6, 202633 minS1

  In 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 recommending any of them ; this is a discussion of where the numbers fall apart once you read the tiers. Krak (Kraken) — up to 2%: the only card here with real EMI protection, but 2% needs £50k parked on the platform. The one that's arguably "boring but legitimate." Nexo — up to 2%: spend against your crypto without selling it. Clever idea, but the top rate is paid in NEXO and UK users earn nothing. Wirex — up to 8%: three plans, nine tiers, and a 7.5-million-token lockup for the headline rate. Paid in WXT. Plutus — up to 9%: perks that refund your subscriptions, buried under a level system you'd "need to be a mathematician" to follow — and ~£4,000 of PLU to unlock the top rate. Bybit — up to 10%: requires up to $500m of trading volume in 30 days… for a reward capped at 600 USDT. The biggest number pays the least. The real lesson: every big rate hides one of three catches — pay a subscription, buy their coin, or park a fortune with them. And no card here is FSCS-protected . 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

  ListenShow Notes
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  Episode #70

  Best UK Savings Rates — August 2026 | 8% Regular Savers, 5% Fixed & More

  Aug 4, 202614 minS1

  In 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%. From 8% regular savers to 5% fixed bonds and a market-leading cash ISA, we cut past the headline rates to the catches that decide what you really earn. What we cover: Switch offers worth up to £600 — and which are genuinely easy to qualify for Easy-access accounts topping 5% — and why a 4.55% account can quietly beat them Fixed rate bonds up to 5% — and whether locking in actually makes sense right now Cash ISAs — including eToro at 4.87%, why it's not a normal savings account, and the best fixed ISAs Notice accounts — and why they barely make sense this month Regular savers at 8% — plus the £675 "top" account that isn't what it looks like Every account we mention is on DepositScout.com — filter by type, compare rates properly, run the savings and tax calculators, and check the rate history graphs before you open anything. eToro's 4.87% Cash ISA (Market Leading) OakNorth's Fixed Bonds Tembo's Home Saver Rates were correct at the time of recording and can change at any time. This is general information, not financial advice — always do your own research. Some links in the show notes are affiliate links, and we may earn a small commission at no extra cost to you. 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

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  Episode #69

  IHG's Revolut Card: Genuine Bargain or Shiny Trap?

  Jul 31, 202626 minS1

  IHG 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 the real maths on the free Essential and the £18-a-month Elite to work out whether £216 a year is a genuine bargain or a shiny trap. Essential (free) vs Elite (£18/month, £216/year) — status, welcome bonuses and metal cards compared What an IHG One Rewards point is really worth, and why everyday spend earns just 0.2–0.6% Where the value actually hides: hotel spend, the welcome bonus and the £35k "full house" The catches — no Section 75, a Revolut account you can't avoid, and sneaky exit fees How it stacks up against Hilton, Marriott and Currensea, plus the cheaper Platinum shortcut Who these cards genuinely suit — and who's walking into a trap 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

  ListenShow Notes

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