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Also, if you use on line banking at all, have you not noticed they all offer to access your accounts with other lenders through the one 'App'...for your convenience, of course! The 'one world bank' is a definite aspiration...
I do use online banking but haven't noticed or been dunned about that. But then I don't have any accounts with other lenders, (maybe I should, to muddy the waters a little) which they presumably know, seeing as Big Brother is watching us. One more reason to use cash wherever possible.
I like cash and ran my business almost exclusively on cash before I retired. Not to intentionally obfuscate anything, simply because it was a near 20 mile round trip to my nearest branch to pay anything in. In 2019 they closed that branch and introduced facilities to pay in at the PO, which, perversely, made life easier. But too late for them as I retired in Jan of 2020.
I think the "one world bank" is probably an unspoken reality rather than an aspiration and their individual independence, merely an illusion they collude to create. They all work together seamlessly and you'd need a microscope and more hours than I care to devote (I should live so long) checking the small print, to find any significant difference between them. Only the names vary to protect the guilty!
Steve