...day-to-day money management?

We suggest the following as a sensible strategy :

• open a current account AND a savings account.
• make sure to apply for a debit card with your current account
• place your income (ie. wages, grant, student loan) into your savings account
• arrange for a regular transfer of "cost of living" funds, from your savings account into your current account
• use your current account for all day-to-day spending (eg. rent, bills, food , clothes, petrol, socialising) and leave the remaining money in your savings account to earn interest and accumulate.

It's not rocket science… but these principles will serve you well, both now and when your income/outgoings increase.