The bank I use in Norway, Sbanken, allows to to agree an overdraft facility, and also to skim money off the current account into a high interest account so that

The bank I use in Norway, Sbanken, allows to to agree an overdraft facility, and also to skim money off the current account into a high interest account so that, for instance, you never have more than 20 kNOK in the current account. Together with the ability to buy and sell funds and stocks via the website or app or automatically every week or month means that you can get most of the same effect fairly easily with a little bit of manual work to top up the current account from the high interest account when necessary.