This definitely requires careful consideration. I got one bank account frozen for “many” ins and outs ant took me a while to get it back. Feels like shit. I would say totally aseptic partitions: 1. Different accounts inside of your usual bank: one account for the card, another for receiving and others to talk with other banks you don’t care much about (Revolut or similar, more than one) 2. Try to use the gift cards when possible. 3. Try to build a community of trust people so you can swap for cash and use more cash. 4. Also close nocoiners are useful and gives a bit resilience (“you pay (me) the rent, I’ll pay (you) the food and gas”) 5… anybody say something else…