IRL Savings route question!

Hi all! Hoping to apply for my IRL in the summer time and I know a lot is still up in the air but that is not my original question.

I am hoping to once again go through the savings route, my husband and I have more than enough, however, some of our savings are in different accounts because of different rates given from different banks. 

Only 1 of the accounts is the one we want to use to apply given that it has the majority of savings in, meaning we wouldn't have to gather so much paperwork from different banks. BUT the "issue" is that this particular account is on a fixed rate and it's coming to an end at the start of the new year.

Is it OK to move it to another account for the last few months before we apply? No money is or will be touched.

Do we need to provide a letter explaining the move? What should we do?

Hi all! Hoping to apply for my IRL in the summer time and I know a lot is still up in the air but that is not my original question.

I am hoping to once again go through the savings route, my husband and I have more than enough, however, some of our savings are in different accounts because of different rates given from different banks. 

Only 1 of the accounts is the one we want to use to apply given that it has the majority of savings in, meaning we wouldn't have to gather so much paperwork from different banks. BUT the "issue" is that this particular account is on a fixed rate and it's coming to an end at the start of the new year.

Is it OK to move it to another account for the last few months before we apply? No money is or will be touched.

Do we need to provide a letter explaining the move? What should we do?

Obviously it's better not to have to but you can move money within the 6 month period. You should provide an explanation.

We really don't ever touch the account it's just because once the 1 year fixed rate is done the bank will move it to a new account. And we have no control of that.

So if we provide an explanation of why it was moved to a different account it's ok and no problems?

Also, my current FLR(m) ends on June 23rd, so that means we can apply from May 31st?

Thank you so much!

We really don't ever touch the account it's just because once the 1 year fixed rate is done the bank will move it to a new account. And we have no control of that.

So if we provide an explanation of why it was moved to a different account it's ok and no problems?

Also, my current FLR(m) ends on June 23rd, so that means we can apply from May 31st?

Thank you so much!

It's fine, it's just simpler if you (or they) don't move it. There is provision in the rules to use money which was previously in a different form (investments, property etc) as long as the correct paper trail is provided.
In your case, your money will be moved from one account to another so you'll need the bank statements from both and an explanation.

I see - this puts our minds to rest. We can totally write a letter explaining this.

Above I mentioned May 31st but I believe it's 28 days (not 23) before my current FLRm expires, correct?

So earliest I can apply is May 25th for IRL?