Very helpful suggestion thanks. I too have had Savings plus Current Account, Credit Card and latterly Investment Hub with Santander and predecessors for 40+ years. Fortunately, I have never been subject to the investigations you mention. Once, a lady Call Centre agent shouted at me for "putting a lot of money through these accounts". I was buying and furnishing a house abroad at the time. I suppose now the cash has been spent they have no interest in my affairs. Fortunately, I maintain my U.K. address and was able to open two new accounts with 'Neo Banks' whilst in the U.K. earlier this year. However, they warn you that you are not permitted to operate the account if you move abroad.