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It’s easy to have multiple accounts with multiple banks without jumping through hoops.

  1. Halifax offer a current account with no monthly fee and no minimum pay in requirements.
  2. Nationwide offer a current account with no monthly fee and no minimum pay in requirements.
  3. Barclays offer a current account with no monthly fee and no minimum pay in requirements.
  4. HSBC offer a current account with no monthly fee and no minimum pay in requirements.
  5. NatWest offer a current account with no monthly fee and no minimum pay in requirements.

Pretty much every major UK bank or building society offers a free, no minimum payment, current account. Here is a fantastic guide to the various accounts available (scroll past the first section about switching to to the section with account that pay decent interest). These accounts are offered for free as a loss leader, in the hope you’ll use the overdraft facility or purchase other products from them. However there are basic bank accounts that are good if you don’t want an overdraft facility or have a poor credit score.

I think you may be getting confused with many of the switch incentives offered to encourage you to leave your current bank and switch using the switch guarantee scheme. They often come with conditions like paying in a minimum amount and have at least two direct debits. You’re not trying to switch your main account so these don’t apply to you.