Am I missing something, or is moving money between your own accounts still mostly manual in NZ
I've got accounts across a few NZ banks (partly because I'm interested in comparing how they work), and one thing I've noticed is that I still seem to spend a fair bit of time moving money between my own accounts.
Things like:
Splitting salary across accounts
Making sure enough is sitting in the transaction account before bills come out
Moving excess cash into savings or an offset account
Pulling money back if I've moved too much
Checking I'll have enough in a few days' time
I genuinely don't know if I'm missing a product or bank feature here.
How do people manage this today?
Is it mostly automatic payments?
Multiple accounts or buckets?
Budgeting apps?
Something I'm unaware of?
And if there isn't a good solution, what's the biggest annoyance with how you currently manage money between your own accounts?