Moving current account to a new bank

I have pared my finances down to a simple situation: one current account and everything else in Premium Bonds.

I did have ISAs and so on, but I never knew where my money was and felt it was far too complicate and that I had to expend too much time on it instead of living.

We did have the Granny Bonds when they came out and made a fair bit on those.

My Premium Bonds make a good return.

I bank with the one that we joined on campus when we were at university - those bank on campus know what they are doing! - stayed with it for life.

Use Chase bank account, it also pays you 1% on all debit card purchases for 1 year

I don’t have any direct debits with HSBC but I am problems with their non delivery of secure key pads, however you may not need those living in England.

Same as 62Granny

Could you use a purely online bank such as Starling or Monzo? Martin Lewis is recommending Chase this week which is app based and pays 1.5% interest on it's savings account that is linked to the current account.
None of these have rules on what must go in or out.

I have both RBS current & deposit a/cs. Neither has any particular demands or requirements whatsoever.

Have two accounts in two banks have DD between the two accounts every month e.g account 1 on the 2 nd of the month has 2 direct debit to account 2 on on the 15 th of the month you do it all in reverse. Would that work for you?