Yes the money went direct from my current account. "One very important question will be "was your son, despite his disability, aware that you had opened accounts in his name?". How you answer this may be crucial to how they proceed." Could you explain further please? Thanks for taking the time to reply.

Thanks for the helpful replies. It's my son I care for (he's an adult). The only benefit I get is state pension, I don't receive any other benefit - I used to receive carers allowance but that stopped when I started to receive my pension. The reason I opened accounts in my son's name was solely to maximise interest. The top-interest paying current accounts pay much higher interest than savings accounts/isa's. You are allowed to put between 2 and 5 thousand in them. I opened accounts in my name and had money over, when I say 'over' there's only a handful of current accounts offering good interest and only one account per name so that's why I put it in his name (approx £8 k). If you were to put that £8k into an ISA or savings account you'd get about 2% interest. Put in the top paying current accounts you can get about 5%. I had no ulterior motive other than to get good interest. I thought I was being a savy saver how wrong was I....

Also, is it illegal to open a bank account on behalf of someone else? thanks

I am a pensioner and full-time round the clock carer to a close disabled relative. I receive no benefits apart from the usual state pension. The disabled relative I care for has severe care needs and is unable to work, they receive PIP and ESA. Upset and frustrated by lack of interest on my life savings I started reading info on savings on the Martin Lewis website. To maximise interest it is recommended to open several of the top interest paying current accounts - which I did. I had money over so accounts were also opened in the person I care for's name (all my money, paid directly to accounts from my bank account). The relative I care for has now been called for compliance interview with DWP, no reason given. Could what I have done have triggered this? I didn't even know about the savings thresholds and can't believe what I have done and how stupid I have been. I feel ill, my anxiety is through the roof and I have felt ill since the letter arrived. I fully understand this was a ridiculously stupid thing to do, there was absolutely no intention whatsoever to cheat the benefits system, the benefits system wasn't even thought about! We're talking about maxing out the current recommended currents acounts. Could someone please advise the least damaging way to explain this to the DWP?