If you do return from the summer holidays with loadsamoney, you'd be well advised to set up some sort of high-interest account which will give you a degree of flexibility and a little extra money. Don't leave large amounts in your current account - you may be tempted to spend it too quickly. Andrew Clinch of Clinch Brokers advises students to shop around both banks and building societies to locate accounts which offer the highest interest rates.

Make sure, however, that you have reasonable access to your money and that you don't tie it up for long periods.