Hi all,

Having just bought and moved into my first house, I want to rejig all of my accounts to get the best out of my income and savings.

My current account situation is as follows situation is this:

Current account:
- Salary is paid into this account.
- About half is immediately transferred into a joint current account and joint savings account with my wife.
- Some used to be transferred into H2B ISA before we bought the house (now it just stays in my a current account).
- Used to pay off all of my credit card bill for the month.

Joint Current account:
- This is a rewards account as all of our bills/mortgage etc come out of here.

Joint Savings account:
- long term savings account for emergencies and saving for home improvements.

Credit card:
- I do all of my spending on this card and make sure it is paid off immediately to avoid any charges.

H2B ISA (now closed)
- My personal savings but has been emptied to pay for the deposit on our house and a small amount left over has been transferred into the joint account.

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I don't really want to touch the joint accounts etc as those are doing OK, I just want to sort out my personal accounts and credit cards to get the most out of them. But there are so many different types of account, I find it hard to choose. Please could you advise on the types (or actual) accounts that would be suitable given the following.

- Minimal/No direct debits as these are sorted through the joint account. (Seems cash back current accounts aren't great for me).
- Never in my overdraft.
- Credit card is used for protection and paid off in full every month to avoid charges (thinking maybe going for a cash back card?).
- Prefer to keep savings in a separate account so its more obvious what my savings are at a glance and I am less likely to eat into my savings 'accidentally'. (High-interest current accounts may not be suitable).

Any help would be greatly appreciated.