Is it worth sending the silver I collected in the prize to my beginner account?

Hi, good evening everyone. I had a beginner account and I took advantage of the 3-day bonus to save some silver. I now have about 4M worth of silver and over 25M worth of items. I wanted to know if this could result in a ban, because I'm thinking about transferring these items to a third account and deleting my second character. Or is it better to give up on the idea and start from scratch?