Banking

My finances are far too much hard work... I have a Starling personal and joint account, my wife has HSBC personal I think, and the joint, but could probably be convinced to move personal current account again.

We both get paid not at the start of the month, most bills are set to go out of my personal or the joint account soon after I get paid, my wife gets paid a few weeks previous, so we run a spreadsheet to tell us how much my wife owes me and what we both need to pay in to the joint account. Ideally all joint bills would go from the joint account.

I recently stumbled upon the fact that you can now pay a debit directly from a Starling [savings] space, which would go some way towards automating everything in to separate pots waiting for their DD, but the deal-breaker is that only one automatic transfer to the space can be set up, so the (automated) route of personal account>joint account>savings space> paid bill is only available for one of us to use.

Does anyone know of another bank that can automate money coming in at different times through the months, into separate pots and then pay direct debits from those pots? The Starling system is SO close, but not quite there. I don't want to think about bills getting paid anymore.

Edit: complicating factor is that we also use the joint account for food and various other things so it's not a fixed figure going in and out each month.