I’m 19 years old and currently working full time in my gap year before going to university in September.
Working full time has given me the chance to save quite a lot of money, however I am still using the same NatWest bank account that I opened when I was 11 years old.
Some of you may be screaming because this is probably the worst thing to maximise my savings - I think the interest rate is terrible.
I want to maximise my savings I just don’t know the best way to do it.
I have considered having a current account with a decent interest rate for my income to be paid into, and then a savings account to save some money every month, however these usually have a limit and I want to save £500 a month, with an initial deposit of £4500 which I’ve already saved.
Because of this, I am now thinking about opening a current account for my income to be paid into, a savings account where I save the maximum amount each month and then a separate current account where I transfer a proportion of the money that I earn each month as ‘spending money’.
I would be grateful if anyone could let me know if they think this is my best option, if they have any other suggestions, and which bank accounts they think I would benefit from the most.

Thanks a lot ! This has really been stressing me out recently, as having my savings and spending money in the same account has made it hard to keep track of what I ‘can’ and ‘can’t’ spend.