Single-account banking means every payment, bill, savings transfer happens from one pot — making it harder to budget and easier to overspend. Multiple accounts (current, bills, savings, fun money) make automation possible and clearer.
The typical setup
Salary current account (Chase, Monzo, Starling). Bills account (separate, receives auto-transfer for fixed costs). Savings account (4-5% interest). Discretionary account (fun money). Possibly ISA/SIPP for long-term.
Why this works
Bills paid from dedicated account never overflow. Savings happen automatically before you see the money. Discretionary spending caps itself when account empties. Mental categories match physical accounts.