Best setup for current account interest in UK?

Hi,

I left Uni last year and have been working ever since, i've saved a small sum up; around £11,000 in total now.

I want to achieve the best possible interest rate on this. The weird thing is current accounts seem to be offering the best interest rates! I regrettably have £5,000 stuck in a Cash ISA until the end of this tax year at 1.75% interest.

I've also just opened up a Lloyds Vantage current account which pays 3% interest on balances of £3,000-£5,000 on the condition I pay in at least £1,000 per month (this is fine as I just have my wages paid directly into this account).

I now have a little over £1,000 leftover which is gaining no interest at all! I'm tempted to open another Lloyds Vantage current account and when i've saved a little in there it should also be earning 3% interest.

I'm just wondering if I get my wages paid into my first Lloyds current account then immediately withdraw the cash and deposit it in my 2nd Lloyds current account will it still be within the terms & conditions for me to receive 3% on BOTH of these accounts?

Also another question; Is it worth me opening up x4 Nationwide current accounts which pay 5% interest on balances of up to £2,500 rather than the Lloyds current accounts? The Nationwide deal dictates I must pay in £1000 per month to receive this interest rate. (the same as the lloyds account). Will this be legal for me to do to attain a decent interest rate on all my cash??

Has anyone got experience of doing this themselves or do you currently do this? I think my aim is to get £15k saved then deposit it all in a Santander current account which pays 3% interest on up to £20k so long as you pay in £500 per month and the account fee is £2 per month (similarly if I went up to the £20k allowance and opened a 2nd Santander account would I be able to bounce my cash between both of them so I meet the £500 pay-in requirement to receive interest on both accounts?).

Let me know what you guys think/ can recommend for me, thanks in advance!