To make the banks system work to the full, you need what is loosely known as a monthly,or 30 day savings account.To feed money into the bank assuming you are in the UK,you also need a sterling account.Money left in there gives slightly less than a similar account in the UK.Lastly a current account which gives no interest,in fact attracts a service charge<this account can pay all your monthly bills,Free.The monthly savings account,earns you the maximum interest and the contract is the term you agree with your bank contact or account manager depending on the bank in question.At the end of each period of contract you instruct your contact to leave the interest in that account,or tell him to move some,or all of it into your current account.If the maturity date of this interest falls ona weekend or turkish holiday< banks closed> your contact may on this occasion leave it until the next banking day.If your contact is good,he will move it early -.later if the rate is about to go up or down. I have my account managers mobile number and his email address,and instuct him accordingly one day before the maturity.References to high interest depend on the amount of money you have to invest and all the banks are slightly different but it is abount £40000 sterling, 90-100000 lira or $45000.If you want to invest only £5-10000 ,t is possible to enjoy daily interest at a rate some two percent below best,you can withdraw daily up to 1pm on any day after this time you have to wait till the next day.This account is better than leaving money in your current account earning nothing.Sorry to be long winded hope this is all clear