Be wary of rates that are only introductory, depend on monthly deposits, or apply up to a low balance, as the return may be less attractive than advertised. Check for withdrawal limits, notice periods, account fees and penalties, particularly if you may need quick access to your money. Confirm that the provider is authorised by the FCA and that eligible deposits have FSCS protection; check the current limit on the official FSCS website. Treat pressure to invest in cryptocurrency or transfer money to an unfamiliar firm as a serious warning sign.