I put fixed sum to loan account to pay off the bank debt each month (amount may vary on some months, it's flexible so I can put 0 - 9999€ per month for example)

I put fixed sum to loan account to pay off the bank debt each month (amount may vary on some months, it's flexible so I can put 0 - 9999€ per month for example), then move majority that is left to "pseudo-savings" account which is only used to pay maintenance fees etc. and also 1-2 times a month to move spending money to everyday account (in case of theft i only keep small amount in account linked to debit card).