I am a sole trader and have ‘creamed off’ sum cash from my current account and transferred it into the reserve account. In reality these accounts are with NatWest and neither pays any interest. I am looking to set up a regular savings account with another bank and move a fixed amount from my business reserve account per month into it (to gain some interest!). At the end of the 12 month period I will have Capital of £x + interest of £y. If I so wish, can I just transfer this back into my reserve account?