**Frame challenge** 

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

[Halifax][1] offer a current account with no monthly fee and no minimum pay in requirements.

[Nationwide][2] offer a current account with no monthly fee and no minimum pay in requirements.

[Barclays][3] offer a current account with no monthly fee and no minimum pay in requirements.

[HSBC][4] offer a current account with no monthly fee and no minimum pay in requirements.

Pretty much every major UK bank or building society offer a free, no minimum requirement current account.

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][5]. 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.


  [1]: https://www.halifax.co.uk/bankaccounts/current-accounts/reward-current-account/
  [2]: https://www.nationwide.co.uk/products/current-accounts/flexaccount/features-and-benefits
  [3]: https://www.barclays.co.uk/current-accounts/bank-account/
  [4]: https://www.hsbc.co.uk/current-accounts/products/advance/
  [5]: https://www.currentaccountswitch.co.uk/Pages/Home.aspx