Neo banks, digital banks, online only banks you name it, they are probably called  it. Why haven't we swapped? Is it really loyalty or love of our bank or we are just too lazy to change? We dissect online banking, open banking and did you know that you are only limited to buying 4 gold coins, and the UK government can just take it off you if they get in a sticky situation, like now! ... read on.

ps. sorry for the slight muffle it is only at the beginning.