Yeah understand, I forgot to say my Mrs does the app thingy with water, lecky, d.tac, AIS internet payments.
At ATM every 4 weeks when my UK pension comes to our joint account I transfer to her bank amount needed.
I use my computer to do the wise transfers when or if required.
I use ATM card to get money if i need it as well from my 1 year extension money account.
I don't have money kept tied up anymore I keep it all accessible for my wife to get at if anything happens to me.