Be wary of accounts advertising a high rate that depends on a short introductory bonus, a large minimum balance or regular monthly payments. Check the AER, when the rate can change, withdrawal limits, notice periods and any fees, as these can reduce what you actually earn. Confirm the provider is authorised by the FCA and that eligible deposits are covered by the FSCS, subject to its rules and limits. Compare the account’s full terms on the provider’s website rather than relying only on comparison-table headlines.