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> switch away from a current account with a decent interest rate and added extras like insurance, or cashback on bills

what. First, there are no offers with decent interest rates out there. Second, Revolut has insurance. Third, Monzo is so awesome that most people just use it even though it's a debit card.

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you can easily get 3-5% on a current account if you shop around a bit, and are willing to put up with switching once a year (a bit much for me, but some folk will go to the effort for the sake of a couple hundred quid).

when I say insurance, I mean, for instance, when I had a halifax current account, they threw in AA coverage, and mobile phone insurance as part of having a current account with them. I'm not aware of any challenger bank that has extras like that.

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