Hi
I've got a one account & its great if you're organised & if you don't feel the need to spend every last penny thats in your account every month - therefor only paying the interest off (which they take from you automatically). It would be better if they would also "hide" your capital from you but as they don't, its really tempting to dip into it. Glad I got one though as it is flexible & if you have equity in your house you can dip into it if you need. Hope this helps, Lou x