The best savings account depends on when you need the money, how much you can save and whether you need instant access. An easy-access account may suit an emergency fund, while a notice or fixed-rate account could offer a higher rate if you can leave your money untouched; a cash ISA may also be useful if you want tax-free interest. Compare the AER, access rules, minimum deposits and any introductory rate expiry, rather than focusing only on the headline rate. Rates and terms change, so check the provider’s current details and use FCA-authorised firms where appropriate.