£21 grand to save

I see we have 2 schools of thought here. I'm a lower rate tax payer so I the tax free ISA isn't as useful to me as a higher rate tax payer. Gross salary £28k, take home £1650 a month.


I'm thinking:

1) Bump my 5k ISA up to 20k with my post office bond and my current account

2) Open 2 TSB Current Accounts and put £2k in each and put another £3k in a Nationwide account, leaving my current Natwest current account with next to nothing in it.

3) Keep my salary being paid into Natwest (£1650 a month) and use 1 standing order to send £1k a month from there to Nationwide and then 2 more standing orders sending £500 a month from Nationwide into each TSB account.

4) When the TSB accounts start to exceed £2k, i just send the money back to Nationwide


Thoughts?

Short termism.
ISAs opened now protect you from tax for as long as they are active.
Bank account interest is always taxed at your highest tax rate.
Do you intend to stay a basic rate tax payer?