>> Yes, but transfers can't be made directly between savings in one bank to savings in another
>> bank. Hence the need for a debit card as an intermediary account.
Transfers cannot but payments can. Obviously you need a current account for that so if you only have a savings account you'll also need a current account at the bank you're sending money from. You setup the account you want the money in as a payee by using the account and sort code. With fast payment, the money is usually there instantly these days.
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