Use the FCA’s Financial Services Register to search the provider’s name or firm reference number, and check that its permissions include the relevant savings service. Banks and building societies may also be authorised by the Prudential Regulation Authority, so confirm the firm’s details on the official register rather than relying on a logo or advert. Check whether eligible deposits are covered by the Financial Services Compensation Scheme (FSCS), usually up to £85,000 per person per authorised banking group. The best account will also depend on the interest rate, access rules and any introductory conditions.