Nothing wrong with Wise (I am a user) however it is not a bank as such. Also take a look at N26 Standard which also offers a savings option paying interest 2.26% in the traditional sense, is a bank so protected to a €100k limit (OK Wise is unlikely to collapse), gives you ES IBAN if resident in Spain, a debit card for same fee as Wise, and built-in Wise transfers (I assume outgoing rather than incoming).

Jon Bxl > Thank you is a good plan. It is embarrassing, but I need to make sure I’ve understood everything.

Open a cash back account > put some money in > open a “normal account”

(like you said £ - £) > don’t need to put money in, can I get a debit/credit card with it?

Another question, can I do online shopping with the debit card?

Thank you so much and sorry to everybody, if I’m going on your nerves with all my questions.

Christine

Your questions will help others to understand any issues more clearly so please do not apologise for being cautious and wanting to have things clear in your mind.

Rosemary

Thank you Rosemary that is really kind of you!

Yes you can shop online with a Wise card

Wise doing well

https://www.uktech.news/fintech/wise...ofits-20231114