Compare the account’s AER, which shows the yearly interest rate including compounding, and check whether it is variable or fixed. Easy-access accounts offer flexibility, while fixed-term accounts may pay more but can restrict withdrawals or charge penalties. Check minimum deposits, withdrawal rules, introductory bonuses and whether the provider is covered by the FSCS, usually protecting eligible deposits up to £120,000 per person, per authorised banking group. Also consider your Personal Savings Allowance and whether a cash ISA could help you save interest tax-free; GOV.UK provides the latest rules.