Hi Salamander
See Dixip answer below.
I believe the bible for all things related to Capital is
assets.publishing.service.gov.uk/governm...e/932378/dmgch52.pdf Not an easy read, but if you want to dive deeper into this that is where I would start.
However much money you do, or don’t have in your account, the DWP have the right to request to see statements. This is after all the only way they can actually know.
Gary