Claiming maternity allowance - can I do shifts?

[C2197]

I have a large tax bill due in January and Ive unexpectedly gave birth early when I thought I had enough time to save for it. Currently earning maternity allowance through my normal personal account. I am entitled to 10 kit days, but my question is.. any extra work carried out on top of my 10 kit days will be paid into my business account and sent straight to HMRC so can this still affect maternity allowance if I’m not putting it in my personal account?

"If you work for more than ten days you can be disqualified from receiving Maternity Allowance if you have returned to your normal working pattern. The disqualification must be reasonable, for example, if you are only working for one or two days per week, you should only lose 1/7th or 2/7th of your weekly Maternity Allowance payment. This will be assessed by DWP in relation to your working pattern before your maternity leave and the amount of work you are doing. Your Maternity Allowance should not be automatically stopped. The decision-maker should look at the circumstances of each case, see examples below."

https://maternityaction.org.uk/advice/keeping-in-touch-days/

Putting it into a different bank account doesn't change that.

Maternity allowance is paid because you cannot work - which bank account the money is paid into is not relevant

Can you go back to work earlier?

Otherwise negotiate a payment plan with HMRC and in future put your tax money in a separate account monthly so that you don't spend it