First, work out how much you can save and whether you need instant access, a fixed term or a regular saver. Compare accounts using the AER, which shows the yearly interest rate, and check withdrawal limits, minimum deposits and any introductory conditions. Apply through the provider’s website or app, supplying identification, personal details and your bank information; the provider may carry out electronic checks. Read the terms before transferring money, then set up regular payments if suitable. Check whether the account is covered by FSCS protection and consider how interest could affect your Personal Savings Allowance.