as your wife is a taxpayer the simple way is to put it all in your name and then claim the tax back , which will be a 10 minute job once a year

trying to arrange the money so that you get exactly enough income to use your tax allowance will be next to impossible ; if you have the money in 50 different accounts , you will get 50 certificates of interest and tax deducted ; just add them up and ask for the overpaid tax to be refunded ..the tax office will do the rest , except banking the cheque for you

for what you want , anything else will be too much hastle