Why would banks have limits on how much money you can pay in? That's what they're for, after all - if you're not sure about the best way to manage your money, you can usually get a free consultation with an independent financial advisor - just Google your area

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I have two ordinary current accounts (one is for purely for banking when I work in Belfast since there isn't a branch of my bank there, and there's never anything in it), two ISAs (one cash and one stocks/shares) and a stakeholder pension. Oh, and a purse with about a tenner in it for brews and taxi fares.