Wondering if we could think outside the box here. In general, i dont put transactions through my bank card as my amex takes hold especially with airline tickets & concierge requests etc… due to their insurance coverage and points, plus their amex offers are great! So essentially any bank would need to entice me to get away from that. Probably highly unlikely in a free account. But! Could there be a way to have a partnership with amex to integrate transaction details into the one or integrate other ways? Starling could introduce an Amex debit card, which would mean if i used my starling amex, then i’d still be covered by my insurance and get all the benefits.
Random thought that popped into my head but see if it goes anywhere