Well, heres where I got the idea and a rough method.
https://www.moneysavingexpert.com/banki ... switching/
What I'm currently doing is setting up a 'Skin'* account, in other words a very stripped down current account that meets the minimum criteria to qualify. This tends to be pay in £1000 to £1500 per month (depending on provider) and have a couple of Direct Debts going out.
Mine is with my current bank (this is because I can't get another switching bribe from them), also I'll be setting up a Standing Order to Sweep most of the money in the account into my regular account (my 'Stash' )which I'm keeping exactly where it is.... My regular deposit will be my wages.
So, say you need to pay in £1000 and have two monthly DD's of £50 each (your 'Stack') going out.
It helps if you deposit 'Seed' money just to cover any gaps in payments clearing.
It would be Seed +£1000 - Stack (£50x2=£100) = Sweep of £900
Don't get attached to your Skin account, you won't have it for long.
I'm going to let mine stew for a month and then find a good offer and Switch, after whatever the waiting time is for the payout I'll be looking for the next bank bribe and then I'll Skim the payment off and Switch again.
Don't do this if you need a good credit rating
This is perfectly legal and do remember to keep a list of accounts and dates as there are time limits used by some banks or groups of banks.
* Like troll-drugs, all of the terms I'm using begin with "S"..... To make them easier to remember
