Where do i put my lump sum?

We have just sold a house and have around £17,000 in a current account. £10k of this is for house refurb stuff and the rest is to go towards our wedding next year (this wedding account will grow over the year, house refurb will all be spent within a year) . As we have loads of spending on the cards, i want to split the cash into two accounts so we can keep better tabs on the spending, but i need instant access to them both and can't be bothered having to pay in certain amounts each month that most of the banks demand for current accounts. The amounts are too much for an ISA so I just don't know where to put the money. It seems such a waste to have a large lump sum and not earn good interest on it. Anyone know a good instant access account that can cope with lump sums that won't penalise against withdrawls?

heeth

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