Just recently I opened a secondary account with an app only bank. Other finance apps can simply use the API to help you keep track of your own spending, etc.
Of course immigrants may have additional hurdles with banking in the UK, I don't know.
Perhaps you misunderstood me or I wasn't clear - when I first got here, I tried to deposit a check into my account using another branch / office than the one I where I opened my account. I couldn't. It is not a matter of opening another account with _another_ bank. From the little I know of the banking system, things are or were not then, as wholly integrated as they were in the States. OTOH, the US is only now catching up to the rest of the world w/ Chip and PIN debt/credit cards....
Opening an account is indeed unnecessarily difficult for immigrants, and UK landlords can get away with anything due to an almost total absence of regulation.
If you submitted it for proof of address purposes and you have service from that utility in your name but with different consumption values, I would think it would not.
If you submitted it for proof of address purposes and you do not have service from that utility in your name, I would think it would be.
Except if the bank sells off a region (e.g. merges with another bank, but is required to sell off some operations for competition reasons), then you’ll end up following your home branch.
It used to be that the home branch would technically be responsible for verifying cheques, but i’m Sure that’s all centralized now too.