I have a UK account but wouldn't use it. .. Mine was blocked just because I went on a online shopping spree. Had a phone call claiming to be the fraud team ...
That happened to me too, yesterday actually
.You just need to have a stern word with your bank manager
I don't get those problems anymore..
Having more than one account for different purposes is also useful....
People forget the same bank will let you have multiple current accounts if you ask nicely.
and you do a lot of business with them..