I have a One-account mortgage, ( where my savings are currently sat in also ), I am wondering whether I would be better off saving say £5k with Icici who are currently paying 7% for the 12 month no access deal - I feel this would give me better dividends than just offsetting my mortgage???

I am also contemplating getting a cash-back card to use for everything I purchase, and then settle the bill when it drops thru the door ( from the OneAccount ) - again I feel this would make my money work more for me in the OneAccount??? - does anyone do something similar with their one account please?

I would also like to hear of any other ways of making my OneAccount work better for me...