In this episode, Jan and Jonny dig into Revolut's conditional approval to build a bank in America — what it actually got, what's still outstanding, and whether the US is a masterstroke or the most expensive mistake in its history.

What we discuss:

• What the regulator said yes to, and the March 2028 deadline
• What Revolut already has in the US — three partner banks, a million customers, and a thin offering
• Why customers might barely notice on day one
• Chime Prime, credit cards and the interchange problem
• Nubank got there first — and has a head start Revolut doesn't
• The TSB migration disaster and what it means for moving a million accounts
• Why Monzo, Wise and bunq were all turned away this year
• Cheques, instant payments and whether America is worth the trouble
• Will Americans want a super app?
• The $300 cost of winning a US customer

Join the new Banking Without Borders Discord community

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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

In this episode, we tell the full story of Monzo's near-death experience — and the extraordinary turnaround that followed. In July 2020, Monzo's own accounts warned there was "significant doubt" it could survive twelve months. Five years and roughly £539m of losses later, it's Britain's seventh-largest bank with £1.7bn of revenue and three consecutive years of profit. So what actually happened?

We cover:

• What a going-concern warning really means — and why the market panicked anyway
• Why a bank paid only when you spend had no shock absorber when Covid hit
• The rescue: furlough, Las Vegas, a new CEO, and raising money at the bottom
• The turnaround: deposits, lending, subscriptions — and a lot of interest rate help
• Monzo vs Revolut: fewer customers, each worth far more?
• Europe next: Ireland's launched, Spain's announced — and Jan's German verdict
• The risks: rising costs, 5,275 staff, and what happens when rates fall

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

In this episode, we run through the best UK savings rates for September 2026.

What we cover:

• Premium Bonds' rise to 4.35% — why that's not an interest rate, and the only people they genuinely suit
• Switch offers up to £500 — plus the bank now paying switchers in toothbrush
• Easy-access at 5% — a brand-new NatWest brand, the best no-cliff rate, and the small-balance account that quietly beats Santander's 6%
• Cash ISAs — eToro at 4.87%, Chip, Moneybox, a set-and-forget 4.52%, and Tembo's mortgage-linked HomeSaver
• Fixed bonds at 5% from £1,000 — and NS&I's Treasury-backed 4.82% with no protection cap
• Notice accounts — paying less than easy access; convince us in the comments
• Regular savers — four at 8%, why a 6% account out-earns them all, and stacking them with our new Savings Stacker tool

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)
Tembo's Home Saver

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