Search the firm on the FCA’s official Financial Services Register and check that its name, website and permissions match the account you’re considering. Be wary of clone firms, pressure to transfer money quickly and rates that seem unusually high; use contact details from the FCA website rather than an advert. FCA authorisation does not guarantee the interest rate or that you will not lose money, so also check whether eligible deposits are covered by the Financial Services Compensation Scheme (FSCS). If you are unsure, contact the FCA or seek advice from an FCA-authorised financial adviser.