i had £150 left in my account yesterday, but then £30 came out for my laptop payment, which i forgot about, then i had to take out £30 towards my double driving lesson today, then i had to take out £20 for essentials, so now theres £70 left over to put in my savings account which im going to set up tommorrow..but how do i set up a svaings account, can i do it over the phone?? xx