Can anyone recommend a bank account with decent apps for budgeting and tracking spending? Or an app that works with the Open Banking Api?

My main account is Nationwide, pretty rubbish in this regard. Also would like to track the spending on a Tesco credit card.

I have both Monzo and Starling accounts already (but they are rarely used), maybe I should switch to these?

You can certainly track other accounts and cards in Monzo, and budgeting in for their account is solid. Not sure if the budgeting functions extend to others accounts though, I’ve not tried that.

I assume with Open Banking you can use 3rd party Apps for budgeting and don’t need to rely on the bank’s own app.

The best open banking apps in 2021

Using Open Banking, Moneyhub.

I did have MoneyHub a while ago. It was ok but at the time it needed a fair bit of manual input to track spending correctly

I’m using Plum at the moment – works for me.