I hope this isn’t wandering too off topic
..but I have a Santandar 123 lite account (other bank accounts are available)..,it does have a £2 monthly charge ..but offers cash back on gas/elec bills along with mobile, broadband, council tax and water bill …I use it purely for bill paying via an app…every little helps right
On this wider financial aspect, cut unnecessary expenditure, have a look at what's going out on bank and credit card statements. Sometimes rip-off items under the radar on continuous payment, which might occur annually.
This year we've saved over a grand by stopping; Sky Sprort/BTSports/Sky Movies on Virgin and Netflix (2 users).
For a paid up mobile, don't ignore the texts from your mobile company when they mention a usage contract is coming to an end. Call their customers services, in our experience they automatically offer a much reduced monthly data cost.