I want to swap from Ovo to Octopus energy and have £500 odd credit in my Ovo account. This automatically gets paid back to my bank when I switch- would you then add it as a lump sum to the new energy provider so it's there to supplement the higher winter payments? We pay £175 pcm all year that allows credit to build in summer and gets used up in winter with the higher bills. I just feel nervous putting that much in the energy account but also worry it will get spent in our current account and in winter we will have to pay loads more £££ to top up.