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system
current accounts reward schemes and reciprocal standing orders?
user
i don't think it would be counted as income, and if it's a short-term loan it doesn't really matter as the notional interest on the loan would be negligible. but you can avoid any possible complications by just having two accounts in the name of the person trying to get the account benefits, particularly if you're willing to just provide the "seed" money to get the loop started.
assistant