The best savings account depends on whether you prioritise the highest interest rate, instant access, a fixed term or regular saving, as well as any minimum deposit and withdrawal rules. Compare the AER, access conditions, introductory bonuses and whether the provider is authorised by the FCA and covered by the FSCS. You can usually apply online or through a banking app, providing identification, your address and National Insurance details where requested. Check the provider’s eligibility criteria and terms carefully, and use the official FSCS and FCA registers if you need to verify protection or authorisation.