How this affects how you look to lenders
Lenders like to see that you have money in reserve if you need to pay for something unexpected. Having £200 or more in each account can help give lenders confidence you will be able to pay them back.
Improve how you look to lenders
Have at least a £200 buffer for each of your accounts at all times.
void withdrawing cash because this might make it seem like you have less money than you do.